davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 informationisinaccurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
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. (IL)

On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

CHASE is believed a Creditor who has in previous communications admitted that their records reflect the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. 

I have requested CHASE submit all documents relating to the debt in which was claimed owing or was satisfied. CHASE appears to have concealed information from me REGARDING its involvement. 

Request CHASE produce all relevant documents relating to the transaction in which it were acting as trustee and to state what type of loan or transaction it was involved in : 1 ) Conventional loan 2 ) line of credit or home line of credit account 3 ) Other ( describe the instrument ). 

Did CHASE acquire the XXXX XXXX Promissory Note? When, date? Why did CHASE not record it 's interest? or did it? 
Was CHASE assigned the Promissory Note held by XXXX in 2003? When, date and where was it recorded? Was it recorded with the county recorder or with Mortgage Electronic Registration Systems? 
Who appointed CHASE/JP MORGAN as trustee? Please name the entity, i.e. XXXX XXXX, XXXX XXXX XXXX XXXX. 
Was CHASE/JPMorgan holding title to the real property referenced in the deed of trust declared on the attached document provided. 
Was XXXX XXXX XXXX, XXXX collecting rents on behalf of the trust in which XXXX XXXX XXXX was the trustee? or was XXXX XXXX XXXX, XXXX collecting mortgage payments for a conventional loan?
Consumer complaint received 2017-12-27
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: Key 2 Recovery, Inc. (FL)

I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : XXXX and Experian XX/XX/2024, and XXXX on XX/XX/2024. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

XXXX XXXX XXXX XXXX {$800.00} XX/XX/2019, CREDITOR XXXX XXXX, OLIVER ADJUSTMENT COMPANY XXXX XXXX,, {$760.00} XXXX XXXX,,, {$150.00}., CREDITOR XXXX XXXXXXXX XXXX SC NOT UNDERSTANDING HOW THIS MAY HAVE OCCURED.IAM AXXXX YR OD FEMALE THAT HAS GOTTEN MEDICAL ASSIS FROM THE STATE.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MD)

I just opened a checking and a savings account on XX/XX/XXXX, XXXX my daughter who just turned XXXX. On XX/XX/2021 when she tried to access her account, she realized both accounts have been blocked. We called the customer service line and was told her account had been submitted for closure. When we tried to ask why, they hang up the phone. We went into the branch and tried to get answers but to no avail.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

This amount of {$410.00} appeared on my credit report. I have been trying to get in contact with the company only to be not answered. I have tried to talk with a representative that only hangs up on me when I explain to them this is not my account. They want my social security number but I am not giving them this information. I want the information removes as if is fraudulent.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX informed me that this credit card was opened using an address that's not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are currently investigating how this happened. Experian has verified the XXXX but this credit card is fraudulent and it was opened using a fraudulent address. I want Experian to submit a fraud dispute with XXXX and mention that the XXXX XXXX XXXX is indeed not mine and it's also fraudulent.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have a XXXX credit card and was never told that they are charging me a extra fee for interest... I pay over my payment amount .. my bill amount is {$120.00} and I pay {$650.00} or {$250.00} never below XXXX and then they charge me a extra {$68.00} to {$75.00} extra a month for interest for items I have already paid interest on
Consumer complaint received 2024-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (CA)

I filed a complaint here, XXXX, and the company responded and then I find that the complaint status with you is CLOSED without my approval or input. Who exactly are you working for? Me, a resident of California that an out-of-state company is perpetrating fraud upon, or the out-of-state company? 

The company responded with a letter that only discussed XXXX out of the XXXX issues that I complained about : XXXX ) The primary issue that they failed to address is the interest rate increase. If you reference the letter they sent to both you and me, it contains a copy of the HELOC Disclosure Statement. On page XXXX, item XXXX, you'll see the box checked " Fixed Initial Rate, '' which is for XXXX  months. They have increased the rate XXXX  months into the loan or a full XXXX  months early! The excess interest charge remains on the new invoice for XXXX. 

XXXX ) The secondary issue they failed to address is the higher than original loan balance on XXXX of the XXXX loans. I need an accounting of both loans. 

XXXX ) Thirdly, there seems to be movement on the double-charge for escrow ( they admit it ) and while the online account seems to show the reduction and a date for reimbursement, this current paper bill conflicts with it, so for now I am satisfied with this XXXX issue but will have to watch it closely.
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp (MO)

I refinanced my student loan back in 2017 with XXXX. When I did this I setup monthly payments for $XXXX/mo with them. I just spoke to XXXX & asked about those monthly payments, they said they haven’t received any of those at all. And advised me to make a complaint. So in actuality XXXX XXXX has been taking money from my account every month, and none of that money is going to my student loans at all!
Consumer complaint received 2023-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) XXXX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from CREDITOR who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account furnished by XXXX XXXX is reporting inaccurately and inconsistently across the three major bureaus. I have disputed this account numerous times and have yet to receive documentation that proves my consent to enter into a contract with this company. This account was not authorized by me.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We were paying approximately {$4000.00} per month on our first loan modification for 2 years. When this ended our mortgage went up to {$8500.00}, we called Mr. Copper and they advised us that we are eligible for a 2nd loan modification. They asked me for lots of documents which i was submitted to them in a timely matter. I was then informed via mail that they were putting me on a Trial/Workout payment plan and had to make 3 payments of {$7300.00} By XXXX XXXX, XXXX XXXX, and XXXX XXXX. And after they would qualify me for a permanent loan modification. I called a few times trying to get a explanation to what these payments are for but no one at Mr. Copper was able to give me an valid explanation. They all informed me that these were test payments to see if were able to make the payments on time. I do n't even understand the language/vocabulary of the documents that they sent me. I already sent in the first payment but i 'm having my doubts. I got another notice in the mail from Mr. Copper stating that my monthly mortgage will go up to {$9100.00} as of XXXX XXXX. So as of now i do not understand what is going on with my loan modification. I get new mail every week with new information and just want a solution.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-04-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

There is no description for my issue listed above. Intimidation by mail and discrimination based on gender and income-level is rather missing. That will have to be the closest. 

Multiple months after any prior contact from them, Portfolio Recovery Associates LLC and its attorneys has seen fit to send me a letter informing me that I may request documentation concerning my original account. While that is entirely legal, disappearing for months and then coming at me out of the blue is reprehensible at best, and is a clear tactic designed to catch me off-guard in an effort to con me into paying them. As stated in the past, I will work with agencies who act ethically and stay within certain principles. At no time has Portfolio Recovery Associates -- or their attorneys, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX -- shown themselves to meet these criterion. This is blatant harassment of someone on Supplemental Security Income.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.
Consumer complaint received 2015-10-08
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (UT)

I kept getting calls from Kinum but did not receive any bills when I received my bill I did call them. XXXX is who identified himself and when I told him I do not have any source of income and that once I do I will pay the bill in full became aggressive, angry and began threatening legal ramifications and would not let me speak he kept saying the same thing over and over and then asked if I had a number of an attorney that I would want him to contact and that they would pursue me. He also started questioning how I paid the phone I was on and asked about other bills I had which I did not know they had that kind of information access. I have worked with and am working with other collection agencies such as XXXX recovery and XXXX and have never had such an awful experience. They were willing to work with me and to wait until I was able to make payments. 
People like this make me want to just file bankruptcy and not try and pay off my debt because if this is what you have to go through it 's extremely upsetting and had me on the verge of tears it was so abusive.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.