davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

A XXXX  card account number XXXX*that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting which is a violation pf FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit. Tracking number XXXX
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

- XXXX XXXX, Acct # XXXX has violated my rights - XXXX XXXX, ACCt # XXXX, has violated my rights - XXXX XXXX, Acct # XXXX has violated my rights- XXXX XXXX, Unknown Account, Reporting balance of {$19000.00} - XXXX XXXX, Acct # 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.

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 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, Capital One closed my account. I was getting a loan for my Business. They was saying its Fraud. But its a LOAN which Im not understanding why its fraud. The amount should have been {$40000.00}
Consumer complaint received 2021-05-25
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: AFNI INC. (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
I submitted my documents on XX/XX/2021.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (IL)

This is about the Equifax data breach settlement and how it is being employed. 
My data was stolen during the Equifax breach. Free credit monitoring is supposed to be provided. 
XXXX On the equifax breach settlement site I choose the extended free credit monitoring option. 
XXXX I received an email saying my free credit monitoring by XXXX, which was part of the settlement would end in 5 days. Leaving me with no free credit monitoring. 
XXXX The settlement call center tells me the case will take months to complete and I am on my own as far as buying credit monitoring, even though my claim was received. 
How can Equifax get away with this? They will now make consumers like me pay them, or another agency, to monitor my credit, after they lost it in the first place? They have hurt millions of people for the rest of their lives by their carelessness. Where is the fairness in that?
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank is the holder for my XXXX  card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

Equifax has recieved my previous FTC report and has given me a confirmation number for deletion of inquires but they have not been deleted! I demad these be removed immediately!
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (MA)

- Received a bill from XXXX XXXX for {$160.00} sent a check directly to the company on XX/XX/XXXX. 
- This was the only bill I ever received from the company, and as soon as the bill was received, I mailed a check. 
- Mortgage broker pulled a hard inquiry on XX/XX/XXXX and found I had an account in collections for {$160.00} -- the same amount as the initial bill - XXXX XXXX XXXX on XX/XX/XXXX and spoke to a contact over there who said there was a second, unpaid bill for the same amount ( {$160.00} ), and it had been sent to collections. 
- During my conversation with XXXX XXXX, I paid them in full for the amount on file ( {$160.00} ) - I had never received any notice of this second bill, just the initial one that was paid for the very similar amount. 
- I was never informed in any capacity that this account has gone to collections, nor was I notified that it WOULD go to collections if it remained unpaid. 
- Collection agency did not communicate with me directly in any capacity - If I had known about the bill, it would have been paid immediately and on time before even going to collections. 
- My credit report was spotless and exemplary, above 800, before this incident and has dropped substantially since then to under 700.
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Prime Business Service, LLC (CA)

This company, Prime Business Service, is reporting a duplicate account and debt. I have disputed with them several times and they do no respond. XXXX companies can not collect on the same debt at the same time per the FCRA.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ROC Asset Solutions, LLC (CA)

The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is disregarding federal laws designed to protect consumers at large. They havent produced any of the 5 documents being requested to validate that the case is lawful. 

I urge the federal government start a full-scale audit/investigation on Bank of Americas practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have Spent many hours on the phone with USAA trying to attain a digital XXXX or XXXX/XXXX  version of my entire Account history or at least the last 7 years. I'm simply referred to an area that only shows the last 18 Months and or I'm required to print out statements or pay {$10.00} a page to have USAA send me each page of all of my statements. We are in 2021, I know this is possible as I used to be able to complete this on my own and at my own request on my USAA page. I can guarantee if it was the government requesting it, USAA would make this happen. I need this documentation as well as in a digital format that allows me to filter and search the product.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Experian multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX and I am a victim of identity theft. I pulled my background report through XXXX and discovered that I now have an alias that I was not aware of, which links back to a roommate that I had approximately four years back. There is also now a phone number and e-mail address that links me to my old roommate that I was not aware of. 

I have filed an identity theft complaint with the FTC, as well as XXXX 's free AIG identity theft insurance. I was able to place a credit freeze on my credit reports through XXXX and XXXX, however, Equifax is not allowing me to do so. 

