davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

Was contacted on XX/XX/XXXX about a debt to an apartment I allegedly owed ; asked them to send written statment of what the bill was for ; they refused stating they already sent one ;  asked which address as I provided a forwarding address to the apartment owners/original creditors ; collection agency provided wrong address ; continually used hostile verbiage to attempt to collect debt including threatening my credit and threatening my ex 's credit Was contacted again on XXXX with the same hostility ; advised them they were calling a number used for work and to not contact me during work hours between XXXX and XXXX Monday through Friday Was contacted on Monday XX/XX/XXXX at XXXX while driving and creditor attempted to convince my to pay debt while driving on the highway ; was called again at XXXX by same creditor ; again at XXXX by same number and again at XXXX by the same number, a total of four times ( as of this writing )
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I applied for the XXXX XXXX loan forgiveness program ( PSLF ). My loans were transferred from XXXX to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the XXXX program. The loan information was moved to XXXX but XXXX is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on XXXX 's website, they reflect I have a XXXX balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have XXXX report to the credit bureaus. I received a letter on XX/XX/XXXX stating XXXX is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from XXXX informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Phone Number ( XXXX ) XXXX NOT MY EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Inquires need to be removed and this 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

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 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I received an alert on my XXXX  account that I had been flagged for collections by Southwest Recovery Services ( SRS ). This was immediately concerning because I have an exceptional credit score and do not miss any payments. When I disputed the claim, it was updated and verified to have derived from XXXX XXXX. XXXX XXXX is a retail electricity provider who isn't even legally able to sell at my address. I contacted XXXX XXXX because I went directly to voicemail at SRS. They informed me that my address is in fact not serviceable by them and that the account doesn't match me. They requested that I contact the collection firm, SRS. When I spoke with SRS, they informed me that they don't have any documentation and that I had to go through a stringent credit removal process. They proceeded to say " Have a nice day '' and hung up. The problem is that this doesn't really effect me as I'm a high net worth individual. I can only imagine how they're treating others less fortunate than me.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've tried to resolve this issue with BANK of America NA concerning a conventional mortgage originated by XXXX  XXXX XXXX that said loan was pooled into a asset backed security called XXXX XXXX XXXX Certificates XXXX XXXX. This was not disclosed by XXXX  or Bank of America NA.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

Afni is a collection agency sent to persecute me for a debt I do not owe to XXXX. 
XXXX is charging me for a phone that I returned within one week of obtaining it through their authorized dealer, XXXX XXXX. 


On the XXXX of XXXX I mistook an " authorized dealer '' for an authentic XXXX store. The shop has a XXXX sign displayed with no disclaimer that it is an independent shop. 
The manager sold me a plan that included an XXXX XXXX that he said I would only have to pay the taxes on. 
The amount he charged me for tax on the XXXX XXXX was {$170.00}. Tax in XXXX is XXXX and the XXXX XXXX cost {$590.00} at the XXXX store that day. ( https : XXXX ). 
I took the phone to a proper XXXX store and the staff said they found the receipt bizarre ; and advised me to return the phone and cancel the contract as XXXX XXXX was not a XXXX XXXX, but merely an authorized dealer. 
I also discovered that the XXXX monthly charges were nearly double the monthly fees XXXX outlined. I immediately cancelled an appointment for XXXX to install XXXX, and transferred my phone service to another carrier. 
On the XXXX of XXXX, I returned the XXXX to XXXX XXXX at XXXX XXXX, but he never returned the XXXX XXXX to XXXX, so they continue to pursue me for charges of {$760.00} for the phone and service that I never used. 
I sent XXXX copies of the receipts -- the original and for the refund for RETURN OF THE XXXX XXXX -- plus notes from my meeting with XXXX, and a description of my history of encounters in attempting to resolve this fraud. Despite all of my efforts, XXXX has unleashed the collection agency Afni to further plague me with demands for funds I do not owe. 
I sent Afni all of the same documentation proving that the phone was returned and XXXX notified.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I have tried to file this multiple times. 

I got a new computer months ago. The chase website and chase app does not allow me to log in because it is a 'new device. ' same with my phone. 

I have an old computer that allows me to access my accounts, TO PAY CHASE of course. Nothing will stop Chase from taking money, but that is all they allow for. Taking money. 

It has been months. I had to change my phone number again due to security issues. I have no option to contact this corporation at all. the 800 numbers they provide do not work. I am put on hold for over an hour if I do manage to get through, so I have been able to speak to no one. 

I have recurring phone calls with ADA compliance from CHase credit cards to go over some outstanding disputes. I have been unsuccessful at getting these calls now that I have a new phone number and Chase refuses to allow me to update my account to enter this phone number. 

I now have extravagent charges on my credit cards that are not valid. 

I have missed 90 day windows to file new disputes and I am really not getting any of the legal services I am entitled to. 

Furthermore as a XXXX person the ADA allows me REASONABLE ACCOMMODATION. My reasonable accommodation request is to FOLLOW THE LAW AND GIVE ME ACCESS TO MY ACCOUNTS NOW My new phone number again is XXXX the one computer I have access to these accounts on is XXXX hours from me and I will not be paying my monthly payemnts this month because I CAN NOT PHYSICALLY ACCESS THAT DEVICE this is illegal. 

