davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (VA)

I, XXXX XXXX XXXX, have received post correspondence from Great Lakes regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Consumer complaint received 2021-08-31
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. (AL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - The truth and lending act and 15 US Code 1681 - Bankruptcy Law. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX, transunion refuse to correct info on my report even though it is paid in full. I have email confirmation
Consumer complaint received 2021-08-31
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: ARVEST BANK GROUP, INC. (CA)

We made timely electronic payments through Arvest Central Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

ProCollect, Inc. has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered Bank of America, listed as BK OF AMER, date opened : XX/XX/2018, Status : Payment after charge off/collection were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report. 

I urge you to conduct a thorough investigation
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IA)

The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files
Consumer complaint received 2021-08-31
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. (CT)

My rights have been violated under the FCRA by equifax. 
Equifax is refusing to follow guidelines for handling my disputes fraud use on my consumer file. 
I first contacted XXXX XXXX when I received inquiry on my credit file XX/XX/2021. 
XXXX XXXX immediately closed account after confirming as fraud. 
I began first dispute with equifax instead of verifying and removing fraud account equifax kept info on my credit file as accurate. 
I did second dispute with equifax with letter from XXXX XXXXXXXX as fraud, equifax continued to allow fraud to remain on credit file as accurate.
Consumer complaint received 2021-08-31
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: Great American Finance Co (FL)

This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status and provide me with the date of the last activity for this account.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

My father and I ( his son ) are applying for a mortgage with Chase Bank to purchase a XXXX XXXX  property. We sent in the documentation that was requested by Chase Bank in early XX/XX/2021 and we did not get a response to any of our questions or a status update until XX/XX/2021 which caused us to miss our mortgage approval date requirement by the seller. There have been multiple occasions Chase Bank requested documentation that was already submitted or requested documentation that should have been listed on the initial documentation request. This is delaying the entire process which forces me to pay for unnecessary items ( Property Insurance, Title Insurance, etc.. ) that I will not recover. I have been involved with multiple mortgages through a variety of banks and this is by far the worst experience I have had. The delay of the mortgage closure is preventing me from making future financial decisions and is increasing the risk of the seller withdrawing from deal.
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MS)

XX/XX/XXXX received call from a ace collection person who failed to identify himself and refused to send legitimate documents to my post office box for this loan that he said i owes since XXXX. He went on to say that he will be contacting my employers and relatives and shared the details of the debt.
Consumer complaint received 2021-08-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX Physically signed a letter with the apartment complex itemizing what I was paying for which included a garage. This was for a short-term lease ( 9 months ) XXXX Apartment sold and under new management XXXX XXXX Moved out of an apartment after paying for the full month back in XXXX XXXX Email response to the new management to their claim that I owed an additional {$380.00} XXXX Notified by National Credit Systems that the alleged debt is now under collections XXXX Letter to NCS regarding their information appears fraudulent and I disputed its accuracy. That agreement showed no garage was being rented. 
XXXX Notified by XXXX  that they are reporting this ( disputed ) collection in my credit report. 
XXXX Talked to XXXX  about this disputed issue being reported. I was told they blindly accept any agency 's claim as being truthful and accurate. They bare no responsibility to even ask if claim is disputed. 

My attempts to talk to NCS about results in the same way, they ask if I am going to pay or not. I told them " no it is a disputed claim '' and they immediately hang up. They refuse to listen as to why. In my opinion NCS is using the credit reporting agency as leverage to force payment ( bullying ). And XXXX  has no idea what records the agency is withholding from them such as the consumer is disputing this claim. They blindly trust the agencies as the claim is both accurate and not contested.

ALL Credit Reporting Agency 's must take a simple step to ensure the claim being reported to them is not being contested by the consumer by simply asking that very question. Truth and Accuracy matter.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NY)

I open my XXXX  XXXX card bank in XXXX they are saying i open in XXXX under the fdcap it is more then 7 years old the account and needs to be removed they have never sent me any proof that the account is from XXXX they have force up date the system to be that date when i contact the debt collector it even plays a message telling me this account is 7 years old and can no longer be collected on i would like it removed from my credit report or i will file a law suit
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX, Experian member ID XXXX. I had an auto loan with XXXX XXXX XXXX for 3 years, in XX/XX/XXXX I paid off the balance of {$19000.00} and they also remove 2 late payments from XXXX and XX/XX/XXXX off my report. Despite all of those positive factors, my FICO score 8 and FICO score 2, remained the same! What possible logical explanation would justify that? You can tell me theres multiple factors that impacts someones score, but if I pay off a car loan I had for 3 years, and had 2 late payments removed, while maintaining my credit utilization low on my other cards - theres no reason why my credit score would remain stagnant with no change. 

This situation amongst a lot of other issues Ive had in the past with Experian leads me to believe the scoring model is discriminatory, selective and inaccurate. I need a full investigation as to why my scores did not change after paying off my auto loan and had 2 late payments removed. Im also unable to file online dispute.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

Debt Collection Company is Transworld Systems Inc. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have called several times about a debt that isn't mine. 

