davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (ME)

I have had an auto loan with Penfed for a 4+ years. I make my payments online through their website but recently, even though I have been trying to make my last loan payment for the past two months, I have been locked out of their site. 

I live in XXXX and occasionally go to XXXX for medical treatment, so all my payments are made from the same locations, with the same IP addresses. 

I was going to XXXX, so I tried from XXXX to make an address change online so that I could receive the discharge documents at my XXXX address. 

There are no land lines or cell towers available at my residence, so i had canceled my cell service about 3 years ago. I have been totally XXXX for years now, so I rarely leave my house. 

When I tried making the address change to XXXX ( which was my previous address on the loan as well before I moved to XXXX ), it wanted a phone confirmation so I canceled it since the phone number they had was no longer operational ( no optiom to change it or receive an email confirmation either ). 

So I decided to change the phone number to an IP phone, but in order to do that, it again wanted to send me a confirmation through MY OLD PHONE NUMBER. What kind of stupid programming does that? Why would anyone get a new phone number and retain their old one? As a result, it locked me out of the system and I couls not get back in, with a message to CONTACT THEM BY PHONE. 

I sent them 2 emails and a message through their automated message page on their website explaining my situation, yet the only reply I received was one telling me to call them. I live in XXXX XXXX in XXXX. Other than gas station stores, there are no stores, pay phones or even public transit service. I would have to drive 40+ miles to XXXX in extreme snow, which I DON'T, and then drive around until I could find a public phone ( which I am not even sure as to whether there are any ). 

So I want my account unlocked so I can make my layment and I will not be paying any fees for late payments either. In this day and age, what kind of website doesn't give you the option to be contacted by email??? 

Thanks ...
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : DEPT OF EDUCATION/XXXX  Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I've asked Experian to remove the XXXX XXXX XXXX account for XXXX it shows a balance of {$6700.00} the account was opened fraudulently back in 2008 well past the time frame that an account can stay on my credit report so why is it still being reported in addition to that you say it's been verified accurate but you have not provided any proof to me what proof do you have? I want to see it just saying it's accurate doesn't make it so There are also two XXXX XXXX XXXX one is showing a balance of {$6600.00} the other one is showing a balance of {$2400.00} again these accounts were opened fraudulently why are they still showing up and I've asked you to show me some proof or remove them and so far Experian just keeps reporting them but you haven't shown any proof if they belong on my credit report what information are you using because these accounts were opened fraudulently these three accounts have been removed from all the other major credit bureaus yours is the only one that these are listed on tell me what I need to do to have them removed I'm not trying to be rude but I'm going to keep fighting you until you fix my report
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

At first I received a letter from XXXX funding about an alleged credit card debt with XXXX XXXX. I sent XXXX a debt validation letter and they never validated the debt. Then I get a letter from XXXX XXXX XXXX collecting on a debt for XXXX and also XXXX XXXX credit card. I sent XXXX XXXX XXXX a debt validation letter and all they sent me was an " home made '' account summary stating I owe XXXX XXXX and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : XXXX XXXX XXXX, XXXX XXXX and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

Hello : I have a mortgage with US Bank. They have a relationship with a company called XXXX XXXX which has been processing my bi-weekly payment for almost 10 years now. I have several times requested a detailed amortization schedule which reconciles my payments every two weeks and they refuse to give them to me. I went to US Bank and they only gave me a monthly amortization schedule. When I told them I need to bi-weekly version, they tell me they can't and that I have to go to equity accelerators to get that information. I've now spent hours with equity accelerators and they claim they are unable to give the information to me ... ..they point my back to US Bank . 


I believe there is a scam going on here and would appreciate your help.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

Dear Sir or M.me, XXXX XXXX XXXX bought my debt from XXXX XXXXXXXX   ( see attached letter ) on XX/XX/2019. Notice that it mentions XXXX XXXX XXXX XXXX to be the buyer and new owner of my debt. 

Nearly 4 months later the firm I hired settled with Resurgent Capital Services in a document that shows LNVN to be the owner of the debt. We settled and payments ar e being made on time regularly ever since. Next payment for over {$100.00} is scheduled for XX/XX/2019. 

After 3 months, on XX/XX/2019, inexplicably LVNV decides to place a negative mark on my credit report causing huge financial damages since I am in the process of refinancing and cashing out significant amount of funds. 

I have spoken and written multiple times with RESURGENT 's personnel and they had no answer for the questions that I had, which are the following : 1 ) The second page of the contact with Resurgent/LVNV/XXXX XXXX  XXXX XXXX clearly states that a negative mark will be reported only in case of non fulfillment of the agreement. Agreement was and is being fulfilled, therefore, the negative report on my credit file was and is in violation of the contract. 

2 ) The companies above mentioned have violated Federal Law FDCPA ( 15 U.S.C. 1692 to 1692p ) which states : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Unfair Practices A collection agency can't engage in any unfair or outrageous method to collect a debt. For example, it cant : add interest, fees, or charges not authorized in the original agreement or by state law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The above mentioned companies are indirectly causing a significant addition of charges to my personal and to my financial life. 
My current loss of funds it is caused by a measure that violates the contract stipulated between the parties. 

3 ) I was told by Resurgent representative that there was a six months time period since a debt is bought for the company to start reporting to the credit bureau.

The statement was denied later by a manager. 

