davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
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: Continental Finance Company, LLC (FL)

On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

Ditech representing XXXX threaten foreclosure on my home even though I 've made timely payment ever since I signed the Green Tree paperwork back in 2014. I do not answer Ditech telephone calls. I will not answer harassing/threatening phone calls from argumentative Ditech employees that have been trained to harass customers. I will attach Ditech correspondence and my response at your appropriate prompt.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MS)

I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NM)

IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDICO. INC (SD)

XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.
Consumer complaint received 2024-08-29
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. (FL)

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. 
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 XXXXXXXX, 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 2024-08-29
Product: Credit reporting 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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-29
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. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : UPGRADE XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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 XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking to verify as accurate : Account Name : XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

This Bank of America credit card account was opened by my ex wife nearly 2 years BEFORE we were married. In our divorce decree, she agreed to take responsibility for the account because it was solely hers. I never had access to the account, nor did I ever use it. Shortly after our divorce, she quit making payments and B of A attempted to collect from me. She later filed bankruptcy and this B of A account was covered in that bankruptcy. Regardless, B of A has continued to attempt to collect from me. I have made several attempts to contact them to have this removed from my credit, once with a financial advisor who works for XXXX XXXX XXXX, but B of A refuses to give any information or help in any way without providing money or a payment. I have asked them to provide any type of document where I have used the account or signed an agreement of financial responsibility, but they have not done so. I have spend hours trying to receive these documents but have only been run around in circles on hold. The address they have on file for this acct, I have NEVER lived at. My credit is nearly perfect, this is my only blemish on there. I pay my bills on time every time.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL (WI)

I was trying to get a cash advance against my Sam 's Club MasterCard ( issued by Synchrony Bank ). My last statement shows that I have a, " Cash Advance/Quick Cash Limit '', of {$2000.00}. It also says I have, " Available Cash '', of {$2000.00}. <P/>I wanted to take a cash advance of {$1800.00}, and went to a brick and mortar credit union to get this cash advance. At first my card was declined, but that was because of me not answering a mailing from them, as I am out of state from my permanent location. I get that straightened out, and the CSR tells me that I can only get {$200.00} per day, not any amount up to my limit. <P/>Later, I get on the website for the Sam 's Club MasterCard, and use the chat forum. They tell me the same thing. I then ask if I could get a copy of the cardholder agreement. Or if there 's somewhere online that I can look at it. I find out that there 's nothing online, not even when signed in to my " https : '' online account page. I also find out that they can only mail ( snail-mail/USPS ) a copy of the cardholder agreement, and that I should receive it within 30 days. <P/>This does me absolutely no good. Currently, I 'm roughly XXXX miles away from my mailing address, wo n't be back by it for a couple of weeks, and then only for a few days ; I also ca n't read my agreement online. How am I supposed to verify what they are telling me is correct? I 'm especially upset because of the way it 's worded on my statement as, " Cash Advance/QUICK CASH LIMIT '' ( capitalization except for first letter, mine - for emphasis ). <P/>Do I have any recourse except to wait 30 days to get a copy of my cardholder agreement? I have attached a transcript of the chat session I had with the online CSR ( along with a copy of the chat window, showing both the beginning and the ending of the conversation. <P/>I did post an email address in the attached document with my " Chat '' transcript that you might want to remove before publishing.
Consumer complaint received 2016-08-09
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (FL)

This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals. 

Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness. 

In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate. 

My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act. 

Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades. 

Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc (NC)

the origional debtor XXXX never sent me a security deposit back or a itimized list of charges or a bill or anything. After several calls and email attempts to find out where my deposit was or list of charges was I received no response. My deposit was 2 months rent XXXX dollars. A few month later I receive a collection bill from Hunter Warfield for like XXXX dollars. I called them and went asked them for a itimized list of what they were saying I owed the same I did for XXXX. They refused to send me anything. At this point Hunter Warfield was calling me 4 to 5 times per day. I finally had to change my number just so the calls would stop. So being an uniformed consumer and not really knowing anything to do or having the means to pay for help I had to accept the collection on my credit. As of recently I was trying to get approved for a loan and low and behold this collection account was an issue because of a dispute comment on the credit report. I talked with XXXX and they said the data provider, Hunter Warfield had to remove this comment. Nervous about this, I reluctantly called Hunter Warfield to get them to remove the comment. The person I spoke with laughed at me and the proceeded to ask me what I was trying to buy. I was very offended by this. He said that he would not remove the comment, he said even if I paid the collection off he would not remove the comment. Again my request for detailed explanation of the debt in writing was denied. So now I can not get the loan I needed because they would not remove a comment from my credit report that was not accurate and worse of all they started to harass me on my work number now. Which I never gave them permission to call or the number for. The guy I spoke with was completely trying to bully me to pay him money that I can not even get a validation for. I have already talked to several lawyers and I know I have a strong case. I just wanted to try to resolve this before litigation. I orgionally moved out of the rental over 2 years ago
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

FEDERAL LOAN SERVICING ( Account # XXXX ) This account is currently reporting XXXX delinquencies on my consumer report. FEDERAL LOAN SERVICING reported that this account was 60 days past due in XXXX 2014 and 90 days past due in XXXX 2014. This is a total of XXXX delinquencies reported in Loan # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This account has received on time monthly payments and timely forbearance request. This account should not reflect delinquencies and should be updated to reflect never late. Also, during XXXX XXXX 2014 through XXXX XXXX 2014 this account was in an approved temporary hardship status which there were not any payments due on this account during those time frames referenced.