The Debt is apparently for some apartment application fee for apartments in California for a XXXX XXXX  apartment complex. I have lived in Utah my whole life and have never even considered living in California. The debt is for a small amount like {$81.00}. The Creditor calling me had a strong accent like they were from a call floor in a different country. They started asking for personal information. I gave them my Bday to verify the account and then I told them I didn't feel comfortable giving them more information. I don't them several times the debt was not mine and they said they would mail out proof. They never sent me any proof and now have reported it to the credit bureau. XXXX   has removed them but the other credit reports still are taking their time to process the dispute. I search for reviews only and this company has a history of claiming fake debts to try to scam consumers.
Consumer complaint received 2021-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

I have already provided the documentation of removing the registration from the car in question. On XX/XX/XXXX we removed the registration of the car with the DMV. Which relieves us from the tittle of the car. We had sold the Car in XXXX of XXXX to XXXX XXXX who bought the car for {$200.00}. We are not responsible for this car. XXXX had towed the car from our home. He claimed to be a mechanic. Then in XX/XX/XXXX we are notified that the car was found abandoned. We have no ties with the car. We removed the registration that clears our name as well as remove the license plates and the insurance. We have made it clear to Outsource Receivables Management that the car was sold and is not in our precession since late XXXX of XXXX. The police officer informed us on XX/XX/XXXX there was nothing else we needed to do since we had done everything we needed and more. He confirmed we had removed the registration from the car. We are not responsible for the car being abandoned and towed.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX XXXX talked with Bank of America customer service, Escrow account service. Received letter from B of A 1 required minimum balance XXXX.since XXXX up to XXXX, when escrow is short ( Insurance & Property tax mortgage payments increase each year to cover shortage, where is the XXXX and when is it utilized? I was forced to have escrow XXXX. I owed property tax XXXX. B of A demanded mortgage payment to include XXXX & XXXX property tax & insurance for the year, XXXX to be paid immediately, the total was over XXXX. 
XXXX B of A has not acknowledged payment of XXXX taxes increased amount or XXXX County has not sent a bill to show amount paid. I paid increase amount of Insurance and B of A sent total amount anyway and Insurance company send me a refund. 
Required minimum balance was not required, because XXXX with escrow accounting put in a request for me that XXXX is, was no longer required. It was approved. 
I paid the amount that would cover shortages for escrow. XX/XX/XXXX I paid XXXX. I have made these payments and B of A has not added them into the Escrow account or given me credit to keep the mortgage payment. This is the 2nd year I have made payments. The new payment for XXXX is XXXX giving no credit for these payments. 
I changed insurance company 's B of A paid both of them sending the computer figures back to an increase mortgage payment because escrow was short. 
MY COMPLAINT MORTGAGE PAYMENTS SHOULD NOT INCREASE, no required minimum bal. .Also B of A has not sent me any monies my escrow account closed XXXX with a bal of XXXX and the payment deductions are inconsistent. 
XXXX XXXX XXXX XXXX XXXX XXXX B of A has not sent letters acknowledging the dismissal of required minimum bal, or a letter to XXXX county about the payments of tax increase.
Consumer complaint received 2021-08-31
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 (NJ)

I opened my PayPal account towards the end of last year after reading online that they were great if you like online gambling. This proved to be true as I regularly used the account to make deposits and withdrawals to my casinos accounts easily and quickly. 

As well as funding my online gaming accounts, I use the account to send money to friends and also to withdraw funds to my bank account. A bank account that I have linked and verified with the PayPal account. 

I have used PayPal the account several times a week for the past few months without issue, until last week when I received an email stating they have limited all the features of my account. I received the email on XX/XX/25. To regain full access they requested a bank statement and an explanation of the transactions. I did not think much of this as I imagine I utilize the account more than most, and it's fair that they would run some checks every now and then. I responded the following day giving an explanation of what I use the account for and my bank statement from XXXX. 

The following day I received an email stating that I have two options. One, to refund my customers their money and have my account closed. Or two, to have my money frozen for 180 days and my account closed! I have no idea what is going on. I do not have customers and have never sold any goods or services. I informed PayPal of this but they still accused me of doing so. 

I replied to their email last week explaining the situation again, but they have ignored me and not responded. 

The balance of my account is {$31000.00} and I can't lose access to my money. I have not broken any of their rules and I don't know why they're not listening to me. 

Your assistance with this will be greatly appreciated because I don't know what to do and I don't believe they have the right to seize my money.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There were fraudulent charges made on this account. I contacted this company several times regarding fraudulent charges made to my account. Capital One has neglected to dispute and remove the fraudulent charges on my behalf. I reported my card as stolen and disputed several transactions from the previous statement. I have disputed with the credit reporting agencies and this account should have a {$0.00} balance and be paid in full.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (MA)

For the past 2 years, Gregory Funding, my mortgage collector has not made timely payments on my property taxes resulting in interest charges and fees. My City is demanding payment for these fees or I will have a tax lien against my home. I have reached out to them via phone and there is a 2+ hour wait. I sent an email through their Contact Us form and no response. I submitted the bill via an email I had previously with a tax issue and no response. These fees need to be paid by them, not out of my escrow as I did not create this problem. They are causing un-needed stress and financial problems for me.
Consumer complaint received 2021-08-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TX)

Lockhart, Morris & Montgomery , Inc. has been harassing me about a debt that I do not owe via telephone and mail. I have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.