I called them on XX/XX/2021 and tried to place a freeze on my report. What the agent informed me is that they want me to submit a request in writing that includes a cover letter, a copy of my ID, social security card and phone number before they will consider placing a freeze on my report. 

I tried to place a freeze online after speaking to the agent over the phone and Equifax will not allow me to place a freeze on my report. I am uploading a screenshot of what it said after I tried to initiate that freeze online.
Consumer complaint received 2021-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

After I started sending Loanpal more than the agreed upon payment, I went from sending XXXX to XXXX. I realized they increased the amount in interest they were collecting. Loanpal informed me over the phone through their billing representative and was confirmed by the supervisor who told me to read the section e. ( XXXX  Balance ) on the contract. They are allowed to change interest based on when payments are received till when the next payment is received. This is in effect penalizing me for paying more and paying early. I would never be able to pay this loan off early or beat interest charges because of they way they are mishandling my account. In accordance with my contract they are changing me interest different than at the agreed upon rate and schedule. The contract also clear states that I have a fixed monthly interest rate as long as I pay on time and as agreed. My monthly due date is the XXXX of each month starting XXXX they receive the payments between the XXXX XXXX ( this is based on weekends and where the first of the month is as it is sent directly from my bank on the XXXX of every month ). The way they are charging me interest they are collecting as if I am making my monthly payments late. i.e. Recently between XX/XX/XXXX and XX/XX/XXXX they charged me for 37 days of interest even though both payments were received before the schedule due date was agreed upon. As I can not see payment info i.e. Principle/Interest breakdown on the website or on the Loan Statements provided to me. I only caught on because my principle was not matching the payments I was sending. Additionally their statements are also misleading from the proof that I am sending you can see their statement balance history does not match up with my payment history.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

XX/XX/21Received a letter of debt collection with 60 day period to pay or would not be reportedXX/XX/21Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reportingXX/XX/21 CONVERGENT OUTSOURCING has flagged your account as Collections onXX/XX/2021. 
XX/XX/21I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (IL)

XXXX sent me a bill. The bill was not mine and I had called XXXX claiming it was not mine. XXXX made me fill out a fraudulent report and they assured me that everything was taken care of. Months later, I have been notified that I am in collections after being assured by XXXX that everything was cleared up.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

In XXXX, I refinance my home through a XXXX XXXX recommendation for XXXX. XXXX  sold the loan in XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan to Nationstar Mortgage LLC d/b/a Mr. Cooper. This is a criminal enterprise. The private notary that closed the XXXX loan locally was aware that the loan would be sold to Mr. Cooper. I have been provided multiple loan numbers for the Mr. Cooper account. Today, XX/XX/XXXX, I was provided another number, XXXX. They are preventing from making electronic payments through XXXX  XXXX XXXX online banking. They are claiming, that they are not receiving payment. Payment, that I have proof was mailed. I called repeatedly, including on XX/XX/XXXX. During that conversation, the agent requested an email address, that was already on file with my mortgage paperwork. Since that time I have received a daily email, harassing me over one thing or another. One of the first emails was " confirmation '' of a conversation that was never had regarding homeowners insurance. My XX/XX/2021 insurance to XXXX XXXX was paid XX/XX/2021 and was a long drawn out process with XXXX. Mr. Cooper notified that it had not been paid and illegally removed funds from my escrow, double paying my XX/XX/2021 XXXX XXXX premium, underfunding my escrow, which could lead to increasing my payment. Today, I received a letter dated XX/XX/XXXX, from Mr. Cooper stating that my hazard insurance had expired and that they were purchasing insurance on my behalf and that it may be at a higher cost and provide lower coverage. Which is it? Did they pay my XXXX XXXX policy twice or were they purchasing other insurance? They are CRIMINALS! I contacted XXXX XXXX  they have refunded the overpayment of my homeowner 's insurance to me, again, this causes my escrow account to be under funded and allows Mr. Cooper to raise my payment. This company needs to be investigated and closed down.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

This is to inform that XXXX, Experian, and XXXX have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.