davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (CA)

An alert from XXXX came across my email to inform me that I had a debt collection being newly reported on my credit report. My credit report is in " frozen '' status which is supposed to prevent unauthorized information being placed on my credit report and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency. Prince Parker & Associates is listed as " Collection Agency/Attorney ''. However, Prince Parker & Associates NEVER provided written communication of this alleged debt. Thus violating my federally protected rights under FCRA, FDCPA, and UDAAP. I have no knowledge of ever contracting with Prince Parker & Associates. 

XXXX has violated my rights by reporting information on my credit report despite having my account " frozen '' and violating my federally protected rights under FCRA, FDCPA, and UDAAP by obtaining my written consent/permission for the information to be listed on my credit report and in my credit file. As XXXX is a repeat offender and recklessly and negligently injure and damage my reputation as a consumer, XXXX should remit to me XXXX XXXX dollars due to their respective and repeated violations according to 15 USC 1681n and 1681o.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Financial Services Inc (AZ)

First off, I do not have a loan with allied financial and have no dealings with them at all. They are not calling for me they are calling looking for EX from 24yrs ago. I divorced my EX yr XXXX and we have had no contact since. 
None of my family knew him and never kept in contact with him. 
My new family has never even heard of him. 

Allied financial is calling Me, my husband, his family and My family members looking for my ex-husband. My new family of the last 20 years do not even know him. NONE of my family nor my husbands have any afiliation with the EX. They called both my stepdaughters, my son enlaw, my husband, my brother, my sister, besides myself. I have called them several times telling them to stop calling my family and they will not stop. They are personally harassing me and my family. I spoke to the person who left their name at allied financial ph XXXX ex XXXX and told her twice to quite calling me and my family. I have called and spoke to them 4x now I gave them my family 's phone numbers and they claim they are on their do not call list but yet they are calling them again. They will not stop. 
My stepdaughter got called XX/XX/XXXX and again XX/XX/XXXX. My husband received call from them XX/XX/XXXX. I received call XX/XX/XXXX and I told them again to quite calling I have no affiliation. They called my Brother on XX/XX/XXXX and I called them again to quit calling my family he does not know the EX. Now XX/XX/XXXX my other stepdaughter just received a call from the same person. This is harassment, I do not owe them any money, its not my loan and it is NOT my family 's but they are calling my family.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/2022. 
1 ) For XXXX, XXXX and XXXX of 2022, I entered into a hardship program with XXXX. My payments were interest payments around {$78.00} agreed upon by the XXXX finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at XXXX keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, XXXX can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX 0f 2022, my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. XXXX went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) XXXX blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Violations by SELF INC. Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against SELF INC. for alleged debt purportedly owed to SELF INC., with the account number XXXXXXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, SELF INC. has failed to provide any validation information regarding the alleged debt. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with SELF INC. before it was placed on my consumer report. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, SELF INC. has violated these regulations. 

Furthermore, I believe that SELF INC. has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against SELF INC. for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

It started with Synchrony Bank ( Care Credit ), and their promotional payment option basically no interest if paid within a specific term. Which I didn't know about with this credit card in particular. When I continued to make payments on autopay I request billing statements I did not receive until I received all at same time. From statement closing date : XX/XX/XXXX to XX/XX/XXXX. These Billing statements showed I was charged in XXXX {$7.00} and on XX/XX/XXXX billing statement {$580.00} Interest charged in XXXX up to this point on XX/XX/XXXX statement states Total Interest charged in XXXX the amount of {$690.00} and I paid {$200.00}. in interest charges. 

I was involved at the time in a major project and I needed credit cards with no interest/for a term promotions. Again, Synchrony Bank XXXX XXXX XXXX XXXX gave me that option with this company and I demand as always paper statements. No sooner was I off the phone with Care Credit I get a notification from XXXX XXXX " Congratulation you are now paperless. ". 

Waiting for status with Care Credit.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Hello, I really need your help urgently. In the nutshell, I obtained a mortgage from XXXX that was transferred to Shellpoint Mortgage Servicing/NewRez LLC.  In total, I made four payments : one to XXXX and thee to Shellpoint Servicing on time according to their statements. On XX/XX/XXXX I noticed incorrect principal balance that did not reflect all payments that I made. I have called multiple times with follow ups to fix this issue and as of today, XX/XX/XXXX all my payments got removed from my payment history, I got late charge fee assessed and my principal balance got increased as if I made zero payments. I need help to resolve this ASAP. I have a closing on Monday, XX/XX/XXXX to payoff this loan in full, but I cant due to my payments not being applied. It seems that no one in Shellpoint Servicing is willing or want to help. Today, when I called again to Shellpoint Servicing, Customer Care Representative XXXX XXXX ext XXXX, has repeated the same thing as other reps before, that they are working on this issue. Here is a full details info : 1 ) I obtained a conventional mortgage from XXXX ( NMLS XXXX ) in XX/XX/XXXX for {$390000.00}. 
2 ) On XX/XX/XXXX I have made first payment to XXXX  for {$2200.00} ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 3 ) Around XX/XX/XXXX my loan got transferred to ShellPoint Mortgage Servicing/NewRez LLC ( NMLS ID is XXXX., Main Office NMLS ID # XXXX, Branch Office NMLS ID # XXXX, Investor XXXX-XXXX NMLS XXXX ) 4 ) On XX/XX/XXXX I made a payment of {$2200.00} to ShellPoint Mortgage ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 5 ) On XX/XX/XXXX I made a payment of {$4500.00} to ShellPoint Mortgage ( bringing my principal balance {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ). 
6 ) As of today, XX/XX/XXXX, my account in Shellpoint Mortgage Servicing shows Principal Balance of {$390000.00}, zero payments that I made and {$45.00} late fee. 
I have called them on XXXX XXXX,XXXX,XXXX,XXXX,XXXX,XXXX & XXXX XXXX,XXXX,XXXX of XXXX to try to resolve this issue without success.
Consumer complaint received 2024-05-09
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

