davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (MO)

My husband was contacted by XXXX from IQ Data International on his work phone in the middle of a work day. He then asked her to speak with me as I do the finances. XXXX then proceeded to ask him several questions regarding how much money he makes, how much money I make, the price of our mortgage. My husband repeatedly asked her to reach out to me, XXXX then put him on a hold to see if that could happen while she consulted with her manager. Her manager then threatened my husband with an evasion of debt if we didnt respond in one hour and persisted he stay on the line. My husband disconnected the call as he was in the middle of his job. I then contacted IQ Data after my husband informed me of this and was transferred to XXXX. XXXX was extremely unprofessional in her mannerisms as I asked her to verify the debt, she accused me of not changing my address upon moving. Given her tone, I asked to speak with someone else, XXXX refused to transfer me initially. It took several times of asking to speak with someone before I was finally transferred to a voice mail. I then left a voice mail stating I would be interested to discuss this with someone other than XXXX and to return my call. Nobody ever returned my call. I tried several times to contact that office throughout the day and the phone line would just disconnect.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

We were under a repayment plan 5 months ago. Only had 2 more payments to make under the repayment plan. I called to see if I could pay the regular payment instead of the full repayment plan. The representative said they could not take that payment and suggested we do a short forbearance. We requested a forbearance period in XXXX. From XXXX til XX/XX/XXXX is the forbearance. I called today XX/XX/2021 to let them know we could continue the repayment plan XX/XX/XXXX. I was told in order to restart the repayment plan we needed to pay {$7000.00} upfront and restart the payment plan for 5months. If you requested a forbearance why do they think you would have {$7000.00} available???? Is it their way of putting the house in foreclosure??? I suggested we could probably have {$3000.00} down payment but that is not enough. Our only option is to do a modification???? 
We really don't need a modification.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

I am late with my XXXX payment on account with Syncrhony Bank and they have called day and night since XX/XX/XXXX, and they called me on Sunday this week, which is a violation. The payment was {$40.00} and now they want me to pay {$100.00}.
Consumer complaint received 2022-08-17
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. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Consumer complaint received 2020-06-10
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: Advantage One Credit, LLC (FL)

Fraud for employer of XXXX  XXXX XXXX XXXX XXXX ex convict for robery cibernetic and unknown person XXXX  This persons alterate and robery this pay mounth due the one credit one make for me.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services (OH)

Centron Services Inc, also known as XXXX has failed multiple times to delete this collection item off all 3 credit bureaus. They have been advised by me that a notarized letter was sent to the original creditor on XX/XX/2021 and the original creditor stated that a notarized letter would discharge and remove the debt. XXXX thinks they are above all FCRA and government regulations and verbally stated to me that they were not removing anything. XXXX has provided me documents in the past of false documents that have a signature that does not belong to me. XXXX is also not able to verify who the debt actually belongs to. Therefore, this collections agency is subject to violations of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. please see attached correspondence.
Consumer complaint received 2020-01-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, Bank of America made changes to the fees policies on Regular Savings accounts. I recently noticed that I have been charged monthly maintenance fee ( {$5.00} ) since they made those changes. I called a representative on XX/XX/XXXX to inquire about when they sent out these changes and a representative informed me that they would not have. The only way I would have been able to know about the fees was by looking at my monthly statements. Prior to the changes, I qualified for the waiver of such fees as I made the minimum monthly transfer ( {$25.00} ) from my checking account to savings. So to go from the fees being waived to not having any notices sent out to customers about the changes, I very annoyed. When I opened my checking and saving, I opened the two accounts linked together and inquired about how I could avoid these maintenance fees and I have made sure to maintain those features that would avoid paying them. Over two years - since XX/XX/XXXX - I have been charged these fees and did not receive any notice to inform me of the modifications they made to their structure. That is a total of {$130.00} in monthly fees that have been applied to my account. 

I spoke to another representative also on XX/XX/XXXX about my savings account, which when I opened was linked to my checking account. According to the new Regular Savings fee policy, one way to avoid the monthly fees was by having the Regular Savings linked to a Bank of America Interest Checking account, which I did have. But the other representative informed me that my savings account was not linked to my checking, which was not the case when I opened it. I initially did not want to open a savings account with Bank of America as I had concerns about these fees ; however, a financial professional informed me that there are ways to avoid them in addition to linking the account to my checking. After being informed of the policies and how I could open the savings account LINKED TOGETHER with my checking, I obliged. Come to find out from the representative I spoke with that my saving account was never linked to my checking account. I specifically opened both my savings and checking together and had the save-as-you-go feature, which takes change from my checking to savings for each debit transaction. I am not exactly sure what other changes were made to my accounts that separated them or not have then associated.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (GA)

XX/XX/2022 I was unable to locate a toll free number to contact LexisNexis via their website. According to [ 15 U.S.C 1681 ] 604 ( 5 ) ( B ) Establishment and maintenance as compliance. This section addresses consumer reporting agencies and affiliates compliance with maintaining a toll-free number for consumers to contact. 

Thanks for your attention on this matter.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

REGARDING : XXXXXXXX XXXX for an alleged balance of XXXX ( or approximately ) This merchant has promised to investigate and correct this incorrect reporting. 

