davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-24
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Law Offices of Michael Lupolover (OR)

I contacted the Law Office of Michael Lupolover because I was contacted by a debt collection agency that violated the FDCPA Law when contacting me. After 4 months of waiting to be contacted, XXXX contacted me with a settlement offer. He urged that I sign the settlement as quickly as possible. I advised him that there was information missing in the settlement. Which he assured me that it would me changed and to sign the XXXX settlement just so it could be filed. He lied to me about several things that were suppose to happen that never happened. He told me that the debt collection agency would no longer be able to contact me so they will be sending the debt back to its original creditor. 3 months later XXXX and XXXX XXXX, who claims he is Senior Attorney, keep telling me verbatim " the debt collector has already returned debt to the original creditor ''. This could n't be more false if it slapped you in the face. I called the original creditor 3 times and spoke with supervisors saying that it was n't returned. I called the debt of ed which has verified that the debt belongs to the same debt collection agency that harassed me! This debt collection agency also reported to my credit bureau which resulted in me getting denied on an application which the XXXX Lawfirm has has stated that they did not do! They came to a settlement amount of XXXX with the debt collection agency and I was only getting XXXX and they would keep for themselves?! XXXX Lawfirm was charging me XXXX for fees on an arbitrary number. This Lawfirm is worse than the debt collection agency that harassed me.
Consumer complaint received 2016-12-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TX)

Again I have received another noticed dated XX/XX/2016 stating that I am still delinquent and the owner of a loan for a house that was foreclosed on. I originally filed a complaint and shellpoint acknowledge this was being taken care of XXXX ( see below ) that this is being corrected and it is an error and should not be in my name and again I have received a bill saying I am delinquent on a home I do n't own anymore. It is showing on my credit as another delinquency and I want this corrected and I want this out of my name or I will see an attorney. This is my third time asking to remove this loan from my name and XXXX has still not taken care of this due to I have a brand new bill again for a house that was purchased by someone else and in someone elses name. This needs to be removed asap or I will seek legal counseling. ( see shellpoint acknowledgement below that this should not be in my name and will be removed. 

Shellpoint Mortgage Servicing said : Explanation of closure Shellpoint acknowledges your concerns with regard to the foreclosure sale of the subject property. After careful review of the loan, we concluded that the foreclosure sale was conducted by the prior servicer of the loan ( XXXX ), and we are updating our records accordingly. Additionally, the billing statement that you received from Shellpoint was inadvertently sent, and we apologize for any confusion or inconvenience that this matter may have caused.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Orions Management Group, LLC (NY)

Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (LA)

Collector is reporting a debt that the original debtor is no longer reporting on any reports. The original debtor is no longer reporting the debt, because the statute of limitations has occurred. The last payment date will be 7 years on XXXX XXXX, 2015. 

Although it is only a few weeks away, Asset is the only debt collector violating the federal rule to no longer report the debt.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TX)

Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (FL)

THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (GA)

15 US. Code 5 16816-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and XXXX and XXXX are in ViOLATION of this law because I am a victim of identity theft. I need the XXXX XXXX XXXX account and all unauthorized inquiries deleted IMMEDIATELY These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 US Code 1683b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I DID NOT OPEN THESE ACCOUNTS! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (OK)

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/XXXX, XXXX XXXX XXXX released {$4200.00} to XXXX XXXX for homeowners insurance fee. I did not authorize or consent for that transaction. After several hours on the phone with both businesses, I was able to get XXXX to refund me the {$4200.00}. It took about 30 days to get the refund check. I submitted a {$4200.00} payment ( for escrow account reimbursement ) on XXXX XX/XX/XXXX and have the customer account activity statement to prove the payment amount and date. XXXX shows no placement of the funds in escrow. But took it in as a principal payment. Servicing changed hands as of XX/XX/XXXX to Specialized Loan Servicing. SLS claims I have an outstanding XX/XX/XXXX payment and therefore am delinquent. I have had at least 4 phone calls in late XXXX as the transition occurred and through XXXX with XXXX being assured it will all be handled once the full transition occurs. There has no been no resolution. Today XX/XX/XXXX, I just spent 20 minutes on hold for SLS to tell me they have had NO ACTION on the payment research request I initiated in XXXX because, " It was routed incorrectly '' I have made a XXXX and XXXX payment on time and in full amount but SLS keeps telling me I am delinquent. I don't mind if the XX/XX/XXXX payment was directed to the wrong place. But SLS shows me as making no payment in XXXX AND my escrow account is short {$4200.00}. I can and am willing to make either the XXXX payment or an additional payment to rebolster my escrow account, but I cant do both. I am unwilling to do either until SLS can tell me where my XX/XX/XXXX payment of {$4200.00} was directed.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NY)

I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.
Consumer complaint received 2015-10-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from XXXX or from XXXX of the other national credit reporting companies, depending on which company provided the report. In XXXX letter American express stated its denial was based on a FICO score from XXXX, but it did not provide instructions as to how to get a free credit report. The law states they must do this and refusal to reinstate an account is the same thing legally as a refusal of credit upon application. And therefore they did not comply with the law, another instance of no valid proof as to why they closed our account or anything else, because they are misstating the facts and not complying with federal rules, laws and regulations in any regard.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (GA)

Greetings, In accordance with the Fair Credit Reporting act XXXX following Address, Accounts, and Inquiries below, have 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 a account without my written instructions. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX : XXXX - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - FXXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.
Consumer complaint received 2016-05-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

HESAA loan there are really no repayment options except defaulting everything else no one really qualifies for if you can even get any info on it this loan was represented to me as a government loan not a private lender to make matters as bad as can be the website is almost impossible to even enter- i have to try at least a dozen times before i can even get to the login page. making a timely payment becomes impossible unless you have a few hours to devote to trying. there is no way to get billing notifications either through email or snail mail until you are late, then you get tons of them. is it really so much to ask for automated electronic billing? at the percentage they are collecting?
Consumer complaint received 2017-03-07
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (VA)

I attended XXXX university online based out of XXXX, florida which is now closed I believe. I have XXXX loans through university accounting services or UAS, which was formerly XXXX. XXXX of the loans was reduced due to school being bought, filing bankruptcy and the other never was. im being told and I think that I should not be held responsible and have to pay for these loans and have them reported to my and cosigners credit as my degree is not considered valid and I can not or have not obtained a job in the field I so called graduated in. please help. I also have my federal loans deferred while waiting on the courts decisions on loans being discharged due to the school being a horrible school and no validity with the degree or classes I took.
Consumer complaint received 2024-09-25
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. (TX)

I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Consumer complaint received 2022-06-21
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: Mercedes Benz Financial Services (MD)

I started sending letters to XXXX XXXX on in XXXX of 2021 regarding a credit item reporting on my credit. Additionally, I have followed up with letters in XXXX and then in XXXX as shown in the receipts. I later followed up with letters to the credit reporting agency with complaints regarding that account. To date, I have not received any follow up or information related to my request. I have attached a copy of the letters as well as the copies of the receipts. No action has been taken to validate this debt and the different bureaus are reporting differing amounts.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Finance )  XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXXXX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXX XXXX Finance )  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
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: SYNCHRONY FINANCIAL (GA)

Synchrony Networks is discriminating against me because I am a XXXX XXXXn Female and not updating my " Payment Status '' on each Credit Report to show the Synchrony Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to Synchrony Networks regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.
Consumer complaint received 2016-09-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement. 



We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time. 



We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house. 



Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges. 





One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 



Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00}