davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (SC)

My name is XXXX XXXX XXXX, a natural living and breathing woman, submitting this complaint on my behalf without any influences from any third party or its agencies. Capital Management Services , LP is violating my rights under FDCPA and the FTC- Gramm-Leach-Bliley Act by having my personal private information without my consent, contacting me without my consent, accusing me of owing an alleged debt, continuously harassing me after I told them that I didn't want to receive any communications or CORRESPONDENCE, sending me false and deceptive statements with my name and address, sending me correspondence with harassing and accusing words " Our representatives are trained to offer assistance regarding this obligation '' also stating " For payment arrangements or account inquiries, please call Capital Management Services , LP XXXX XXXX XXXX ) XXXX '', also stating " Should you wish to discuss the manner in which your account has been handled, please call ... '' I do not have an account with Capital Management Services , LP nor did I sign any contract or agreement with Capital Management. I've never had not one contact or communication with this company a day in my life and they just randomly send me a letter accusing me of an alleged debt. This company is conducting deceptive and bad business practices by not providing me with any verifiable proof of the alleged debt and continues to cause me harm by harassment, coercing, misleading and deceiving me into paying them money for something I don't owe. They are stressing me and my family, causing me emotional and mental distress damages and defaming my character.
Consumer complaint received 2024-02-17
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. (TX)

Experian, XXXX and XXXX are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth XXXX, experian and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving XXXX, experian and XXXX 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history
Consumer complaint received 2023-07-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

Previous complaint : XXXX ... .was not resolved. When I thought all was good. Account was re-opened. Sent my ID, email and current address. It stayed open maybe two weeks or so before it happened again. I firmly believe the hack was inside job. Only way to get any resolution is through email. Chime denied my dispute of returning {$400.00} of my money. If I did not have any access to my account during the the time of the hack. How in the XXXX can I use it make purchases? And why would I. I have an Android not an XXXX. 
Chime closed the checking and XXXX XXXX XXXX  Credit Card which damaged my credit without my knowledge. My balance was negative, in a Spot Me feature Chime gives as an Overdraft cushion. They knew I pay it back every pay day.
Consumer complaint received 2021-11-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sold to XXXX XX/XX/2011 and was supposed to file a release of XXXX with the bankruptcy court but did not. The current title report still shows a XXXX with Bank of American and they say it's not their problem. I can not re-finance because of this XXXX.
Consumer complaint received 2022-04-12
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. (AL)

In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, Equifax, XXXX, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NC)

I called Convergent services about a debt I owed. Once connected with an agent I could not get a straight answer about what the debt was from. Agent then asked if I had a job I said yes. Agent then responded that theyd put me on a payment plan. I declined and let the agent know I would contact XXXX directly to figure out what exactly I owed from. Agent then responded why would you do that and what am I not understanding? I let him know that I would contact XXXX and figure it all out and make a payment in the coming days. Agent stated that he would be calling me back and threatened me by saying that I better pick up or else. When I asked him to repeat himself he asked what was that so I repeated asking him to repeat himself and he disconnected our call.
Consumer complaint received 2023-10-01
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: Experian Information Solutions Inc. (VA)

A collection account was on my credit report with all 3 bureaus, it was an invalid collection that does not belong to me. I disputed it, and it was removed from all three credit bureaus. Recently, the same collection came up, but under another company name, so it was clearly bought out by another collection agency. I disputed it with Experian, however they came back and said it was invalid collection. So I disputed it again, explaining that the collection had already been removed once for being invalid and not belong to me and has now been added back again. That dispute came back listed as updated however, nothing had actually changed. This collection account is harming my credit score and does not belong to me. I have requested for a third time to dispute the collections, accuracy, and validity. I feel that Experian is not actually investigating this collection account, and is allowing this company to harm my credit erroneously. Please assist me in this matter.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (CA)

On XXXX XXXX, 2021 I had my bank XXXX XXXX XXXX XXXX electronically pay for my XXXX XXXX, 2021 payment to AFR, serviced by XXXX  XXXX. The payment was in the amount of {$3000.00}. 

My account was sold to XXXX, serviced by XXXX XXXX on XXXX XXXX, 2021 per AFR. I did not receive correspondence in the mail until after I had made this payment. All the letters came long after my payment was late even though they were dated prior. 

AFR claims XXXX XXXX, 2021 ; and at least XXXX other time around XX/XX/XXXX and XXXX, 2021 that they accepted payments on my account until XXXX XXXX, 2021. 

AFR only transferred my initial payment made to them which they show posted and cleared to their account on XXXX XXXX, 2021 which was intended to satisfy my XXXX XXXX, 2021 payment. 

XXXX XXXX, my new servicer has been contacted several times, most recently on XXXX XXXX, 2021 where XXXX XXXX from AFR and a female rep from XXXX XXXX which ended with a fourth promise from AFR to send the payment to XXXX XXXX. This time however, a the female XXXX XXXX Representative said she would note the account that AFR agrees they have received my payment intended for XX/XX/XXXX in the amount of {$3000.00}, that it had cleared my account, and that they would arrange to have it sent. 

At the beggining of XXXX I also forwarded a copy of my bank statement and the check showing it had cleared to XXXX XXXX so they could follow up with AFR. They also never did. 

My concern is, this has been said to me since the beginning of XXXX by AFR and they have done nothing about it, but make promise to do so. 

Both AFR and XXXX XXXX are reporting incorrectly. 

The payments made for my mortgage are as follows : XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my initial payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my initial payment due on XX/XX/XXXX ) Can you please help me with making AFR do the right thing and forward the payment. 

I have spoken to XXXX managers at AFR, all who promised to fix this and did not.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : # XXXX Account name : # XXXX XXXX family support 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 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of XXXX LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Consumer complaint received 2021-11-19
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: Absolute Recovery Services, LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on ABSOLUTE RECOVERY SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington was notified by XX/XX/XXXX that I lost my job with XXXX XXXX where was an XXXX, They offered a modification supported by the government to reduce the monthly payments. 
Since their payments offered were still high ( about 640.00 per month ) I continuedin communication with them to reduce the monthly payments, They rejected this during all the month of XX/XX/XXXX until I had only three days before the due date ( XX/XX/XXXX ). 
On XX/XX/XXXX I sent a check for the amount they wanted via certified mail. 
The Post Office misplaced the envelope and it took for them to deliver on XX/XX/XXXX. 
Carrington notified that I was left out of the program for non compliance. 
I argued that it was the postal service and had the green receipt to prove it. 
They said that they had to receive the check by that date and they didn't After that I submitted at least 18 Request For Mortgage Assitance packages every single one was rejected. 
They put my house for sale with a date XX/XX/XXXX I do not have the {$33000.00} whi they say I own them including legal fees I have reason to believe that they have done this with the intention to get my house.
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NY)

We looked at my XXXX  account and found that someone using my name and social security number had taken out a loan through Mariner Finance around XX/XX/20 or XXXX of this year in the amount of {$3100.00}. I called Mariner Finance, XXXX  to alert them of fraud and connected me to the fraud department. They asked me to fill this out.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. Experian claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX  claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. TransUnion won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Consumer complaint received 2021-11-19
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: Phoenix Financial Services LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on PHOENIX FINANCIAL SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-19
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00}
Consumer complaint received 2018-09-25
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: ERC (MI)

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX  XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Financed XXXX XXXX XXXX with XXXX  XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.