XXXX is rep with XXXX  XXXX and she called to tell me that she doesnt have to and will not provide me with any information at all. Her attitude is belligerent and unprofessional. I have had checking and saving accounts with this bank for over 15 years and suddenly without notice they shut my debit card which caused much stress and havoc. This was 2 months ago and since then they have been exceedingly rude dismissive and disrespectful. They gaslight and do not any information. This particular rep is now telling me I do not have any rights to information and she will not provide any assistance. She basically stated she is only calling because there was a complaint and she has to fill a quota. That is an example of sub par poor customer service and practices. She is like an order taker and is dismissive and disrespectful. This bank had caused me a lot of stress and fo not show any consideration
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (MI)

I have several accounts on my credit report specifically with Equifax that are being reported without my permission. I have made multiple requests, and Equifax has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX balance : {$590.00} XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$110.00} XXXX  XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither Equifax nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Equifax to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AR)

A debt collection company called RESURGENT RECEIVABLES parked a debt on my consumer reports without ever notifying me of the alleged debt. I was never given the opportunity to dispute the alleged debt, I was not given information about the alleged debt, and I was not given any disclosure from this debt collection company. RESURGENT RECEIVABLES is ruining my reputation which is a violation of the FDCPA per 15 USC 1692d ( 1 ). The debt collection company has been reporting collection notations " C '' on my consumer reports and it is misleading and inaccurate according to the FCRA. This is an act of unfair credit reporting. RESURGENT RECEIVABLES violated my rights per 15 USC 1681s-2. The account also has a notation " ND '' which is an indication of an incomplete account. This company did not verify the debt nor attempt to communicate with me regarding the alleged debt. This behavior is both deceptive and abusive.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from Equifax XXXX and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/XXXX, I bank wired $ XXXX as down payment to XXXX for a 'certified pre-owned ' XXXX XXXX XXXX. XXXX had taken my down payment amount and other qualifying information and gave me an approval me for financing at 7.99 % interest.However, ended up with a 12.99 % rate and alternate lender, without ever being informed I wasn't eligible for the interest rate provided when applying. I wasn't given the option to add co-signer or make larger down payment or even decline the terms. I was not notified or contacted about the financing at all I NEVER ACCEPTED or SIGNED THE LOAN TERMS. On the day of pick up i messaged the 'delivery ' team about my being uncomfortable with the fact I had no loan paperwork, and requested it. They provided a 1 page very vague print out that still gave me no actual information like who the lender was, when payment was due or anything. Oddly enough once i finally did get the real loan documents, according to the date on the loan... .the form hadn't been filled out until late the same night I inquired! 

I had to take possession of the vehicle, without any information about my loan. I didn't even know who to make a payment to- I was completely unaware of a different lender and interest rate. I had to ask the regional supervisor several times before I was given access to the actual loan documents. As far as I knew, up until that point... I had XXXX financing.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, I visited the XXXX dealership located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while TransUnion and XXXX only displayed information from XXXX onwards. 

Taking immediate action, I contacted TransUnion and XXXX multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies on my credit reports.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WI)

XX/XX/XXXX - I moved to my current residence, and ordered a recliner, rugs, etc., from XXXX. Everything is paid in full, except for the recliner. 
XX/XX/XXXX- Within 2 months, recliner began having irregular operation/movement and wasn't working smoothly. 
XX/XX/XXXX - Contacted XXXX, Comenity Bank ( credit card ), and XXXX  ( issuer of 5 year extended " Elite 5 year Replacement Warranty ) XX/XX/XXXX- XXXX, a service technician came to my home, and declared that my new recliner could NOT be repaired, as it had a " MANUFACTURER DEFECT '' ..... HE ALSO REFUSED TO LET ME MAKE A COPY OF HIS 'REPORT ', before he left my residence. 
XXXX thru XX/XX/XXXX - Continued making on time payments while Comenity Bank, XXXX, and XXXX insisted they were promising to " resolve '' the issue. 
XX/XX/XXXX - Comenity Bank sent a letter to all it's customers, telling us they would NO LONGER be servicing XXXX Credit Card as of XX/XX/XXXX. 
XX/XX/XXXX- Comenity Bank reported my discontinuation of on-time payments, to XXXX. 
XX/XX/XXXX Comenity Bank removed the derogatory remarks from my credit report. 
XX/XX/XXXX- Comenity AGAIN reported derogatory remarks, to XXXX.. for this same issue. 
XX/XX/XXXX- Sent a 20 ( +/- ) page file to XXXX, proving I had good cause for stopping payment. They informed me that Comenity had " closed my account '' back in XX/XX/XXXX. 
NOW ... .. not only is my credit report being affected - AGAIN - for the SAME issue, but Comenity Bank expects me to pay the ENTIRE amount, when my on-time balance in XX/XX/XXXX, was approx. {$190.00} I have- so far - had one of my other credit cards lower my available credit, due to this negative information.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.