I have to consult an attorney at this point because it's once again another corporation destroying my ability to live and violating my legal rights I had an email address to the division XXXX works in that now gets bounced back to me. 

I have again no other choices but to look for legal representation to force Chase to give me access to my accounts. 

I got voicemails and no return phone numbers ever given to me by Chase. I am well aware this billion dollar corporation has the ability to resolve this easily and simply refuses to.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I received an email verification from XXXX on XX/XX/2023 stating : " This email is to confirm your renters insurance cancellation. If the information below does not match your account or you believe you have received this message in error, please call us at ( XXXX ) XXXX. '' But on XX/XX/XXXX, my debit card got charged a recurring fee of {$16.00} again. I tried disputing it. But Wells Fargo does not allow me to dispute it. I have a screenshot.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DEBT 0, INC (TX)

The company did not return the money that was owed to me in full of {$1500.00}, it only returned {$850.00} and they never did their talk with the bank, I already explained it. I call and email them and they don't return my calls.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I am currently in the process of selling my current home and I received a payoff amount that included an amount that was created by falsely doubling a partial claim that was filed with HUD. I had a partial claim registered for $ XXXX and that was registered. I am no Im the process of selling my home and the company is trying to say that I somehow owe them XXXX $ on top of my mortgage to pay them off. I have provided all documentation proving that they are trying to double the amount due and they are refusing to help assist regarding this matter.
Consumer complaint received 2023-11-28
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: World Acceptance Corporation (KY)

XXXX of XXXX  my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-15
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. (FL)

XXXX sent me a letter stating that XXXX XXXX obtained credit report in what was deemed a fraudulent application. XXXX deleted the inquiry from my report. Experian sais i had to calld XXXX XXXX about removing the iquiry from my credit report. XXXX XXXX said they dont do that and that i must do it directly with the credit report company Experian XXXX I called back Experian and they said i have to make a report at FTC.Gov
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (FL)

The debt is regarding a rental car damage that does not belong to me, with XXXX XXXX XXXX XXXX. The car had insurance and the damaged was caused by another party not me. The incident was reported and resolve by insurance company. This collection company is trying to get money from me that I do not owe. I rented this car for third party that already resolve this matter.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Management Holdings, LLC (MS)

This company has engaged in very abusive, deceptive, and unfair practices that are not prohibited by the FDCPA. They've have reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CO)

Affirm sold my loan to a collector called XXXX XXXX. Affirm no longer owns my loan. Affirm has continued to report to the credit bureaus as though they own my loan. I have paid XXXX XXXX as affirm asked me to, but they will not stop saying that I owe them the full amount despite giving them the confirmation letter for payment from XXXX XXXX five times.
Consumer complaint received 2023-11-28
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: WELLS FARGO & COMPANY (IL)

Wells Fargo bought XXXX, where I had an account with auto-pay. Wells Fargo did not transfer my auto-pay to my account without notifying me. Subsequently, I was under the impression that this arrangement was transferred since they were responsible for transferring all amounts and methods of payment. As a result, my account was tagged for late payments for three months, which caused my credit score to plummet from XXXX to XXXX and caused other creditors to lower my existing credit cards or cancel the cards altogether in a credit card company where I didn't owe money. although no balance was owed, they closed the account and put me on a payment plan without rectifying the error or adjusting the " bad '' report. I have auto-pay on all my loans and credit cards and have never missed a payment with any source except the situation with Wells Fargo Bank . Even after they set up Autopay after extensive application, they have reported late payments with this in effect. I can provide proof of the reduced payments from my bank statement.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AutoNation Enterprises Incorporated (LA)

Cig Financial reported late payments on my consumer report without consent or notice. 

Cig financial is in voilation of 15 U.S Code 1638 a Also in violation of 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I paid my student loan on XX/XX/XXXX ( pmt was due XX/XX/XXXX ) and it was posted to the wrong account through Nelnet. I made an additional payment on XX/XX/XXXX which was cancelled by the Nelnet representative stating the moneys I paid previously would be transferred to the correct account. To date this has not occurred. 

I then received notification about a " missed '' payment- which again was not missed. I accused additional interest and my account reflected no payment due until XX/XX/XXXX, although credit reporting reflects a missed payment in XXXX. 

I called Nelnet back mid XXXX after I was notified by XXXX XXXX about ht missed payment and paid an additional {$200.00} over the phone. I have not made a total of {$500.00} in payment for an amount due that is less than {$200.00}. 

In addition, I never received notification of a change in payment address and had been paying my student loan since XXXX without issue.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (AZ)

The only contact I received was a phone call from the collection agency wanting payment. I then contacted XXXX XXXX to confirm when the notice was sent to me about this past due money, and they could not provide any notification of any contact from them to me about this debt. The collection company was very aggressive and we worked out a payment plan. I am in the process of buying a house and this debt has ruined my credit score. I was told by my lender that medical debt by law should not be reported on my credit score. I just need this removed from any credit reporting companies asap.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.