davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (NY)

The below is the email I received. 
Final Notice Case File No : XXXX Personal NATIONAL CREDIT ADJUST XXXX XXXX XXXX ( 2 hours ago ) to me Dear : XXXX XXXX, We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Drivers License : XXXX Bank name : XXXX Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, XXXX, Experian I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
Consumer complaint received 2020-10-29
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. (TX)

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus Equifax, XXXX, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

US Reliacard is a parasitic SCAM!!!

My unemployment benefits were paused, then paid in a lump sum. I am unable to use or access my benefit payment without unnecessary fees and delays. There are ridiculous transaction amount limits as well as frequency of transaction limits. I am forced to slowly withdraw my benefits in small transactions and pay a fee after the 2nd monthly transfer. Their direct bill pay option is not direct at all and redirects to a 3rd party with a non-affiliation disclaimer, should anything go wrong.

I have called the US Reliacard 24HOUR hotline several times in an attempt to increase my account limitations and access my benefits. EVERY call has been redirected to a personal phone line, answered either by a recording that this number is closed, call back again for the next available rep. ( there aren't any! ) ... or it gets answered by someone confused, simply saying hello and hanging up.. not a professional call center or representative able to handle any US Reliacard business whatsoever! 

This Fraudulent bank and card exists solely for the purpose of applying hurdles and obstacles in the way of our taxpayer-funded benefits in order to skim funds to enrich themselves. Their website and app do not provide the necessary customer service and access to account settings and features and their customer service hotline ( XXXX ) is a deliberate time wasting loop that directs you to only dead ends before hanging up on you every time you select to speak to a live representative.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IN)

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX Bank. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Consumer complaint received 2020-10-30
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. (MD)

I filed chapter XXXX bankruptcy on XXXX XXXX An account listed on my credit report is being reported as a charge-off on my Equifax report XXXX The account in question was included in the bankruptcy. Ive disputed the account a total of 4 times, each time getting the same result that information is being reported accurately. I have even contacted the creditor and provided a copy of my chapter XXXX petition that lists this particular account with no satisfaction.. The other XXXX credit bureaus are reporting this information correctly. Please help.
Consumer complaint received 2020-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Something is definitely wrong here and I need help. 
I am being overcharged in the transaction. I am being taken for a ride by this institution. 
{$2100.00} being termed as corporate advances. This institution does not pay for neither my property taxes nor my home insurance. What do they call corporate advances? 
{$19000.00} being charged as interest. Chase claimed that the balance due was at that time {$82000.00}. The interest rate comes up to 23.60 %. When the {$2100.00} is added to the {$19000.00}, the interest becomes 26.19 %. 
At 23.6 %, monthly interest charges amount to {$970.00}. 
At 26.19 %, monthly interest charges amount to {$1000.00}. 
The loan was in default for a period of 20 months. 
I have done my own personal research which proves to me that the balance of the loan at the time of default was {$74000.00}. Under these conditions, the interest rate will become 26.21 % and 29.09 %. 
Off course, I am a member of the minority. I can be abused. Its okay to discriminate against me. But. It is not legal. Abuse and discrimination have never been the name of the game. 
Since 2013, Chase has been ignoring my request for an answer. Clueless over the institution 's behavior, I stopped paying the loan with the hope that I will be able to meet someone to discuss the matter. Instead, the loan went back into foreclosure. On the first Court appearance, their lawyer stated that the case can be settled for {$2000.00}. I told him that I'm ready to pay the requested amount provided that I get the information that I'm looking for. He spent a whole year coming to Court every month without an answer. On the last Court date, he told me that he will see me in one month.

I become suspicious because there was no assigned Court date. Before the month was over, I went back to the Court. I spoke to the clerk who told that I have to take quick action if I want to save my house. That was then that I realized that the bank 's lawyer had lied to me. I went home. I called the bank. We started some negotiations. At the end, to add insult to injury, the bank charged over {$15000.00} on top of what they were already charging me. Remember that their lawyer makes me an offer of {$2000.00} that I conditionally accepted. 
The interest amount had always been the main problem. I wanted to know how they arrived at this number, {$19000.00}. It has always remained a secret. This is the secret that Chase has been unable to disclose. 
Best regards, XXXX.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I changed hazard insurance providers on XX/XX/2020 and my insurance agent faxed the new policy information to my mortgage servicer, Loancare ( XXXX ), on XX/XX/2020. I then received two letters saying they did not have the new insurance information and they would potentially be purchasing very expensive hazard insurance for me. I contacted my agent and he showed them that he had faxed them the new policy information on XX/XX/2020. They told him that I had to call and verbally confirm that I had changed insurance providers ( I have never heard of this and believe this to be a business practice in bad-faith, trying to make it harder for me to prove I have hazard insurance ). I tried to call the " XXXX XXXX '' that XXXX said needed the information several times the week of XX/XX/2020. There is no way to get a person on the phone when I called the " XXXX XXXX. '' None. The automated system is so XXXX  and there is not a choice to speak to a customer service person. The automated system continued to say that they did not have hazard insurance information for me on file. Loancare/XXXX  appears to be deliberating making it impossible for me to update my insurance information, presumably so they can 'buy ' me insurance from a company at an exorbitant rate. I consider them to be acting in bad-faith by requiring me to verbally confirm a change in the policy, when the policy is obviously in my name and on the home that I own.
Consumer complaint received 2020-10-30
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: Conn's, Inc. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2018-08-03
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. (CA)

PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue EXPERIAN, and this is proof of my ordeals.