4 ) I never received any communication from XXXX XXXX XXXX XXXX that LNVN was the owner of my debt or what type of roles they have with my debt. According to the letter XXXX XXXX  sent me the owner was XXXX XXXX XXXX XXXX. 

I am suggesting all the above mentioned companies to change their policies in regards to credit reporting and never penalize a party when payments are being made by negative marks in the credit file. 
I am asking the above mentioned companies to immediately remove the negative marks in my credit file for XXXX and XXXX and cease this unfair practices.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A debit card linked to one of my accounts at Bank of America was compromised and used to withdraw {$8600.00} from that account. The debit card and PIN was used to transfer {$8800.00} from another linked account using an ATM at a XXXX store in XXXX XXXX, CA. Shortly afterward, the same card was used to make a purchase of {$8600.00} from a pawn shop in XXXX XXXX, CA. The claim was denied because the PIN was used. Ive been a customer at XXXX for over 25 years and even have my IRA account with them. Ive never been to XXXX XXXX, nobody in my family has ever been to XXXX XXXX and I dont do my banking on a convenience store ATM and Im dismayed that Im having so much trouble with what is obviously fraud. I have filed a police report in my hometown of XXXX, CA and they informed me that this matter would likely be turned over to the XXXX XXXX police department.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (KY)

First Advantage was performing a background check on me. One of the items that I wanted to dispute was an employment at XXXX while I was on assignment at XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX. First Advantage wrote the wrong dates for my employment with XXXX. I gave them the phone number to contact XXXX at ( XXXX ) XXXX and to ask for Human Resources and to state that I was an internal employee at XXXX while I was on assignment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, California. The First Advantage customer advocacy person at XXXXwas rude and condescending when I told her that they did not have the right dates. I told her that I could do a three way phone call to call XXXX to verify the information. She said she couldn't do that. I then asked her if XXXX could call First Advantage to verify the information, and she said they couldn't do that either. Instead she said that they now have an extra 15 days to verify the XXXX employment information. And that the dispute team can not be contacted by XXXX, and that XXXX needs to wait for the phone call. First Advantage is intentionally delaying the background verification in order to gain more time.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I feel Experian is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Good Day, I am providing the email I sent the Servicer LoanCare this morning when I realized two of the 4 payments I made were returned. I was one payment away from being current. 

XX/XX/XXXX Loan Care Attn : Customer Support XXXX XXXX  XXXX XXXX  XXXX, VA XXXX I am writing as I just logged into my banking account and noticed that I remitted two payments to LoanCare on XX/XX/XXXX and XX/XX/XXXX each totaling {$2800.00} and just realized they were returned. I just called the toll free number of XXXX. Below you will see the payments I made which were to correspond with the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The lady on the telephone in your collections department indicated the payments were returned as they wanted all 5 payments. 

As you can see below I made 4 payments which would have made XX/XX/XXXX as being the only outstanding payment and putting me closer to current so I could get back on track. 

All this has done is set me up for failure. She wold me I had to email in order to get this researched. I am going to send a notice to the Consumer Financial Protection Bureau as well as I believe it has been mishandled I have attached the screen shot from the bank showing electronic payments processed and my XX/XX/XXXX bank statement showing the withdrawals on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thank you
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (MD)

THIS LAWYER IS XXXX, XXXX, AND XXXX. AFTER I CORRECTED THEM THEM THEY CONTINUED TO CALL ME MAM AND MADE THREATES TOWARDS ME. SAID THEY WERE TAKING ME TO COURT. SENT XXXX XXXX TO MY HOUSE AND POSED AS A FAKE POLICE. I CALLED THE XXXX XXXX COUNTY SHERIFF TO ALWRT THE REAL POLICE. THIS LAW FIRM IS EVIL AND NEEDS TO BE DESTROYED.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

XXXX  and XXXX have addresses that aren't mine wrong dates accounts still open wrong balances Experian has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX Personal Credit Card Account : CLOSED - Account Number : XXXXXXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Went to bank of America to close an account that merchants had been withdrawing unauthorized funds. Opened new account with same bank. Changed my direct deposit with employer. Tried to access the new account and was redirected to fraud dept. The told me that all accounts with them had been closed. Today is payday I go to the bank and they refuse me my money and any access to my money that was sent to them via direct deposit. If the account was closed they should have sent payroll back to my company. I have Bill 's that need to be paid today. Light phone and car.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I was notified in XX/XX/2018 that the bank was increasing my interest rate from 14.24 % to 16.99 % arbitrarily and if I did not wish to continue using my card and pay the higher interest rate I would have to close the account which I did on XX/XX/2018 keeping my rate at 14.24 % and I received a letter dated XX/XX/2018 confirming this. Preparing my taxes this year I noticed the bank had been increasing my interest rates which now stands at 15.24 %. Their customer service rep states I didn't close my account until XX/XX/2018 not notifying them timely therefore they could charge higher interest now.
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (VA)

for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and raised in XXXX XXXXXXXX, Va, i live here and work here, NEVER lived in new York. It is a violation for them to send MY INFORMATION to my grandmothers house, i guess as an embarrasment tactic, but i have a slew of family that would have access to this mail- aunts, uncles, cousins and not to mention my grandmother!! 

midland Funding is not abiding by the rules, as far as reporting or there tactics, the methods they are using are illegal and very actionable