davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Enhanced recovery is trying to collect a debt of {$1400.00} in regards to XXXX XXXX XXXX. The debt is not mine what so ever. I have asked this company to prove in writing that the debt is in fact mine but they have failed to do so. I feel as if I am being harassed by this company and it is unfavorite they are trying to take money that I dont owe. I would like for their derogatory remarks that they placed on my credit report to be removed along with the collections.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched CREDIT CARD LETTER dated XX/XX/XXXX CONFIRMS FRAUD CLAIM date XX/XX/XXXX OF {$470.00} See attatched USAA statement XX/XX/XXXX. Note at the bottom of the page XXXX XXXX CREDIT - {$120.00}. The balance ( AFTER XXXX XXXX WAS CREDITED IS {$470.00}. ) XXXX PROOF XXXX XXXX {$120.00} WAS NOT REPORTED FRAUD BY ME XX/XX/XXXX. USAA HAS LIED FOR TWO YEARS SLANDERING MY NAME CALLING ME A CRIMINAL TO CRAs Reporting I REPORTED FRAUD ON RETURNED GOODS. XXXX XXXX. XX/XX/XXXX. {$120.00}. THIS DESTROYED MY CREDIT AND IS A LIE. I DID NOT REPORT {$470.00} & {$120.00} FRAUD. I ONLY REPORTED THE BALANCE. TRANSACTIONS. AFTER XXXX XXXX WAS SUBTRACTED {$470.00}.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-10-29
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. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc. (LA)

Someone keeps calling all my family & friends, but never me from XXXX giving a case # claiming theyre a courier. First saying I had to take care of it before the court date, then saying theyd be picking me up, then that theyd take my sister in laws land. I did call & it said NCB Management when they answered. I gave case # & was hung up on. Another time I called & it said Legal Dept. & to leave a message. I didnt. A few days after the first few calls I did get a letter from NCB stating that my information had been compromised. Therefore I do believe its a scam. Its getting to be harassment because theyre calling so many people claiming they done a background check on me & found their name. Of course they get worried hearing theyll be picking me up tonight & that theyll lose their land.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On XX/XX/2020, at XXXX XXXX, I made a XXXX $ money transaction with a person name XXXX on the Cash App ( his profile is XXXX XXXX ). After we made the transaction, the seller blocked any of my contacts and declined my refund request. I have contacted XXXX to report such case but received an automated email about how they can not refund the completed transaction. I try to contact my bank while the transaction is still processing, but my bank said that they can only help me to open a dispute after the transaction is final. Is there any way that I can stop the process? Thank you.
Consumer complaint received 2020-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

I took out my private loans in XXXX. I call a couple of years back because my federal loans went from twenty years to thirty-year loans. They explained to me that it was because I had consolidated my loans for a lower interest rate. At the time this was not explained to me. Fast forward I was looking at a credit report from XXXX and it clearly shows my private loans as a loan term of 240 months or twenty years. Suddenly in XXXX, my estimated payoff date is XXXX instead of XXXX. They can not seem to explain to me why they have added three years to my loan payments. 
This is fraudulent and I would like them to make it right. I have not placed my private loans in forbearance or any other stop payment type action. I have paid them consistently over the years.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TN)

In XXXX we reached out to Freedom Morgage ( who holds our FHA loan ) and inquired about refinance rates. After we discussed it, my husband and I decided to sell our home instead of refinancing. It took us 3 months to put our home on the market and 2 additional months to have an offer on our home. We accepted an offer and started moving forward on the paperwork when our buyers morgage company discovered that Freedom Morgage unlawfully against our knowledge opened a case # against our address the following day after we ONLY inquired about rates. The buyers for our home are unable to get a FHA case # assigned to them while there is an active case # on us. I reached out to Freedom Morgage at XXXX this morning and it is now XXXX and they refused to close our case # today, potentionally costing us the sale of our home and the contract of our new home due to it being contingent on ours selling. We were transferred more times than I can count and placed on hold for hours at a time with people who never came back to the phone and never made the call backs they promised. Freedom Morgage has the ability to cancel our case # by simply logging on to FHA connection yet refused to do so. After SEVEN AND A HALF HOURS of being on the phone with them, the BEST they were willing to do is contact HUD and request it be cancelled, but we reached out to HUD and have it in email that that is not the correct way to handle this and that Freedom Morgage was to log onto FHA connections and process this. I have names of most people we spoke to, also have the extension # of the person who never bothered to return our call. I am beyond angry at how horribly they have done business with us. This is the second morgage we have had through them and we will never have another after this horrendous customer service. We did NOT give them permission to open a case # on our property. We were not even notified that they did! Because they were not willing to close the case correctly today, our closing is now delayed and we may lose the contract on our new house due to their atrocious customer service.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MA)

Im filing this complaint because I have not received my regular monthly mortgage statement from Selene finance since they took over my mortgage from XXXX XXXX  in XX/XX/2020. 
Secondly, according to the last monthly mortgage statement I received from XXXX XXXX  in XX/XX/2020 just before they transferred my mortgage, my regular monthly payment was scheduled to go down to {$2600.00} starting XX/XX/2020, but instead of going down, on XX/XX/2020 Selene finance increased my mortgage payment to {$3400.00} without giving me any written notice or explanation as to why the payment was increased.
Consumer complaint received 2020-04-29
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. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for XXXX  trans union and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (KY)

I bought three items from a local ashley store. The next day they delivered one and broke the couch moving it in because they didnt take the couch out of the box and jammed it through the door. I told them to take it back i'm not signing anything. Neither one of them spoke one word of english so they eventually left with no signature from me at all. I explained all of this to the local branch manager where i bought the items two months ago and she said she would get back to me and never did. Then two months later i get a bill for XXXX. The couch in a fixed condition was only XXXX, how can the bill be XXXX for a broken couch? I told them two months ago to come get this couch and they refuse to pick it up thinking if they send me a bill i'll pay it. I want this couch picked up and this to be over. I spoke to someone at the customer service line for the last two days and spoke to supervisors that said they would call me back and have not heard from anyone.
Consumer complaint received 2020-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

i had approached wellsfargo for applying HELOC application. During initial consultation with the mortgage consultant he never disclosed to me about an important HELOC guidelines which resulted in decline of my application. 


Does the bank has legal right to withhold the guidelines from the customer which by disclosing should infact help the client to making the right decision and save time to look for other options if he did know of the bank guidelines Bank claims that they have right to withhold the guidelines i need help from your department to know if the bank is right or wrong
Consumer complaint received 2023-07-11
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-10-29
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. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing Inc called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.