davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (IN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2018-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

We have been receiving phone calls to my wife 's cell phone from Diversified Consultant Inc. We have attempted to block their number ; however, the following day they would call from a different number. Calls are received everyday around XXXX XXXX  and around XXXX XXXX. Here are some of the numbers they have used to call us : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX It appears to be a collection agency. We have no outstanding debt that would require debt collection. 
We have spoken to someone from the company named XXXX. He said they would remove our number from their list.
Consumer complaint received 2018-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (HI)

Took out a payday-loan not knowing that it would cost 790.76 % from XXXX XXXX dba Rosebud Lending. I was already in a financial bind to begin with and did not realize what i signed up for until I went back on the website to read terms and agreement on the loan. I borrowed a total of {$300.00} on the loan in XX/XX/2018. So far i have paid to payment of {$180.00} first payment was on XX/XX/18 and next payment was on XX/XX/18. So far i paid a total of {$360.00} as of today. I have paid back the loan I borrowed plus additional {$64.00}. I did not realize that majority of the payment would go towards the interest/finance charge of 790.76 %. This is absurd. I am a struggling mother of XXXX kids barely getting buy to pay our rent so that i can have a roof over my kids head. I can't afford and continue to pay {$180.00} for another 9 months which in the end of my loan would cost me a total of {$1600.00} on a {$300.00} loan.I am requesting that you consider my loan agreement to be paid in full since you have already taken {$360.00} of my money. If I continue to pay I will not have enough funds to cover my rent. I am struggling now and can't afford to be kicked out of the apartment i am renting with my children. I tried to call and emailed several times and got nowhere with your company. I was also advised by the local attorney general office that XXXX XXXX is not licensed to do business in my state.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (WA)

There was a fraud collection account from Virtuoso sourcing group that hurts my credit score. It claims that I have a missing payment of {$60.00} since a year ago. This was out of nowhere. I called them in early XX/XX/XXXX to remove the fraud account and issue a proof that this was not my account. They checked my ssn and name. They said there was no record me owing them money. However, when I requested a proof : there is no collection with my ssn, they refused and claimed no action they could do to help me. They asked me to " settle '' or more of " blackmail '' with a high payment price to clear it off my account. I refused because I never owe them anything at first place. I insisted and wanted to escalate the case to legal level. They claimed the cell signal was off, and hang up. It was the worst company and customer service I have ever dealt with. Someone needs to take some actions to stand for the justice.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

My account/routing # for my Chase account was comprised by a screenshot I had on my phone of that information + the exact amount that was in my account {$78.00}. I called Chase + explained it + asked them to close the account. This was Saturday. They said they couldnt do ANYTHING for me until the branch opened on Monday. {$75.00} then left my account via XXXX. I then called up again, explained agin what happened + how this was there fault for not being able to close accounts over the phone when asked. How could that be real? Anyway, I went into a branch, spent two hours with a manager filing a claim. I signed a paper + faxed it into fraud. He let me know that XXXX was backed by Chase + due to the nature of my claim ( as well as all the previous telephone conversations they must have of me ) that it would be 100 % reversed + put into my new account that I had to open! Now I am being told that XXXX rejected the claim as they do not provide buyer protection???? XXXX. Please help me. This is ridiculous! Its totally Chases fault too. They shouldnt have 100 % promised something if they knew that XXXX is trash, an actual scam in itself, and doesnt offer any type of buyer protection like XXXX does. I will never be using XXXX again, and very disgusted with Chase as well.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: STERLING JEWELERS, INC. (CA)

All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.
Consumer complaint received 2018-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (FL)

I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account. 

I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior. 

