davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I received an alert in my account in regards to a debt collection. I called the number listed on my credit report and was informed the original debt was with XXXX XXXX XXXX and was provided with information that this account was registered to an address in XXXX XXXX Fl which I have never resided nor have I ever had an account with XXXX XXXX XXXX. I was told by the representative that are would send me a packet in the mail to fill out to dispute the charges.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (GA)

This dispute is involving XXXX XXXX XXXX, once again. On XX/XX/XXXX, att sold my personal information to XXXX XXXX XXXX XXXX XXXX for a closed internet account. I closed the account because I was moving in XXXX of XXXX. I made payment arrangements with att to pay on my bill each month. My first payment was in XXXX and XXXX, along with att put my account in collections. As stated then, I was making payments to att, you can't do that. 
Well, it is XX/XX/XXXX, and att has yet again sold my personal information to another company named Sunrise Credit Services. Well, the problem again is that I'm still paying att at the store, and you can't do this. This is the XXXX time having this issue with att and its frustrating. Secondly, att has no permission to sell my information because I'm opted out of all their services and I'm opted out on all XXXX credit reporting agencies. I also have a credit freeze on all XXXX of my credit agencies. Why does accounts keep popping up on my credit reports. 
As stated on XX/XX/XXXX, XXXX needs to be deleted immediately from my credit report because I have proof of payment to XX/XX/XXXX Also, I reported att, XXXX and XXXX to experian yesterday, XX/XX/XXXX for this discrepancy to be deleted from my credit report and they agree Furthermore, if it is on my XXXX andXX/XX/XXXX, it needs to be deleted from their As well.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-02-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (CA)

On XX/XX/XXXX I received a notice from my bank that my credit rating had suddenly been downgraded. An alert was sent pointing to Paramount recovery systems. Upon calling XXXX at the XXXX XXXX number given I was informed that check and go which is a payday loan had recently turned over to them a claim for an unpaid loan taken out apparently in my name on XX/XX/XXXX for {$750.00}. As of now {$970.00} and XXXX was due. I informed the clerk that I had never taken out such a loan nor had ever done any business with them. Clerk offered no means of investigation or remediation, and asked me to email a copy with a photo ID. I did not do this I immediately called our local police department got a fraudulent Police case number XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, California. Either the collection agency is fraudulent or the initial claim was fraudulent because no one ever informed me of a reported nonpayment. My soul notification was a note from my bank, that my credit score had dropped. The people at Paramount recovery system collection agency offered nothing or no information to dispute this. I am quite sure the check and go claim is fraudulent or that they granted a loan to someone fraudulently using my name. From the number of similar reports about this on the XXXX XXXX XXXX site relating to Paramount recovery systems. It would seem worth the effort of the CFBP to investigate, is the collection being undertaken in good faith? I doubt it. 
The turmoil and time spent on this tells me that others, not so favorably, situated, as I am, would be very adversely impacted, and perhaps feel compelled to pay such a claim simply in order to make the matter go away. 
Sincerely, XXXX XXXX.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attn : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Fay Servicing Account Number XXXX Dear Sir/Madam, I am writing to formally file a complaint against Fay Servicing concerning their ongoing unfair and deceptive practices related to my mortgage account number XXXX. 

Over the past year, I have encountered multiple issues with Fay Servicing that have not been resolved despite my numerous efforts. Specifically, my concerns include : Mortgage Modification Requests : I have been seeking a mortgage modification for over a year. Despite submitting all required documentation and following up multiple times, Fay Servicing has failed to process my request or provide a resolution. 

Escrow and Homeowners Balance Discrepancies : I have reported discrepancies in my escrow and homeowners balances to Fay Servicing. They have not addressed these discrepancies or provided a satisfactory explanation, causing significant confusion and financial stress. 

Lack of Proper Assistance : Throughout this period, Fay Servicing has exhibited a lack of responsiveness and has not provided the necessary support to address these issues. Their failure to adequately assist me has compounded my difficulties and financial strain. 

