davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2016-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. 

This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.
Consumer complaint received 2015-05-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate and incomplete information on XXXX account.Experian has a disregard for the FCRA and the enforcement of the CFPB.Experian refuses to correct or investigate, they try to blame the creditor for Experian 's own violation of FCRA. 
Experian account, XXXX bank # XXXX ... is reporting incorrectly, incomplete and inaccurate .... 
specifically INCOMPLETE AND INACCURATE : no reported date of first delinquency, no reported date closed, balance history should show {$12.00} is the amount of last payment not XXXX, monthly payment was {$12.00} not XXXX as reported.payment history table does not show XXXX day lates or the 180 day charge-off date computed from the date of XXXX delinquency. 
the XXXX balance is @ XXXX dollars more than is legally permissible by the fully-implemented 2009 CREDIT CARD ACT In addition, the careless, INCOMPLETE reporting by Experian serves to '' RE-AGE '' the account, in a new creative way. 
( another specific FCRA violation by Experian. ) IN EXPLANATION : in not reporting the date of first delinquency, the date closed and having an incomplete payment table, the XXXX SCORING CAN NOT BE DONE CORRECTLY ( ATTACHED XXXX REPORT showing my only neg.acct., XXXX is calculated as 2.1 years late not 4.8 years late from the dofd. ) the XXXX report is from Credit Check Total, an Experian product.
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

Equifax Inc. had systems which were improperly and insufficiently secured. As a result of their negligence, my information, along with an estimated 143 million customers from the United States, the XXXX XXXX, and XXXX have had our information put at risk. This negligence jeopardized and made names, Social Security numbers, birthdates, addresses, driver 's license numbers, and credit card numbers available to users who Equifax Inc. 's negligence and insufficient security processes enabled.
Consumer complaint received 2017-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX Bank of America wo n't coooperate with my lender ... It 's a whole other pay cycle and they still wo n't communicate the proper info.. Online bank was not taken care right either due to that I received XXXX in overdraft fees and it was the banks fault..
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

Early this week, Equifax was hacked. Based on the service they provided to determine if you 're affected, I may be affected. But this whole service funnels back into Equifax, ultimately giving them more opportunities to take advantage of customers. 

In short, their whole business model and role is to do credit monitoring and reporting, and they 've failed to do so responsibly. In reaction, they 've set up a way to confuse more consumers and take more payments.
Consumer complaint received 2016-06-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ACCESS GROUP INC. (MI)

I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

A Collection Agency named XXXX XXXX XXXX is falsely reporting to Experian XXXX alleged debts owed to a XXXX Timeshare company that I do not owe. I have attached a letter of explanation concerning why these alleged debts are not valid, along with supporting documentation. It also explains how both the XXXX Timeshare company and their collection agency are attempting to extort money from me to pay them money I do not owe by damaging my credit on Experian ; and then refusing to remove the negative reports unless I pay them. 

I have subsequently have been forced to hire a credit restoration specialist to help rectify this matter. They wrote Experian on my behalf XXXX formal letters on XXXX XXXX, 2016 ( both are included in Exhibit A of the attached document ), requesting financial documentation ; with notice that failure to these documents for this legally disputed account will serve as proof that it is not a valid debt ( copies of both letters are also attached ). The letter further stated that if they failed to respond Act to this legally requested validation of debt within the prescribed 30 day period under the Fair Credit Reporting, all references to XXXX XXXX XXXX account # XXXX be deleted from all credit bureaus, including but not limited to XXXX, Experian and XXXX. 

As of XXXX XXXX, 2016, 60 days later, Experian has both failed to respond to this request and remove the negative entries from my credit report. As a result they are enabling XXXX XXXX XXXX and the XXXX Timeshare company to continue this extortion.
Consumer complaint received 2017-07-29
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)

