davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

I have never received any bills for this Electric Service. I noticed this on my credit report last year and disputed it asking for proof of this debt being mine. I never received anything and the debt disappeared from my credit report. Last month i started receiving paper mail and very aggressive phone calls from a collection agency called Convergent Outsourcing, Inc about this debt. I have asked them multiple times to provide me with proof of this debt and they just hang up on me after I refuse to provide them with my social security number. I contacted XXXX XXXX XXXX and provided them with the account number finally provided to me by XXXX. XXXX XXXX is telling me someone set up electric service at an address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2020. I have never lived in Texas in my entire life and have lived in North Carolina for over 30 years. XXXX XXXX is telling me I need to file this report with you due to someone having used my social security number to set this account up with them in order for me to have this debt taken off.
Consumer complaint received 2022-11-06
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: FactorTrust, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WA)

30 day late payment notice added to my credit report for the month of XX/XX/2022 by PayPal Credit. 

I had signed up for automatic payments however the amount was not taken from my account. I then attempted to make a payment before the 30 days however, the payment never went through dispute all of my information being correct and my account being directly connected to my checking and savings account. 

I have tried to resolve this with them via email. 

In accordance with the Fair Credit Reporting Act I believe this this creditor has violated my rights under 15 USC 1681.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivable Recovery Services, LLC (TX)

Receivable Recovery is reporting information without permissible purpose. Furthermore this account is only reporting on my XXXX Consumer Report. Pursuant to 15 USC 1681e ( b ) states all consumer reporting agencies must maintain maxium possible accuracy. 15 USC 1681b ( 6 ) states all Credit Reporting Agencies must work together.
Consumer complaint received 2022-11-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MI)

Hello My name is XXXX XXXX and I attend XXXX XXXX XXXX XXXX in XXXX XXXX mi in XXXX and completed the school it was a good program so I went forward and went out and got a job at XXXX XXXX 6 months passed I paid the owner of XXXX XXXX XXXX in person and in full now its XXXX and XXXX XXXX is harassing me saying I owe the debt again its been paid to the previous owner I never made any agreement with XXXX XXXX this is false accusations I have paid everything in full Ive reached out and tried resolving the issue nobody at XXXX can help the collection agency is agresive and make threats Im very upset and this is taken a toll mentally I want this resolved please and thank you its been 8 year since I paid this debt off in full why am I being harassed now
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I ordered XXXX  and concert tickets. I have text history with XXXX. He promised the XXXX would arrive on XXXX XXXX. Iphones are on back order so he said I would get it XX/XX/XXXX. I ordered festival tickets from him and he said he give me everything but XX/XX/XXXX. Still nothing. I contacted him he said XXXX get it for you by the next day. He keeps going around in circles. I contacted my bank and XXXX but they said there is nothing they can do. This person is a friend of mines so I trusted to XXXX them. I reported that he scammed me to chase and also XXXX but both companies responded with nothing they can do. I went to XXXX house to try to get my money back but he just keeps saying he will give it to me but no dates. Is there anything we can do to stop others from being scammed by this person? 


XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1300.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1800.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1500.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XXXX try to call him everyday. He just keep pushing me off. I went to his house and his family blocked me from talking to him. I really dont know what I can do I really need my money back but there seems to be no way to get directly to him.
Consumer complaint received 2022-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (NV)

The Situation : On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX XXXX to inquiry about financing a vehicle. Upon arriving, I was greeted by XXXX XXXX. XXXX begin asking what my XXXX XXXX XXXX XXXX was and how much I was earning a month in income. I told him what I believed the score to be at the time and I told him how much I was making exactly a month in my career. Afterwards, we proceeded to look at cars based off the information I shared. Afterwards, we went back inside the dealership to see what the banks would approve me for in credit. Upon running the XXXX credit, I was approved for a XXXX XXXX XXXX that had a price for {$20000.00} based upon what the contract says. After submitting my bank statements, proof of income and credit financing application XXXX came from the financing office and told me the banks required me to put down cash in order to drive the vehicle off the lot. Not knowing the federal law at the time, I negotiated what he claimed was being requested to be put down so I put down {$3500.00} to drive off the lot via ACH method. The complaint I have is that XXXX XXXX XXXX XXXX XXXX violated federal law and dishonored their obligation to uphold Truth In Lending. The first violation of federal law is found in 15 U.S. Code 1605 - Determination of finance charge - ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

(

2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AR)

Fedloan servicing sent my student loans to XXXX when they were supposed to send them to XXXX. They failed to even record the transfer, so it was listed as still being at XXXX XXXX. 
This caused my credit score to decrease unnecessarily, because now I will have 2 closed accounts instead of one. It has also caused an almost year long delay to my PSLF application being processed. This has been a huge financial burden to my family, and we are unable to make plans.