I provided my account information details along with the {$0.00} balance as well as having made a phone call and speaking to representatives by phone and then providing this information to Experian Credit services as well as XXXX and XXXX. Experian sent me a generic response and ignored the information I provided to show that a late/Delinquent amount of {$28.00} was being reported increasingly late with each passing month. Experian disregarded the information I provided in favor of this merchant despite having been provided actual documents contradicting the incorrect reporting. No such investigation was performed where someone actually took the time to look at the ancillary information in order to perform an actual investigation as promised and as promised by law. Simply, a effortless response was generated by someone who didn't care and only cared about making their job as easy and painless as possible while I was deprived of my rights under this instance. Consequently, my credit score has been impacted after a long time showing and reflecting a good responsible payment history. At minimum, the benefit of the doubt where provided should have been in my favor but yet was given to a corporation which suffers no loss in this case and is entirely unaffected. Over the past few years, these Credit Reporting Bureaus have lost credibility due to this very behavior and have promised publicly to improve but as observed here- makes no effort whatsoever. I am requesting action against this credit bureau and respectfully requesting compensation for this negligence. I am also considering legal action apart from this complaint. Thank you in advance.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (GA)

A company by the name of Midwest Recovery System has reported I owe {$550.00} from a Credit Card with XXXX XXXX XXXX I had 2-3 years  ago. I paid this account off with a settlement payment with the creditor. 
Within the last 45 days, I received a letter from a collection agency stating I owe a balance of {$550.00} to XXXX XXXX XXXX. 
I explained to this collection agency that I paid this balance. The rep stated he was contacting the company that was handling my account. I also requested a copy of my bill and someone to contact me regarding this bill. 
Since my last time talking with the collection agency 45 days ago, I haven't back from anyone since through mail or phone. 
Today a collection account appears on my credit file even though I have requested this account be reviewed and I be sent supportive documentation regarding this balance. 
This collection agency has violated the Fair Debt Collection Practices Act by not providing me with my requested documentation to prove this debt is indeed owed. They just applied to my credit file as a collection to show negative activity rather working with me to correct this debt myself. 
I haven't heard anything from the original creditor or any other agency for 2-3 years and now all of a sudden I owe money. I need proof!!!
Consumer complaint received 2024-06-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I live in North Carolina and I am havening a dispute with CapitalOne Bank which is located in XXXX Virginia. Prior to my wife passing she apples to change her account to a Trust. For some reason the transformation never took place. The only explanation that I have been given is that the submitted paperwork was incomplete. I have the original copy of the paperwork and offered to resubmit it. I was told that the policy of the bank was not change the status of the account after the owners death. That policy was appealed to the office of the President without much success. They now wish me to go through probate r to settle the account. This is going to involve delay and expense which I think through improper conduct on their part. What are my options to force them to reconsider?
Consumer complaint received 2022-10-04
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2020-06-10
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: SYNCHRONY FINANCIAL (MA)

I review my report and I saw this account reported inaccurately. XXXX and XXXX late on XX/XX/2018 and XXXX is late on XX/XX/2018. I don't remember being late on this account cause I always paid on time. Please help.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

This is second CFPB complaint against this creditor. Purchased vehicle new XX/XX/XXXX. Consumer was a payment behind on mortgage and turned down by my bank. Dealer suggested approval with this lender to save the sale. Advised consumer to keep payment history good for 12 months and then refinance out of this high-rate loan. 

Consumer contacted lender to change due date from XXXX to XX/XX/XXXX. In order to refinance payments were made on time and extra payments made towards principal from XX/XX/XXXX to XX/XX/XXXX. 

Consumer made payments on bi-monthly schedule that corresponded with payroll. Lenders accounting system is unable to handle the partial payments and misapplied them. Bill is always in arrears and no idea where extra payments are applied. 

Consumer requested an audit of account XX/XX/XXXX. Consumer credited for extra payment for XX/XX/XXXX. For XX/XX/XXXX, lender states account is past due after the audit. Lender states a payment for XX/XX/XXXX was not received. However, lender reported to XXXX, XXXX, and XXXX  that consumer 's account has been paid as agreed from XX/XX/XXXX through XX/XX/XXXX. Account was never late. Therefore, the alleged " missing '' payment for XX/XX/XXXX, was not reported to credit bureaus as late. 

Consumer expects that payments were not applied properly due to deficiency in lender 's accounting system that does not support partial payments. Consumer also suspects that this lender consumed extra payments in fees. 

Consumer has maintained a stellar payment history with this lender. Although extra payments were made for the majority of the servicing period, consumer is unable to impact the principal balance in order to refinance. This is a good consumer in a bad loan and the lender wants to keep it that way.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed incorrect information contained in my credit report in a letter dated XX/XX/XXXX to your company and to the creditor on XX/XX/XXXX ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. XXXX has since removed this inaccurate account since XXXX was not able to verify it even after my dispute letter. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to say that this account will be removed in 5 days or I will proceed with legal action. Attached is the dispute letters dated and time stamped. I have also included an updated copy of my XXXX report showing that the account was removed between XXXX and XXXX of XXXX.
Consumer complaint received 2020-01-01
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. (MD)

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX{$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX  Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX - CARD SERVICE Inquiry :XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2020-01-01
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. (MD)

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX CARD Inquiry : XX/XX/XXXX
Consumer complaint received 2020-01-01
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. (MD)

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XXXX XXXX, XXXX {$10000.00} XXXX XXXX CU Opened : XXXX XXXX, XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NC)

I applied for XXXX XXXX XXXX loan forgiveness and my edfinancial accounts should be closed as they were sold to XXXX. My edfinancial loans are still showing on my credit reports which means my loans were duplicated and showing incorrect information. I have no more loans with edfinancial. My loans were sold and consolidated into XXXX at XXXX