davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (FL)

I have a judgment on my account for ( Eviction ) account overviews youve paid off 0 % of your collections amount balance {$3400.00} highest balance {$3400.00} opened XXXX XXXX ( 4 yrs,6mos ) account status. Open type collection Responsibility Joint.remakrs account information Disputed by consumers meets FCRA requirements.original creditors name XXXX XXXX XXXX XXXX closed No info NCC Business service XXXX XXXX XXXX XXXX, Fl XXXX..the civil judgment above I have asked for proof o account ( validation ) proof of a signed lease etc, bring that I know there is not one I have not been furnished with anything .i am aware that as of XX/XX/2017 all civil judgment should have been removed from credits reports in which this one have not.i am requesting that this judgment be removed indefinitely. I have contact the credit bureau and disputed the account as well with no resolution ( the three credit bureaus, XXXX, XXXX  and XXXX, as part of a lawsuit settlement with various states Attorney Generals, agreed to the creation of the national consumer Assistance plan ( NCAP ) for companies that used credit reports the biggest change will be in the decreased reporting of public records, specifically Tax liens and civil judgments such as forcible detainer and unlawful detainer judgment and thus they will disappear from credit bureaus reports in XX/XX/XXXX..
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2018-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AL)

I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my Synchrony Bank - Carecredit account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with XXXX  about my Synchrony Bank credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

XXXX  was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (CA)

RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX  XXXX XXXX.
Consumer complaint received 2023-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

JEFFCAPSYS HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX AND XXXX. 

FOCUS XXXX XXXX HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.
Consumer complaint received 2023-04-19
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-05
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. (CA)

XX/XX/2024 Consumer Financial Protection Bureau Subject : Formal Complaint Against Experian and XXXX XXXX XXXX Regarding Unauthorized Use of Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy rights by XXXX XXXX XXXX, which has appeared on my credit report without my authorization. On XX/XX/2024, I filed a dispute with Experian about this company, as I have never conducted any business with them, nor have I authorized them to access or use my personal information. 

The presence of XXXX XXXX XXXXXXXX on my credit report is a clear violation of my right to privacy. This company has obtained and used my personal information without my permission, which I consider to be unauthorized and fraudulent. Despite my dispute, Experian has failed to take appropriate action to protect my personal information, as required under consumer protection and privacy laws. They have not removed the unauthorized entry from my credit report nor ensured that my data is safeguarded from misuse. 

I am gravely concerned about XXXX lack of due diligence in preventing unauthorized parties from accessing my personal data, and I believe this negligence has resulted in a violation of my privacy rights. The unauthorized use of my personal information constitutes theft, and I request immediate action to resolve this issue. 


Sincerely,
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Dear CFPB : I desperately need your assistance. My home is in foreclosure. I had a short sale approved since XX/XX/2018. The buyer and I have been ready, willing and able to close this matter but have been unable to do so because of my lender. Attached is a claim for {$45000.00} which came up during my title search. My insurance company issued a check for damage for {$13000.00} and was not aware that the City of XXXX XXXX ordered the garage demolished as it was a danger to the public and could have collapsed. XXXX XXXX upon reviewing the claim issued another {$18000.00}. My lender is holding over {$31000.00} issued by insurance carrier which should be used to pay my property claim. If they do not pay this claim the City of XXXX XXXX will put a lien against the home and me as the owner for {$45000.00}. My attorney for over 4 weeks has been attempting to resolve this matter. They keep sending her to property loss then to hazard insurance department then back to home retention department and on and on it goes. We are now 13 days from my closing deadline and I am simply getting no where. Not only am I facing my credit be permanently destroyed by having a foreclosure sale instead of a short sale on my credit, but this procrastination is opening me up to {$45000.00} in liability to this contractor. Please help me as soon as you can.
Consumer complaint received 2018-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. 

XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OK)

I have repeatedly tried to unsubscribe to emails from this company, but it just takes you to an account lookup page which I believe violates the FDCPA which requires them to make it simple to unsubscribe. 
I have called and requested that contact via phone be ceased because they repeatedly call me and dont respond when the phone is answered in an attempt to get me make a return phone call at all hours which is again in violation of the FDCPA.
Consumer complaint received 2018-06-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Heritage Financial Group, Inc. (IN)

I have been dealing with Heritage Acceptance Corporation for over a year in paying a debt owed. XXXX contacts me by text as well as calling my employer numerous times on the same day. For instance I have received 2 phone calls today XX/XX/2018. On XX/XX/2018, she called me 3 times with respect to a debt. The company has my cell number and can contact me by that phone and/or texting, but continue to call my work which is harassment. 

XXXX tries to get forceful on the phone indicating that my wages will be garnished if I don't make payments. I had to correct her and state that can only be done if a lawsuit is filed. 

With regards to payments, I have consistently made payments for the last 3 months for at least $ XXXX month and that is showing good faith payments, therefore they can't pursue litigation.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/2017 Bank of America had advertisments on XXXX and search engines about 100 bonus for new customers who opened accounts by XX/XX/XXXX and had at least 250 deposited within 90 days of opening the acct. I signed up online and met the direct deposit requirement and theyre now refusing to honor the bonus because they said i did not use the proper link when there was nothing said about a specific link or code. They then ran a similar promotion which expired in XXXX ... but theyre not honoring the bonus.
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.Experian and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-06-18
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. (MN)

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, XXXX and Equifax. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX  decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed Experian and XXXX  of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said Experian and XXXX  only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX  has removed the account ...

Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX  Company XXXX XXXX XXXX
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NM)

XX/XX/2018 called Wells Fargo Loan Modification XXXX and they refused to do a loan modification even though I just had buried my mother and was getting to a point to save my home. They said I called in too late about 33 days before the sale and they needed 37 days. They would not postpone the sale or do anything about me working out something with them.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (GA)

I rented a house about 3 years ago. The previous renter was XXXX XXXX. Other than the initial changing of water services, etc. I've had no contact with him. A year or so ago, I began getting calls from a debt collector. When asked how & why they had my number, they told me they have to right to investigate & call his relatives & anyone who might know him- they found my number by the address & it did not matter if I was on the Do Not Call Registry. One evening a guy came to my home looking for him. This man was driving a tow truck, so we presumed he was there to impound a car. I know that the house was broken into when XXXX lived there. This feels like a threat to my property & personal safety at this point. These people continue to call me about every 2 weeks. I've gotten voicemails form " XXXX '' & " XXXX ''. I spoke to " XXXX, employee XXXX '' today, who refused to let me speak to a manager and hung up on me. I've XXXX  to them & got no response. When the calls from them increase, so do all Robocalls/texts. I feel that they are illegally sharing my info as a threat.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

My cell rings, and the caller hangs up before I can answer the call. This has happened a lot of times. Following are hang up calls from the same number. I called the number back, and they hung up on me. 
List of hang up calls to me. 
XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.