davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

My checking account was closed by US Bank and there was enough money in my account to cover the two outstanding debits on my account. They closed my account and notified me by mail only with a check enclosed for the balance ( {$60.00} ) the day they closed the account. When the two outstanding items came in they charged me fees and bounced the transactions. And they reported me to XXXX XXXX. I have been unable to bank ever since. It is not my fault that they sent the money back to me that I had in the account to cover the two transactions that were outstanding. I had the money to cover the items in my account. I did not ask them to close my account. I still do not know why they did. The account number at US Bank is XXXX. I rceived an offer of settlement from US Bank, dated XXXX XXXX XXXX The letter says the contact person is XXXX -XXXX  XXXX XXXX XXXX Their phone number is XXXX. It says the XXXX XXXX XXXX XXXX XXXX XXXX will be notified of the settled status within thirty days of the date they receive payment. I am not paying them for their own mistake I had the money in the account and they closes the account and sent me the balance without giving me chance to pay the outstanding two transactions. I was notified by us mail only and would not have known the items were outstanding or returned until I even got the letter in the mail and opened it and read it. The entire amount due is bank charges only. This is unfair and I have been unable to regain a bank account at any bank because they reported me to XXXX XXXX. They are discriminating against me because I am poor and other circumstances beyond my control. Please call me to discuss this complaint. It must be resolved. This is my second complaint to you on the matter. I have been to US Bank in XXXX XXXX, CA on XXXX XXXX to try to resolve the issue. The branch manager was extremely rude to me and told me it was too old, just to pay it and get on with my life. He was extremely rude to me. I'm not paying for their mistakes in cash. I have paid for two years now by not being allowed to bank at all. Unacceptable and very expensive.
Consumer complaint received 2022-12-17
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: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Consumer complaint received 2022-11-24
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: JPMORGAN CHASE & CO. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (GA)

Deceptive Business Practices | Sales Pressure Tatics : We signed a purchase contract with Pulte Homes on XX/XX/2022. As the home neared completion in XXXXXXXX XXXX XXXX  several representatives from Pulte Homes pushed us to wire funds and close escrow early without the home being completed. Many items that were finished during the final walk thru are now damaged. We believe Pulte homes removed items from our home to use on other homes after we completed our final walk thru. We closed escrow on XX/XX/2022 and the home is not 100 % complete.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans
Consumer complaint received 2022-12-17
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: RMA Credit Association (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Consumer complaint received 2022-11-24
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. (MN)

Request to provide document I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (IL)

On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

This complaint submission is in regards to a false credit report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

I was under covid forbearance with Shellpoint Mortgage prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. Shellpoint reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. Shellpoint 's actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.
Consumer complaint received 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

Starting in XXXX of 2022, I decided to make a plan to pay off my mortgage by applying an additional {$2000.00} towards principal every month. I reached out to Chase Mortgage at least 4-5 times during the year because they were applying most of my " principal '' payments towards my regular mortgage payments. My regular payments are scheduled monthly through my bank. I was writing separate checks that specified " principal '' and the amount, which by no means could have been confused with my regular payment. Sometime in XXXX, I finally needed to escalate my calls to an Executive Director, XXXX XXXX with Chase. I literally had to explain to him how to read my monthly statement that they sent to me. He said he understood my problem and once again, they would fix it ( for the forth time ). All XXXX XXXX did, after promising to fix the problem, was to send me the print out of where my principal payments went. It has still not been resolved. How many others are they doing this to? I was on a plan to pay off this mortgage in 37 months. It's obvious they are doing everything in their power to " not '' allow me to pay this mortgage off early.
Consumer complaint received 2022-11-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (NY)

This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to Experidan and XXXX, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you
Consumer complaint received 2022-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc. (WI)

This company is attempting to collect on an alleged debt that is timed barred or/is expired. 
Provide legal documentation supporting that I have a legal obligation to do business with you, have done business with you, or that I even owe you. 
I have had no business dealings with you whatever so ever. This debt has expired and legally can not be sued. 
My credit is my reputation, my life and I will do whatever it takes to legally protect it. I will not allow your negligence and faulty collection practices to damage it.
Consumer complaint received 2022-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

On Saturday, XX/XX/XXXX I saw that my balance on Navient was overdue. It is my understanding that the student loan pause is still in effect. I also submitted paperwork for an Income Based Repayment plan and, according to my other loan servicer, XXXX, that isn't set to change until XXXX. 

On or after XX/XX/XXXX I received a response in the form of a message on Navient 's website, which has since been deleted ( not by me... I never delete correspondence ), that their records show my plan lapsed as of XXXX or XXXX and that I need to pay the amount that's overdue ( {$78.00} ). The warning on their website stated that if I didn't pay I might be subject to late charges. The due date was XX/XX/XXXX and I have an upcoming due date of XX/XX/XXXX for the next payment.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

The credit card company has failed to assist me in a dispute regarding an unauthorized charge to my account and in doing so has continued collection efforts, reported missed payments to the credit bureau ( s ) and allowed my account balance to increase with the erroneous charges. Subsequently, my account has been closed. I have disputed the information with the credit bureau ( s ), and the credit card company updated and verified the fraudulent charges in dispute.
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc. (CA)

Hi, Before getting to the specific issues with Zip, heres some background. I purchased a coffee maker using Zip/QuadPay on XXXX on XX/XX/XXXX. My order was never delivered and despite multiple attempts to contact XXXX I received no responses. So, naturally I tried to dispute the transaction with Zip, and thats where the real frustration began. 

First off, Zip, would not let me submit a dispute even though it had been over two weeks of me contacting the merchant ( which is the threshold per their docs ). Each time I reached out to Zip, I got a response asking for more info ( clearly they hadnt read the previous messages ), and that I should just try to reach out to the merchant again. Then they gave me the contact page of another company to reach out to ( XXXX ), which is completely unrelated to this transaction as far as I can tell. That company responded saying they had no clue what I was talking about and that they dont sell any consumer goods. 

After multiple further attempts to get Zip to dispute the transaction, I finally started disputing the individual transactions through my funding instrument ( XXXX ) for Zip. Zip even threatened that I shouldnt file a dispute because it would make my account inactive. This whole process has felt entirely shady and Zip has lost any bit of trust I had in them. Id highly recommend others stay away from Zip/QuadPay.