1-I have attached to this complaint the tremendously inaccurate accounts which you are displaying on my reports. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE and that is WHY you are refusing to understand the incorrectly information when it comes to XXXX! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE on my XXXX card # XXXX  ... you are illegally reporting incorrect information. There is 1 ACCOUNT on my credit report from XXXX with STATUS " CLOSED '' with a false 30 day LATE on it and another one that is displaying the same information in the OPEN accounts with the same account # ( that is the accurate one ). DELETE the one which is LATE and CLOSED, that does not belong to me. MY CARD IS OPEN and late-free! I do not know the closed one is with the 30 day late ... it is not mine or accurate. This is not an account that belongs to me and the information is inaccurate, mixed up and false.

2- Second reason why I am going to sue you is that you have not carried out on an investigation into XXXX # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

I have disputed this multiple times and my recent response from Experian was absolutely off from what I believe that they sent me the wrong response. Their response to me seemed to me was meant for someone else. I didn't dispute anything regarding " child support '' and they claim my dispute was regarding child support, which is very confusing. They responded to me regaining multiple things which I never referenced and do not know who they belong to.

So, basically they may have sent my response to someone else and now I am worried my information has been compromised.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

I am a severly XXXX, formerly homeless unemployed veteran with no money and no assets. I had XXXX $ in my account which my widowed XXXX year old mother gave me to eat and wells fargo bank stole it, YES STOLE IT, out of my account without notifcation, THE WEEK ENDING XX/XX/2018. I have not been able to eat or supply myself basic needs becuase of this in over a week. 
I CONTACTED THE WELLS FARGO AND THEY TOLD ME TO GO TO XXXX. THIS IS HOW THIS DIRTY EVIL CORPORATION, WITH BILLIONS OF LAWSUITS AND GOVERNMENT SANCTIONS AGAINST IT, TREATS OUR NATIONS VETERANS!! I DEMAND MY XXXX $ BACK NOW!!
Consumer complaint received 2018-08-03
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)

PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue you Equifax.

I have attached on this complaint the tremendously inaccurate accounts which you are displaying. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is perfectly delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE On my XXXX card # XXXX  ... you are illegally reporting incorrect information. Why did you contact XXXX  to verify if it is open or not an ONLY confirmed that information with me? That is NOT what I am disputing here! There is 1 ACCOUNT on my credit report from XXXX which states STATUS : CLOSED with a false 30 day LATE on it! DELETE THAT IT IS NOT ACCURATE! MY CARD IS OPEN I KNOW THAT! This is not an account that belongs to me and the information is inaccurate, mixed up and false ... what is so hard for you to understand!

2- SECond reason why I am going to sue you is that you have not carried on an investigation into XXXX  # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-03
Product: Debt collection — Mortgage 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 (CA)

I requested for the following information more than four weeks ago without a response from the Trustee with respect to the documents associated with the sale of my house. At this point, Im highly suspicious of their activities and as a US Citizen requesting from CFPB Economics Crime Unit for further investigation. 

XX/XX/2018 @ XXXX Auctioned sale of the property @ XXXX 3-day notice served XX/XX/2018 ( 6 days after the sale ) I requested to know ( via phone call and certified email ) the following transaction information on my property which was sold without my consent or conveyance : - Exact Date and time of sale - Final bid and sale amount performed by third party auctioneer ( Name of the Auctioneer to be provided ) - Full name of the bidder/buyer - Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development - ** Copy of the Sales receipt and transfer of funds by the buyer ( This is a mandatory item ) ** - Any other relevant information that needs to be disclosed ( Full disclosure requested ) XX/XX/2018 It has been more than four weeks and they have had plenty of time to provide this information, however when requested again on XX/XX/2018, there has been no response of any kind from the Trustee. Ive never given authorization to the so-called Trustee ( XXXX XXXX ) to convey the title. 

It is very likely that the so-called " investor '' in this case, XXXX XXXX XXXX ( XXXX XXXX ) is a co-conspirator to complete their fraudulent activities in order to close the transaction loop. 

I've been removed from my property, and as of today, I can not get the truth out of XXXX XXXX and XXXX XXXX XXXX. Most importantly the sales receipt and the transfer of {$950000.00} is of great concern that must be disclosed and reported to HUD through a settlement statement.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Sensible Auto Lending, LLC (CT)

I purchased a XXXX XXXX XXXX  through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying. 
When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing. 
I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.
Consumer complaint received 2020-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

This debt collector has appeared on my credit report, however, this is not my medical debt as I have never received a XXXX nor owe any type of medical debt. Furthermore, I have never received any type of correspondence from this debt collector as I do not owe such debt.