I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spent months calling XXXX and was finally told this summer that Fedloan did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so XXXX would have to do it, but it still had not been processed at all and never showed on my account. 
After many, many calls, I spoke with XXXX who said that Fedloan had my loans recorded as still being with XXXX XXXX. In reality, Fedloan transfered my application to XXXX and my loans to XXXX. After XXXX years of paying, 15 years of working for nonprofits, and 11 months of trying to get my application through, nothing has happened. XXXX has not even received the request to transfer my loans. When they do transfer, my account with them will close, and it will lower my credit score for no reason. They should never have had my loans, so it makes me look like I had an account for a very short time. I go to a great deal of trouble to keep my credit score high and am in the process of trying to buy several properties. I can not afford to have my credit sabotaged by incompetence.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 XXXX years. 

XXXX15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KS)

Citi Bank settled a case for over charging interest between XX/XX/XXXX and XX/XX/XXXX. I was involved in this settlement and received a check for the incorrect charges on one existing credit card account. 
I had an additional Citi Card account that has not been reviewed or any notification provided. The concern here is that the account was transferred to XXXX XXXX at the start of XXXX. How do I get confirmation that the additional account ( no longer Citi Bank ) was fairly reviewed? 
Citi is in denial and XXXX has no request for review to date.
Consumer complaint received 2022-11-08
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. (VA)

I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, Experian and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: Opportunity Financial, LLC (MS)

XXXX Opploans was sent a debt validation letter on XX/XX/22 and an employee at the corporation signed for this delivery on XX/XX/22. They have not sent anything since then, and the company has not responded to any of my letters after me asking for debt validation which includes a WET SIGNATURE, they were given 30 days to have this REMOVED from my report and it is still currently reporting to all three credit bureaus NO PERMISSIBLE PURPOSE WAS GIVEN FOR THIS CORPORATION TO REPORT ANYTHING ON MY CONSUMER REPORT. THIS IS ILLEGAL AND IS IDENTITY THEFT! I have also filed a report with the FTC and XXXX Certified Tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
Consumer complaint received 2018-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MN)

I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous. 
Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX  on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXX. XXXX  for a XXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX Bank. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX XXXX XXXX I purchased a XXXX XXXX. Then I really started seeing activity on credit karma. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX  XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and XXXX looking for relief. Thanks
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XXXX I received a notice that our property taxes were delinquent. Those should be paid in a timely manner through the escrow account of the mortgage. I called the XXXX of XXXX to confirm all information and then spoke with XXXX at Freedom Mortgage on XX/XX/XXXX. She informed me it would take up to 14 days to resolve, once they received a copy of the delinquency notice via the secure portal. I sent the requested documentation that same day. On XX/XX/XXXX, I received a notice via the secure portal that the issue was being looked into and would have resolution by XX/XX/XXXX. This is not a timely resolution. On XX/XX/XXXX a statement was mailed to our home informing us that our mortgage was increasing by over $ XXXX due to an escrow account shortage. I made a call to Freedom Mortgage upon receipt of this notice on XX/XX/XXXX, which also informed us that this payment increase would go into effect in fewer than XXXX weeks. I spoke to XXXX in the escrow office at FM and he confirmed that because of the large payment that came out of the escrow account on XX/XX/XXXX to the city of XXXX, it created the shortage and that same day the mortgage assessment formula was run, increasing our mortgage significantly. We, as consumers, are paying for the errors of FM and this is a bad business decision in a financially precarious time in the country. XXXX escalated my concern to XXXX ( ID # XXXX ) who offered to spread out our overage over 48 months instead of 12 months. Again, this is passing financial liability and responsibility to me and my husband for the error of FM. I then had to spend time explaining to XXXX why XXXX XXXX in the tax dept ) could not help me with the new set mortgage amount and I had to re-explain what errors occurred leading us to this point. She stated that she'd submit the request to spread out the overage cost and it would take 10 business days. I asked her how I was supposed to trust that it would take 10 business days when the original issue was supposed to be resolved in 14 days and it took from XX/XX/XXXX to XX/XX/XXXX. XXXX finally agreed to escalate me to a supervisor, I am still waiting for resolution and supervisor assistance. My mortgage should not go up over {$500.00} a month because FM was unable to conduct their business within a reasonable time frame.