I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX around XXXX XXXX, I sent two of my contractors payments using Chase 's Quick Pay  feature. I received two emails within 15 minutes stating that the funds were pending. I checked my account and the money was taken out for one of my contractors. I called the bank to find out that there was internal issues with their online banking systems. I asked if the funds would be available by the end of the day. At first the person told me that it would be fixed within an hour or two. Later she told me that it would be fixed by the end of the day, but most likely within the hour or two. Around XXXX XXXX I called back and was given the same information. At XXXX XXXX I received two emails. One stated that the contractor which the funds already had been taken out failed, but the other contractor was funded. I checked my account and the funds for the contractor that had been taken out previously were not back in my account. I called Chase to see how to get those funds added back in so that I could pay my contractor. The first person I talked to could n't help me and transferred me to someone else. The second person tried to explain that the funds would be available the next day. I explained that I needed to pay my contractor and that the funds were available that morning. They transferred me to another person. This next person explained the same thing, that they could n't help me and that I would have to speak to the claims department, but that they would be able to replace my money. The person from claims told me that they were the wrong department and transferred me back the the first department that I talked to. At this point I was on the phone for almost 3 and a half hours. The next lady that I spoke to told me that I was in the wrong department and told me that she would transfer me to claim, which is literally the department that I just spoke to. She told me that my wait time would be 45 minutes. I explained that this was outrageous and that I needed to speak to a supervisor. This person immediately transferred me to online support. And finally this lady explained that there was no possible way to get my money. If I do n't have funds available they charge me overdraft fees, but when they mismanage my money there is nothing that I can do about it!!!!! I feel as if they stole my money and told me that I had to wait until they were done with it. I explained that if this contractor decides to no longer do business with my company, due to not being paid on time, I would lose thousands of dollars. Luckily, I think that I have saved the situation with him, but my issue is this, how is it possible for a bank to lose my money and have no consequences. I had the funds that morning and they mismanaged my account. Additionally, the other contractor did n't receive his money until today. Typically the funds are approved and transferred the same day.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Phelan Hallinan Diamond & Jones, PC (CO)

In XXXX while married to my ex-wife, we co-signed on a mortgage for her family member through XXXX XXXX. In XXXX we filed for bankruptcy. In that bankruptcy that loan was discharged. XXXX XXXX was certainly notified. They, however, hired a collection company, Phelan Hallinan Diamond XXXX PC. We notified them in writing, complete with documentation to back up our claims in XXXX. On XXXX XXXX, XXXX, we were served a Summons and Complaint to appear in court in XXXX ( we are in XXXX ). As a result of this firm 's lack of due diligence, as well as XXXX, my credit continues to be hit monthly, negative reports added, and I have been prevented from selling my home because I can not obtain a loan for a new house. I am also unable to get any kind of consumer credit at a reasonable interest rate. My credit bureau reports that I have a foreclosure on my record, and that is not true. We have tried numerous times to contact the collection firm, with XXXX response. These actions are inflicting undue financial and emotional hardships on us.
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (IL)

I received to a credit card offer from Fortiva by mail.I responded by phone to accept the offer. I never received the card. I did receive a bill with unknown and unauthorized charges for which I immediately completed a fraud affidavit and returned it to their company. I have since called their customer service and fraud departments over ten times in the last six months trying to get this off of my credit with no results. I never received the card, never used the card, never activated the card, and they have adversed my credit with the credit bureau and placed me for collection. I am a victim of Fortiva credit card scam.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely,
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting act LVNV FUNDING LLC Account # XXXX, 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 an account without my written instructions. I also had no recollection of an account in Ohio. All transactions from this credit card were made in Ohio and I have not resided there in the past 10 years due to my military status.
Consumer complaint received 2024-08-20
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. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL THESE ACCOUNT HAVE VIOLATED MY RIGHTS 5 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. 16815-2 ( 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 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I applied for a loan secured with my car on XXXX. I borrowed {$5000.00}. I asked if there was a penalty for early payoff & I was told no. I asked the man before signing ... if I cashed the loan check then immediately paid it back would I only owe the {$5000.00} & he said yes. 

Then my first statement cam in the mail & said I owed over {$10000.00}. I was terrified & called One Main Financial. They assured me I did n't owe that. I only owed the $ XXXX I had borrowed. The lady said she never understood why their statements always put all the interest in like that as the balance. She assured me I only owed the {$5000.00} I borrowed. 

One Main 's online information is shady & vague. My account never shows what part of my payment applies to principal vs what applies to interest. My mailed statements are also shady & vague offering no information. It is like they took all the interest that would accrue over the life of the loan ( 5 years ) & they lumped it together in some false balance due. They act like I owe all the interest that would accrue over 5 years but I owe all that interest starting day XXXX. 

I can not follow what is going on. I have asked the One Main corporate office for an amortization schedule to be told only the local branch can provide that. The local branch says they can not provide this info. I have made timely payments for 1 year & I was told on XXXX that my principal balance was {$5100.00}. When I asked the man on the phone ( XXXX XXXX ), how was it possible for a loan principal to ever be more than the amount that was borrowed especially after a year of making payments. XXXX said he was not sure but he thought One Main front loaded all their interest so I was n't actually ever making payments to my principal over the last year. I was dumbfounded. 

Mt principal balance was amended today by One Mail to approx {$4900.00}. Somehow in XXXX payments I have only paid {$19.00} of principal? My loan is only for 5 years & in one year I have paid nothing to principal?? 

An online generated amortization schedule show my principal should be somewhere between $ XXXX {$4600.00}. I feel like my money is being misapplied & One Main Financial thinks their average customer is too XXXX to figure this out on their own so they improperly apply payments & they hide how they apply payments by refusing to provide amortization schedules & by not making standard lender loan information available to their customers.