davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ALTERNATIVE DISPUTE RESOLUTIONS (MA)

I was contacted by ADR solutions about a debt they are trying to resolve out of court for their client XXXX. They stated they are not a debt collector but a legal firm and to avoid felony warrants being filed for a debt they claim I did not pay in 2015 that I would have to pay XXXX dollars. I asked for a validation letter via usps mail but they declined and said they only send via email. They said this is to stop me from being processed for bank fraud and that they will file the paper work if i do not pay. I just wanted to know what the debt is and to see the actual legitimate paper work but they again refused. I called XXXX XXXX and they say they are not affiliated with whoever is claiming to represent them. I out of fear sent them XXXX dollars until I spoke with a friend who is an attorney and said to stop payment to them and not do anything unless they verify the debt or show you proof of who they are. They would not disclose who they were or the address or any information on their supposed client besides it was XXXX. I could not find any collection on my credit report showing this debt or anything close to this. I received a call from a superior court clerk in another county saying this company was looking to file charges on me but they had filed it in the wrong place and to not turn myself in for a warrant. I found that strange and called the court and the only 2 people in the office said this is impossible as they had no information or any idea what I as talking about. So I am thinking they sent bogus paperwork to this superior court so they would contact me or they used the phone number thinking it was my county to send a fake phone call. This was very terrifying and has cost me XXXX dollars. i called back one last time today and again demanded some valid form of identification or verification in writing of this debt and they refused and sent me an email that is actually a word document they created stating I owed money. I will continue to follow up to resolve this.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AC AutoPay LLC, Denver, CO Branch (AZ)

i used autopay to refinance a loan. my credit was ran twice and i was told i was approved and given an interest rate. My credit and wages were sufficient to approve me for the loan, but then reversed the loan approval and claimed its because im an XXXX and that they dont loan XXXX.. ive been in this country since 2001 and have never been discriminated against in the financial sector for anything to do with finances ... thats what a credit report and poof of income are for.. when i told the rep at autopay that it was discrimination based on my nationality, he said that because they were a credit union they werent required to follow he equal credit opportunity act and that it only applies to banks ... upon further investigation i found out that the company XXXX werent a credit union but, a premier technology-enabled auto finance company... now i have XXXX inquiries on my report and auto neither autopay nor lengenuity have tried to fix the mistake. Iv had an auto loan, personal loan and credit card for years through a credit union, and ive never been denied because of my country of origin.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I had constant charges showing up in my account and I brushed them off until XXXX XXXX  from the same vendor were showing up on my account for the same amounts on the same dates. I reported to my Bank as fraud cancelled my card and was told it was under review seemed pretty standard. I was told a temporary credit would be issued for the charges adding up to {$150.00}. I gave it 4 or 5 days nothing showed up so I called my bank on a Friday and was told that the credit would show up in my account on the next day a Saturday at XXXX XXXX. This didnt happen so I called on that Saturday morning and was then told that department isnt even open on weekends. So I waited till Monday called at XXXX when the credit still had not shown up in my account and was given a terrible excuses about it and a ton of Im sorry for the inconveniences. I was then told the credit would not show up in my account till the XXXX which I would have been fine with except for the fact I was told it would be in my account XXXX  days ago on a recorded line. So basically my bank lied to be apologized did nothing to fix it doubled down and then apologized again and never fixed the issue.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (IL)

Exeter Finance company is repeatedly resetting the dates on the loan. I have filled complaints but they keep harassing y by manipulating my credit score. They passed the loans to other collections and start the date with a new loan date that expands the length of the loan. Somehow Everytime my loan score goes up it unexplainably drops drastically. It's unfair advantage to connect with the credit bureaus and punish and harass me by dropping my credit score almost everytime it goes up. I'm on social security and I can't pay what they are demanding. I tried to pay them but they demanded I pay at a rate I couldn't afford. When they sold me the car I was on social security.They never notified me that the car was resold.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposit, in cash XXXX dollars in Atm of bank of America, And the Atm shutdown And i never se the money in mi Account
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The collection agency ( Genesis Crdt ) bought my contract from the rental agency XXXX XXXX XXXX where I lived in back in from XXXX until XXXX reported incorrect information about my move out dates which was XX/XX/XXXX, they are reporting that I moved out XX/XX/XXXX. Which makes it incorrect and needs to be removed from my credit report.
Consumer complaint received 2023-03-13
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 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
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I applied for a loan modification through my servicer, SPS on XX/XX/XXXX. During the course, of the next two months I worked steadily with the loss mitigation department to get a loan modification application approved. The department advised me of documents needs and I would upload the often the same day requested. Unfortunately, with the multiple requests for documents and the rotation of designated single point of contract individuals, very often the documents did not get processed in a timely manner. Ultimately, the account was assigned to a single point of contact that was never available or reachable to verify not only that the documents were received but that the documents were satisfactory for underwriting. I often had to speak with other individuals less familiar with my case. The process of getting documents over to the loss mitigation department was less than pleasant because the notes on my file were often not updated. Therefore, I was asked to send the same documents over again. Eventually, the loss mitigation department closed my file on XX/XX/XXXX to which I exercised my right to appeal. On XX/XX/XXXX, I sent the appeal with all of the documents that I understood were still missing, along with updated information that I anticipated the department may need to review my appeal. My appeal should have resulted in reopening my case ( as I was instructed it may ) when I spoke with the substitute representative ( absent of contact with my single point of contact ) Instead, the appeal was denied as well because the necessary review and time frame was too close to the schedule Sheriff Sale on XX/XX/XXXX. I should have been advised even though I was entitled to an appeal, it would not be reviewed. On XX/XX/XXXX, I spoke with the Ombudsman Department and they advised me they were unwilling to stop the Sheriff Sale. We discussed alternatives and it was suggested that I seek the aid of an advocacy group to possible stop the sale.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/23 I received a holiday gift card from my company in the total of {$500.00} I proceeded to attempt to use that money online at several websites just to be declined repeatedly no purchase attempt was more than {$300.00}. I tried searching online for help where I found many other customers with the same outcome as myself.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I will attach a copy of the snippet from my credit report. Its appears that XXXX did not correctly investigate for Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per XXXX no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on XXXX 's credit report.