I believe that Fay Servicings conduct is in violation of fair servicing practices and consumer protection laws. I am seeking assistance from the Consumer Financial Protection Bureau to investigate these practices and take appropriate action to resolve these issues. 

Please let me know if any additional information or documentation is needed to support my complaint. I am available to provide further details or assist in any way required. You can reach me directly at XXXX or XXXX Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld and that Fay Servicing adheres to lawful and fair practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (AZ)

Dates : XX/XX/year> - present Bought a used car in XXXX, at dealership for the internet ( no haggle ) price of {$9900.00} with {$4500.00} down payment & the remaining financed. In the finance office I agreed to gap insurance product from a provider and learned that Exeter Finance would be my lien-holder for 29.99 % apr. The following days I looked over the dealership & Exeter 's contracts & found that the dealer tacked on products to the final sales price nearing just over {$3000.00}. So, I contacted the dealership & the XXXX  Atty General 's office to help get everything, including gap refunded from the dealership. Atty General got the tacked on products removed quickly, and Exeter reflected the amount owed. It took me about a month & half to get gap refunded by the dealership, but with the help of filing a small claims I was finally refunded. 
My issue is with Exeter 's Apr of 29.99 %. I learned that high of an apr is usury in XXXX, and in the state of their principle offices in XXXX. Also, their apr is closer to 30.65 %, higher than what was stated in their federal truth in lending disclosure ( TILA violation ) in their retail installment loan contract. They never revised the contract to take into account Atty General refunds with respect to the amount financed, & amount of payments. Sure, I have less months to pay, but the apr is even higher with respect to the amount of payments. I read that the 0.6 % additional apr is actually a dealer recuperable charge in XXXX XXXX Exeter Finance, LLC, class action. So, it makes sense that they do not want to revise their dealer charges. The actions I have taken is file a small claims for the remaining amount I owe. They have a delegation clause ( arbitration clause ) that is wholly groundless among usury & TILA violations.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FACTUAL DATA CORP. (TX)

I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXXXXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX  XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (PA)

On XX/XX/year>, an automated payment was returned to me, I instructed the mortgage company specifically to debit my account that they had on record to apply the monthly payment that was returned. The mortgage company erroneously applied the payment to an account that did not exist. This caused my account to be late and accumulated various fees, such as late, attorney, etc. which is causing me a major hardship. I was called by someone from customer services to address the issue, however, I was rudely treated and was unable to resolve the situation. The mortgage company stopped deducting my monthly payments on this account several months ago and it has caused me further hardship.
Consumer complaint received 2023-10-27
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. (LA)

Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX  on XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Consumer complaint received 2024-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

I DON'T REALLY LIKE THAT THEY'RE HAVING TO BE THE ONES THAT ARE SETTING THINGS UP FOR MY XXXX NEW ACCOUNT AND I HATE THAT THEY'RE SETTING UP MY NEW ACCOUNT WHEN I NEVER WANTED A XXXX ACCOUNT WITH TTHEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HADN'T CONTACTED ME OR STARTED TALKING TO ME AND ASKED ME IF I WANTED A ACCOUNT AND HAD A XXXX CREDIT CARD SENT TO ME WHEN I NEVER KNEW THOSE XXXXXXXX XXXX  AND I DIDN'T EVEN KNOW WHO THE XXXX THEY WERE IN THE XXXX FIRST PLACE
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

When I was younger someone stole my social security number and tried to use it to obtain credit, my mom went to Experian and froze my account. I have tried for the last 4 years to get the freeze removed so I can start building my credit. every time I get my credit pulled it says that there is a lock on my credit. I have tried to contact Experian several times by phone as well as sent several letters in the mail, as per the instructions on the website. 
I get letters back that state there is no freeze on my credit, but again I go to get a loan, and they tell me my credit is frozen. back and forth I have done this for 4 years. I thought it was taken care of until just recently I went to buy a car, and they told me they could not access my credit. I have tried for the past 3 days to contact someone by email, phone, and website, with no luck. This has truly hindered my way of building credit stability. I don't know how a company of this nature can be so quick to not give any help or customer service at all. this is unacceptable!!! please try and help me get this resolved before someday I have to buy a house and can not get a loan for that either.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

