davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.
Consumer complaint received 2024-09-10
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. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (CA)

On XXXX2023 Stafford Group and Associates a debt collector reported a collection account on my credit report with XXXX. Stating {$830.00} is past due as of XX/XX/2023. My credit is being severely damaged due to this debt collectors actions. This debt collector is violating my consumer rights that the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) enact. Please help to stop this company from causing more damage and harm. The XXXX has reported Stanford Group as an u reputable and unethical company, they should be put out of business or fined and banned from collecting affecting hardworking Americans lives and reputations.
Consumer complaint received 2023-03-24
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. (MS)

In accordance with the Fair Credit Reporting act 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-10
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. (PA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

Received a 30 day notice from Chase Bank that they were closing my account. The letter did not state a reason why and neither anybody at the XXXX number Chase provided in their later or a branch manager ( I was told by the contact at the XXXX+ to talk to a branch manager ). 
I recently sold my house and paid off my mortgage and home equity loan to Chase. Now I know there is no early pay-off penalty but to me this feels like what Chase is doing. 
I am worried that whatever prompted Chase to take this action is going to prevent me from getting a replacement bank. 
Has anyone gone through this experience
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CT)

Ive received a number of collection calls from Chase, number XXXX. It appears this is in regard to my checking account, which has been overdrawn since XXXX. They have placed a block or restriction on the account prior from using mobile deposit, I do not have any local branches near me, I am only able to make a mobile deposit into savings. As you can see they make the matter difficult to resolve. They also charge extended overdraft fees as well as make harassing calls.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Card Issuer : Bank of America Credit Card, XXXX XXXX  : Unapproved merchant declaration of charges. Fees were not reimbursed. 

The point when charged were constructed I was in ownership about card. 

Another Witness : Any voicemail demonstrating all transactions associated with it. 

Suspect fraudulently utilizing my card : XXXX XXXX  I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. 

Discrepancies also surprising transactions on invoice. 

The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. 

Listed persons are in custody and control of the originals.
Consumer complaint received 2016-07-11
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gross Polowy LLC (MD)

XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX communication tactics false statement and misrepresentation Assignment fraud substitution of trustee fraud OPERATES XXXX ... XXXX OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Debt collector XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Debt collector XXXX UNDER THE CONTROL OF The debt collector law firm under the control the control XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX, XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX MIRROR THE ACTION OF DOCX ( XXXX XXXX OWES XXXX WITH A XXXX ADDRESS WHEN ASSIGNMENTS ARE CHALLENGED FOR FRAUD DEBT COLLECTOR XXXX UNDER THE CONTROL OF DEBT COLLECTOR CONTROL OF XXXX XXXX : XXXX XXXX and/or her daughter XXXX.Debt collector AND ARE USING SUBSTITUTION OF TRUSTEE AS MEANS TO MOVE NOTE AND MORTGAGE FROM DEFUNCT ENTITY TO NON EXISTENCE XXXX TRUST when assignment are challenged in court for fraud these are the local actors in XXXX UNDER THE CONTROL OF DEBT COLLECTOR FOR LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Our previous lender, XXXX XXXX XXXX added late fees and miscellaneous fees. We tried to correct them with the lender with no help. Then, XXXX was bought by Ditech and our last payment to XXXX of {$5000.00} was not recorded. Our bank statement reflects the payment, but no accounting by XXXX who transferred the accout to Ditech as " late '' even though we had paid. Now Ditech is refusing to acknowledge the discrepency and continuing to add " late fees '' on an account that was paid up. We have been making monlthy payments to Ditech and are still getting late fees and no response the several attempts in writing to clear up the matter. I can provide the letter I have faxed to them three times. I have called and called and called Ditech. I get forwarded to a voicemail everytime and no one calls us back.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for a Citi / AAdvantage Executive Card and though I have over a XXXX credit score and met all of their qualifications, Citibank did not give me a reason for declining my application.
I believe since the representative knew I was a gay man he changed his demeanor on the phone dramatically. I was initially told it would not be a problem and then when he asked me if my spouse would be a co-signer I stated that I am not married but engaged to another man. Also, I told him I was an american citizen and I guess due to my XXXX accent he did not believe me. Two strikes apparently.
He sounded alarmed and then cut the conversation short. I am very concerned about their conduct and am extremely hurt by being turned down for the card. I have impeccable credit and have thousands of disposable income. I make over $ 85K a year and no debt.
I have made a copy of FICO score for your review. Please help me.
Thanks, XXXX XXXX
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.
Consumer complaint received 2016-06-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I recently paid off my mortgage from DiTech - PAID OFF - and yet, to this day, DiTech has n't returned my escrowed tax reserve. I 've called - and told it was " in the mail ''. Then there was an issue with " getting the checks printed ''. In short, I STILL do n't have my money. DiTech is holding on to my escrow to this day, and I have no way of knowing if I will EVER get this money back.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Is it any proof of written consent as a consumer have the right to privacy the option to opt out 15 USC 1681 a 15 USC 1681B after disputing with a few companies experience still chose to furnace and share misinformation I would like all hard inquiries on the account removed immediately, and would like to know if the company has been following all of the fair credit reporting laws and regulation codes and if not, please remove all negative accounts & closed accounts immediately..
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I have been requesting Equifax to remove an old negative account in my record titled " XXXX XXXX XXXX '' that was opened in 2009. Both of the other credit monitoring companies removed the account due to the elapsed 7-years time, but Equifax is not budging because they state that a collections company took the debt years later, so they are going to make me wait years. It is ridiculous because the account is the only negative mark on my credit report AND it 's been removed from the other credit companies ' reports! I do not understand why Equifax is being so stubborn, especially now that I am trying to apply for a mortgage and this one ridiculous negative mark is holding me back. Please investigate this account and explain to Equifax that there should be no reason to hold me back from my mortgage with this pointless negative account.
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NJ)

us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me.