davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Equitable Acceptance Corp (FL)

I got scamed  bya student fo rgiveness company I already reported them to the federal trade commision, they are now possing on my credit report by another name  XXXX  my credit of  XXXX   XXXX  a month, they need to clear that I called them to unmask their scam and I even had to put a flag alert on my credit, they are a false company charging for charges that are illegal and they should not charge since I contacted the department of education and they alerted me a little too late, since the harm was already done
Consumer complaint received 2017-04-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: United Credit and Collections Inc. (MD)

Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc. (GA)

First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2017-04-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Byrider Franchising, LLC (OH)

The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

back in the RE-MODIFICATION days, i think  XXXX  or  XXXX  i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of  XXXX  by the time i received  my Re Mod the increa sed my principal by  XXXX  k to  XXXX  eventhough i was never paying principal and i have been pay extra interest these la st ten years  on that  XXXX   XXXX  my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at  XXXX . any advise would be greatly appreciated
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in  XXXX    XXXX   by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is  XXXX   XXXX   XXXX , the property location was  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

your company failed to provide the required notice of additional required documents within  XXXX   (   XXXX  ) business days in violation of Regulation X,  XXXX  C.F.R.  XXXX  ( b ) (  XXXX  ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X,  XXXX  C.F.R.  XXXX  ( c )  XXXX  iv ).
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX     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 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted Transition and XXXX. I asked them repeatedly to validate the debt by providing the third party who supplied the information concerning my state tax lien. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am confident that their entity did not investigate the matter with any court because I have visited the courts in my county and not one has any evidence anyone has appeared in person and requested my information. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. I can not close on my house because of the information they keep reporting. I supplied information as they requested. However, they refuse to supply information I am requesting.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I got my property tax bill of {$2000.00} from town of  XXXX  and I paid {$2000.00} myself on  XXXX   XXXX  and posted on  XXXX   XXXX . Later I got a statement from my mortgogae lender  Santander B ank which stated they also paid the property tax on my behalf  XXXX   XXXX . I contacted the town of  XXXX  (  XXXX  ) and I was confirmed that there is no double payments and the only payment the town recieved was the  one p osted on  XXXX . I have contacted  Santander twice for the re imbursement, they insisted they paid o n    XXXX   XXXX  .I have provided them my payment record and asked the bank to show me their record, otherwise they need to reimburse me. They promise me to solve this problem by  XXXX   XXXX  and failed and continue to insist their payment on  XXXX   XXXX  while they cannny show me any proof. So far I have not got any reimbursement from the bank or any proof showing the bank did pay the property tax.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc. (IL)

I received a letter from  ARS National Services ,   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , ( P )  XXXX , ( F )  XXXX  regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the  State of Illinois and provide the name, date, license number of the state agency issuing the license. I received   what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

On our  Sam 's Club C redit Card, They say I have been late more than 3 times since   XXXX   XXXX    . If you view my attached payments, you will see that several months I have actually made  2 pay ments a month. I called them because they said I was late again. I checked my bank statement and saw they had deducted my payment. When I called I was told that by making a payment in the middle of the month it actually just applied to the current month and was not viewed as an early payment for the next month. I had just made another  XXXX  payment which does n't show yet on my examples of payment printed from their website. Since this is still   XXXX   it will not apply for my   XXXX   XXXX   payment due of {$6.00}. I thought all of these shoddy ways of doing business were taken care of during the housing crash and credit card consumer abuse and what I call trickery. My husband gets his social security benefit check the  2nd Wed.  of each month and I pay my bills then. All this time since he opened this account, they have been doing this and I was not aware of it until today. No other company that I deal with does this if I make a payment for the next month it is credited for the next month. I think this is a very unfair practice for the consumer especially when they can see I have clearly made a payment in the current month.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

I was a member of  Citibank Visa f or 20 years. In  XXXX  I was making purchases using my credit card that were then put on another credit card # which I did n't actually own. The credit card that I was using did n't expire until  XXXX . I inquired about this and never got an answer. I also had pending charges that never carried over to the next month and there was n't any real way of knowing what had carried over since my balance was zero yet my purchases did n't add up to the total balance. I also inquired about this. I had to keep tracing things each month and it was frustrating. This pending situation was irritating but the charging  two  card # 's when I only owned  one credit card just did n't seem ethical. I canceled my membership with Citibank Visa  as a result.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar loan.
Consumer complaint received 2023-10-25
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. (MI)

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 : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.
Consumer complaint received 2017-04-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus debt.