davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CU Recovery, Inc. (LA)

1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I.

2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 
3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. 

THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through capital one was put on my XXXX XXXX report. i called capital one right away and they closed down the account but XXXX XXXX said they will not take off the hard inquiry without proof from capital one. Capital one says this is XXXX XXXX responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens Financial Group , Inc This company purchased Franklin Mortgage and is a complete disaster to work with. 
The first time I called, around XX/XX/2020, there did not have a call back feature, and the line literally rang for 2 hours. There is no email or chat support. 

I had to register recurring payments via mail ( USPS ) and then they didn't take out my mortgage payment, and have a recording to tell me I'm late on my payment. When I answer, I have no way to talk to someone, the recording says " we will get someone on the phone '' and it never did. I the asked me to call the same phone number that NO ONE EVER ANSWERS. 

They should not be allowed to service personal mortgages and make tons of money off of us without proper customer service ( US jobs ).
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a card with Capital One. I had this card for years and never missed a payment. Now they are reporting me late every month and dropping my scores. I contacted someone at Capital One and they stated that it is corrected and that it was a fee but that was waived as well. However I just got another 30 day late payment on my credit from Capital One.
Consumer complaint received 2020-04-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (HI)

I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.
Consumer complaint received 2020-04-20
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. (GA)

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX DateXXXXXX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : XXXX {$75000.00} Account Name : XXXX XXXX XXXX XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:06/01/2018 Amount : {$25000.00}
Consumer complaint received 2020-04-20
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: Convergent Resources, Inc. (IL)

This is a fraudulent account that is not mine and I have disputed this before with my proper identification and it was removed but returned. Im in the process of buying a home and when i realized that my score dropped, it was this again.The following accounts are convergent outsourcing, inc. for {$1200.00} and the other is XXXX XXXX XXXX with a credit limit of {$300.00}.
Consumer complaint received 2021-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I am in the public service student loan forgiveness program. In checking on my qualifying payments as I near the end of my ten years of service, I found two months that were not counted and called MyFedLoan to discuss those months as I have always been enrolled in automatic payments that were deducted from my checking account. The months are XX/XX/XXXX and XX/XX/XXXX. I was told over the phone in XX/XX/XXXX by MyFedLoan that those months occurred because I was not billed when my loans were transferred between servicers. I asked if I could make those months up since I was on automatic payments and was not advised about this happening. I was told that MyFedLoan had opened a formal inquiry for me and would get back to me to let me know if I can make those payments up. I never heard back, so I wrote to them on XX/XX/XXXX, asking to make those payments up. Again, I have never had a response. 

In reviewing my records, my loans were not transferred to different servicers on those dates. They were still being serviced by XXXX, who took my payments via automatic deduction. XXXX did not tell me they werent taking those months and never gave me the opportunity to make those payments up. MyFedLoan says I wasnt billed at those times, but there was no way for me to fix it since I was on auto-payment and was not notified about this. 

Two months toward my 120 required payments for loan forgiveness will help me a lot because my family is moving to Colorado for my husband 's job and I do not want to stay behind with our XXXX being apart from his dad any time beyond what is necessary to finish this program. Anyway, I have never heard anything back from MyFedLoan about whether they will permit me to make up those two payments to have them qualify toward the 120 payments for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office during those months ( and submitted the required employment certification to prove it ) so I just need to make up the payments since I was not able to do it when they transferred my loans at the time. Thank you so much for any help.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (AZ)

XXXX XXXX of XXXX I applied for a home modification loan from BBVA Compass bank. 
I was told more than once that my credit report does not determine the outcome of their decision regarding my application. 
I was denied the modification loan and they did a hard inquiry on XXXX  Credit bureau causing my score to go down 40 points per XXXX. 
I have a hardship situation as an XXXX  due to XXXX XXXX  to my XXXX  with multiple XXXX and increased medical bills. I subsequently filed a Chapter XXXX, in XX/XX/XXXX, which was discharged first week of XX/XX/XXXX. 
I have spoken to the Manager of BBVA Compass XXXX, the district manager, XXXX XXXX, the home modification manager, XXXX XXXX, in addition to sending emails to XXXX 's manager, XXXX XXXX, and to XXXX. No one has removed that hard inquiry nor called me back after sending emails to them several times. When on the phone with XXXX and XXXX they both stated they were not removing it. 
I know they are in violation of the Federal Fair Credit Reporting act as they clearly stated that they don't use the credit score to determine their decision regarding my application for a home modification. It even states that on the application! 
***I am worse off now than before I applied for home modification. I was also denied the home modification loan. 
It's hard for me to believe that a bank, that I've been a customer of for 18 years and have always paid my personal loan and home equity line of credit on time, would refuse to remove the hard inquiry, or lower the high interest rate during these times when we need to help one another the most. I have devoted my life to others as a XXXX  and I am so sad and upset about this situation. I'm an elderly woman who was forced into retirement and divorced without spousal support in addition to having a history of XXXX XXXX. 
I need to move forward financially and have paid my dues with the Chapter  XXXX for 5 years and due to the hard inquiry I am not able to do this due to my XXXX  score. I also have spoken with XXXX   and they told me that the only ones that can remove that hard inquiry is the bank. 
BBVA Compass could have done a " soft inquiry '' instead of that " hard inquiry '' that they clearly stated, please see photos, " Please note, however, that your credit score played no role in our loss mitigation determination. '' Please help me as I need to move forward financially. Thank you
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately :
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (MI)

In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on XXXX XXXX. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by JD Byrider/ CNAC 's, a complaint was made to Attorney General 's office. Again, JD Byrider requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and XXXX  with no resolution on XX/XX/XXXX. On XX/XX/XXXX, XXXX  replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (MO)

On XX/XX/2020, Firstsource Advantage LLC called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

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.

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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (KY)

On XX/XX/20 I applied for a mortgage refinance with Loan Depot at www.loandepot.com. A credit score was pulled and I received an email with my loan number : XXXX. Then, I received a call and the representative went over the details of my application and figures associated with the costs of the loan. I requested a Good Faith Estimate so that I could comparison shop. The representative said they the only way to receive a GFE was to first commit to " moving forward. '' I asked how I could do this. He said that I will need to pay a {$490.00} appraisal fee first, and it would be credited back to me when the loan closes. I pressed several times for a GFE without needing to pay the {$490.00} appraisal fee, but he refused. I pointed out that I can not comparison shop fairly without receiving a GFE. The only document that the representative would provide was a screenshot of a generic loan amortization schedule.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (ID)

On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep. 
On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX  to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed. 
On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX  XXXX. 
On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX. 
On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.