PROVIDIAN BANK has been exercising threatening actions against me and has contacted my employer on XXXX different occasions stating they were going to deliver a summons that required my signature. This first occurred on XXXX XXXX, 2024 with XXXX XXXX XXXX XXXX XXXX ), on XX/XX/XXXX with XXXX XXXX XXXX, and again yesterday XX/XX/XXXX with another female representative I spoke with today who stated she was with a company called XXXX. Her phone number was XXXX and the reference number is XXXX. She advised my HR contact at work that legal documents needed to be delivered to my work address. When I spoke with her today, she stated they would be sending forms to my employer to garnish my wages. When I asked about the date of debt for this account she stated it was from XXXX, XXXX and and was charged off on XX/XX/XXXX/2000. 
XXXX has been practicing fraudulent methods to harass me by contacting my employer over an old debt. I feel like my rights have been compromised and I wish to pursue legal action against them. Please advise. I am seeking monetary compensation and any court fees associated with this activity.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC (FL)

I am a victim of Identity theft. Someone stole my Identity and is constantly using my Identity. I believe that that charge is fraudulent. I never lived in XXXX. I have disputed this before but I still keep receiving the debt collection on my credit score.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NY)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, US BKPT CT PA XXXX reference # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (FL)

back in XXXX i bought a condo and ended my lease with Pavilions of Deer XXXX I paid ALL the fees for early lease termination as per the lease contract. 

Months AFTER I moved, I received a bill from Pavilions for a charge of {$560.00} claiming damages,,, again, after a few months and move-out inspection. 

Pavilions is notorious for doing things like this when tenants move, even just by reading past reviews.. this is a common occurrence they tack on these fees I tried to resolve it, but it IMMEDIATELY went to collections, and since then, at least XXXX collection agencies have been demanding payment for this FAKE charge, each XXXX not even trying to negotiate, just wanting full payment with no recourse This last time.. Qualia ( the last agency ) reported this on my credit report. 
At the time of XXXX my XXXX scores were hovering in the XXXX range.. yes, I said XXXX, with XXXX late payments, all revolving debts paid in full by months end, and a stellar histry with car payment ( XXXX XXXX ), mortgage ( regions ) and XXXX Visa, XXXX XXXX, I discover and XXXX XXXX XXXX XXXX with XXXX credit lines.. 

So, all these LEGITIMATE companies deemed me a good risk, and now with the hit on my FICO.. its still in the mid-high XXXX range, but that is NOT indicative of how I handle my finances This is nothing but a money grab, by an agency that has nothing to lose by reporting this collection and try to strong-arm me into paying this " ransom '' Even if I do pay ( which I wont bc its a scam ) the collection will still be on my report XXXX XXXX XXXX XXXX, not in great health, and this is causing a great deal of XXXX.. My next step is to seek legal help and turn the tables on these predatory agencies, but XXXX hoping CFPB can put a permanent end to this situation Yours truly, XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX, met with a Bank of America agent to gain access to my mother 's banking accounts as the acting power of attorney, with a durable financial power of attorney signed and notarized on XX/XX/XXXX. My XXXX is in a long term XXXX XXXX, admitted late XXXX of XXXX. I was told I would need a letter from the facility stating she is unable to manage her finances. She is in a progressed state of XXXX. I did not have that statement. As her checking, savings and credit card accounts are all with BofA, I asked about cancelling her credit card and if there was anyway interest could be suspended. I was told I could add my name to her account and that would give me the ability to speak with the credit card agents to manage the accounts. I agreed and added myself to the account. I later discovered my credit report is suffering due to it appears as my debt. That was not explained when I added my name to the account. I've worked hard to keep my credit in great shape, now it is dropping due to this. Is this legal? Can I get my information removed from the account? My mother is on XXXX. I try to pay what I can on her debts, but there is never enough left to make the minimum payment.