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXXXXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX-never used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Open Dealer Exchange, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. XXXX XXXX XXXX XXXX XXXX XXXX700 CREDITXXXX 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 I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (SC)

This is my 2nd request to follow up with you 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 items listed below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (AZ)

Synerprise initially contacted me by phone on XX/XX/XXXX. I verbally received some verifying information, but was also told verbally that it was not validation. I verbally disputed the debt and requested validation be sent. On XX/XX/XXXX after receiving no further contact, I called to once more request validation and was told a letter had been sent the previous Wednesday ( XX/XX/XXXX ). I had not received it by XX/XX/XXXX, and so sent a letter disputing the debt and requesting full verification compliant to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The aforementioned letter did happen arrive the next day, but it was in actuality a bill without even the required validation information on how to dispute the debt or warning that that it would be assumed as valid if not disputed within 30 days. 
I received a response to my request on XX/XX/XXXX, but it contained identical if not less information than the previous letter. The only acknowledgement of my request were the lines : Please be advised that in response to your dispute and request for verification, has investigated this matter. [ sic ] We have verified that the total amount owed is accurate. 
which clearly does not qualify as sending me verification of the debt. 
I have received no further contact from Synerprise, including attempts to collect the debt. This is fitting, as they have not sent me the validating information that would be required to continue attempting to collect. They have, however, reported the debt as delinquent to all three major credit bureaus, which is an unfair practice given that they still have not verified it.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

I received a text message that said my account was going to be 30 days late so I tried reaching out to Grain. I replied to the text message, called the number listed on their site as well as sent messages on XXXX and XXXX. No one ever answered the phone nor called me back. Eventually someone from XXXX responded. During the time when I was trying to contact them I continued to try to get into my account but I was asked to verify my account and submit documents which I did. I was never able to get into the account. Several times I was asked to connect my account, I have all emails and text messages that indicate that my account was connected from my bank. I tried relentlessly to get into my account from XX/XX/XXXX up until I paid it off on XX/XX/22. They finally sent me a one time link to make payment. To this day I have no access to the account. After telling me I was verified and fine they lock me out. I reset my password thinking thats the issue and NOTHING!! I cant get in to make a payment, see my account, or anything.which will reflect negatively on my credit. After several emails with their customer service staff I was finally sent the link to pay it off. A few days later they reported my account was 30 days late to XXXX and XXXX. I have never been late. Payment was through auto draft. Someone would email me saying that my account should be ok and that I should log in again. I did everything I was told but still they report late payment do my credit bureaus. This is unacceptable and I want my credit report correct. This was not my fault that their app was not working. I have all emails and text messages do back up my claim. This is unethical and Grain Technology should be closed down. This is a very shady company. How can they report me late after I made payment?
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NY)

Td bank has repeatedly called my cell phone today and yesterday while I was at work. Td bank called me from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXesterday they called at XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused disruption for me while I'm working. When I spoke to the bank today and advised of the excessive calling, the rep and I quote stated " the calls will keep coming '' this is a violation of the fdcpa, cfbp, and ftc. I am work and its harassment.
Consumer complaint received 2023-12-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc. (IL)

In XX/XX/, I returned a rental car to XXXX XXXX XXXX  Upon the return I informed the owner of the rental company about minor scratches on the hood due to vandalism from homeless individuals. She offered me two options of paying her directly with a credit card for the damages or opening a claim with my insurance company. I proceeded with opening the claim with my insurance. While the claim was open, she tried to also charge my credit card for the same amount, which I disputed. As the claim process proceeded, she asked my insurance for XXXX XXXX  that the insurance found baseless due to the nature of the minor scratches and awarded her {$1500.00} ( which is what she quoted me when I had the option to pay or file a claim with the insurance ). She received the check but since XXXX XXXX told her she wouldnt be awarded an additional XXXX XXXX because the scratches didnt warrant that she turned that balance over to United Legal Group Debt Collectors XXXX who has been calling and harassing me for XXXX XXXX  despite me providing documentation of the insurance claim and payout which was opened immediately in XXXX. They have now said I only owe them XXXX XXXX for a copay but nothing is owed because this debt was rectified with my insurance from the beginning. They have fraudulently submitted this to collections and to the credit bureaus to impact my score. They have been rude, condescending and said they will make sure it stays on my credit for 7 years.