I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX  id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

This mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with portfolio recovery to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

Below is the letter that I sent the company describing the issue regarding payment fees : To Whom it May Concern : Paying your bills on time is a must in America. What is foul is that you charge individuals after the XXXX of each month. The usual terms in a mortgage is that you must until the XXXX of each month to pay. It is the XX/XX/XXXX and XXXX XXXX applies that it's ok to charge people via the phone or the website. The only ways to avoid these charges ( $ XXXX- {$12.00} prior to the XXXX of each month ) is to do bill pay thru my Bank and or mail a check. This is not XXXX 's, its XX/XX/2018. The methods that are convenient for consumers and your company has a toll. Thats between $ XXXX- {$140.00} annually just because my loan was sold another loan company. As a consumer I have no power over who sells my loan. 
When I first used the phone payment, it takes two business days. Thru my Bank it's going to take 5 business days. I contacted LoanCare via phone and talked with XXXX XXXX XXXX. I communicated with her regarding the issue and she even told me that her loan ( Different Loan Company ) allows payment without extra fees prior to the XXXX. XXXX XXXX is an asset to your company because she explained the issue and it basically over her pay grade. I'm contacting the Consumer Financial Protection Bureau to voice the issues. Check what XXXX says about your website. Stop stealing from hard working Americans that understand the value of paying their bills on time. 

Regards, XXXX XXXX
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

I found some fraudulent charges on my Wells Fargo statement and went into the bank for help. My banker told me to go home and look at all of my statements for any other discrepancies and come back. I found over {$1000.00} of unrecognized/unauthorized charges going back about one year. I highlighted the questionable charges and went back to the bank. The banker then told me to go home and call these companies and try to get resolution. I went home and called the legit companies such as XXXX and XXXX. The other companies had no number to contact them.I went back into the bank and the banker also tried to locate the companies by online search, to no avail. He called the fraud department and helped me submit a claim. I was refunded {$120.00} and never heard back from fraud department regarding the remaining charges. I called today and was told by XXXX in XXXX department they refunded the {$120.00} but aren't even going to look into other claims because they are more than 60 days old. My banker never said there was a time limit and encouraged me to research this. This is not the first time I have had either fraudulent charges or attempts to charge against my account that was stopped. One of the fraud charges I was told they were coming in " through the back door '' of the bank. I am not sure what that means
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I disputed information on my report in XX/XX/year>. This dispute was resolved and my credit report was updated appropriately. 

In XX/XX/year>, I checked my report using a 3rd party monitoring service. The report could not be accessed. I viewed the report using the Equifax website and realized my report had been mixed with another individual. There is a freeze and security alert on my report that I did not request.

I called Equifax to report the error. I mailed in proof of identity, as instructed. They never received the identity documents. 

I mailed again via certified mail. The documents were received on XX/XX/XXXX. I have called repeatedly but can not get any answers or resolution. On XXXX I requested the security freeze and alert be lifted. I am in the middle of bankruptcy and need to secure housing before the end of the month. The security freeze and alert are preventing creditors from accessing my file. I will be homeless if this is not resolved.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (OR)

I pay my loan every month through the Avant app. I pay more than the minimum, and always pay ahead of time with no issues. 
There was something that went wrong in the app. Basically, it made two payments instead of one. I could conjecture about how that happened, but that seems pointless.

I got home from work and checked my email, noticing there were two emails from Avant confirming payment. I immediately called so they could cancel one of them.

I was told they can't do that because the payment hadn't finished processing yet. I asked how that made any sense, and got a lot of run around. First they couldn't do anything because it hadn't processed, then they couldn't cancel it because it had processed, round and round.

I finally spoke to a supervisor that told me she would escalate my situation to the refund department. But that any refund could take up to three weeks to process, I told her that was unacceptable but she didn't seem to care one way or the other.. 
This was on XX/XX/XXXX. 
On XX/XX/XXXX, I called back to inquire about the status of my refund, and was told it was rejected ( no reason provided except for " the system declined it '' ), but that the second payment was applied to my next month 's payment. 
I told her that was unacceptable, as I only get paid once a month and need that money to survive. 
She told me I would have a supervisor  call me back within an hour. 
This didn't happen. 
I've attempted to call back several times, each time they get as far as asking what i need a supervisor for, and then conveniently seem to lose signal. 
This is the first issue I've ever had with Avant, and I have to say their response was atrocious.