davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (ID)

There was a small loans dispute that I entered into with XXXX XXXX/XXXX  XXXX, it ended up going to mediation and I have the decree that states " All parties have agreed to fully resolve all issues and release each other from all claims ''. 
I have shown the collections company this mediation document and they refuse to remove it off my credit. 
The collections name is US collections west They are requesting {$930.00}. 
Contact information for them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please contact me if you need to view this court document.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-07-25
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: Experian Information Solutions Inc. (TN)

XXXX allows XXXX XXXX to take out two loans in my name and my dad 's name without our consent. XXXX XXXX tried to get me to agree to a loan over the phone, and I told them no that I do not consent and to not process the loan. The woman told me she was going to fill out the loans anyway, and I called XXXX to try to stop it. XXXX processed loans without our signature or authorization. I did everything I could do to prevent the loan, and I have been fighting it for 13 years. XXXX also lied to get payments about who they were. XXXX  acts like they are going to investigate an issue, but they just respond to companies that they will work with the parties and leaves the information the same. XXXX illegally allowed a college to take out as many loans as possible using my name and dad 's when I was XXXX trying to take advantage of us. XXXX College failed to also put the correct amount of funds they received on the account. XXXX took out XXXX in loans in my name and dad 's through XXXX, and XXXX received XXXX in federal loans and pell from my account. The total cost for my education was XXXX. They owed me money and took my FAFSA and tax papers to fill out the loans. XXXX college 's statements do not acknowledge the amount of money they received from federal aid and federal Pell grants. I have the documents, and I have tried for years to get the issue resolved, and tried to prevent it. XXXX and XXXX worked together to do this. Avoid XXXX and XXXX University college.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (PA)

On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. 

This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
Consumer complaint received 2021-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (PA)

On XX/XX/XXXX we reached out to XXXX XXXX from a real estate agent referral. On XX/XX/XXXX we provided a conditional approval ( documented in letters and texts ). On XX/XX/XXXX, those conditions were met. Documents provided to Mr. XXXX. After complaining to Mutual of Omaha about his questionable practices, he runs a second credit check without our permission. Both my wife and I received credit notifications of doing so. Mr. XXXX on XX/XX/XXXX confirms he did so via text message.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I had a account with Synchrony Car Care for a gas card, I had stop using their card for about a month and they closed the account and it affected my credit score and claims that I owe them money I had sent them a debt validation letter and they did not respond after 30 days. By law since they did not reply this item must be removed from my credit report. Attached is the proof of the certified mail sent to them, the first request of debt validation sent and affidavit of truth that was sent on XX/XX/2021 listing violation made by Synchrony Car Care. Please have this removed from my report.
Consumer complaint received 2021-07-24
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. (TX)

Experian, and XXXX  are reporting XXXX XXXX XXXX as a duplicate account 7 times on my credit report! That is a clear FCRA violation and they refuse to investigate for accuracy and it's hurting my credit rating!
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent several disputes to experian about my personal information on my credit file, the bureau refuses to do a proper investigation and I have sent the bureau experian I current license and my most recent internet bill statement they do not want to remove addresses and names that are mine.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

This 3rd party collection reporting company AMSHER COLLECTION SERVICES INC will not Delete this account from my credit report after its paid in full. Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it!
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to open an account with Capital One bank. They said they could not open the account because of information they received from XXXX XXXX XXXX XXXX. I requested and received a copy of my consumer file and there is no information that is negative. I am attaching this file. There is nothing on this file that would prevent Capital one from opening an account for me. I am XXXX years old and on a fixed income. I wanted a regular checking account. Its a shame how disgraceful Capital One treats poor senior citizens, There is absolutely nothing in this report that would prevent Capital One from opening my account. If I was rich they would have opened it. I wonder if their mothers know how shameful they treat poor senior citizens. I want to know why Capital One declined to open my account based on information they allege is in this report. The only thing in the report is 2 different E-mails. I am sure I am not the only American to use 2 different E-mails. Not that's its any of Capital ones business but one of those E-mail accounts I share with my son. I have a hard time seeing on the computer and he helps me with that. He has respect for senior citizens unlike Capital One. I can not include an account number because the account was never opened.
Consumer complaint received 2021-07-24
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. (DC)

I filed for this problem against XXXX  but now I see that its on XXXX  and Experian. On XX/XX/XXXX during a doctors visit for my eyes was declared legally XXXX. I was told by the eye doctor I could not drive anymore. Having a car still under finance by XXXX XXXX XXXX. What am I supposed to do. I reached out and contacted XXXX XXXX XXXX  and informed them I was not allowed to drive anymore. XXXXXXXX XXXX XXXX advised me I could do a self surrender of my car to XXXX XXXX XXXX. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXXXXXX XXXX XXXX gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX XXXX several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, XXXX, and Experian get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I cant drive anymore because Im legally XXXX. I called XXXX XXXX XXXX XX/XX/XXXX to confirm it was a surrender. XXXX XXXX  said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX XXXX XXXX is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX XXXX XXXX. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test to drive. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able to drive anymore. So if get XXXX  thats my fault too?
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (NJ)

I received an alleged Delinquent Parking Violations Debt Notice from ARS National Services Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX. Phone : XXXX. The alleged pertinent information is as follows : Claim of : XXXX Dept of Finance. Case # : XXXX ARS Reference No:XXXX Total Amount Due : {$230.00} as of XX/XX/2021. Letter date : XX/XX/2021 It states to reply within 30 days to dispute. I received the letter on XX/XX/2021. Obviously this is a bad business practice and needs further regulation and oversight. Permission to publish this is granted.
Consumer complaint received 2021-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I have disputed the below listed items several times to no avail. On XX/XX/2021 I called XXXX  to get clarification on how theyve continually validated these debts when the creditors wont even respond to the letters I sent them as a consumer. I asked XXXX  representative XXXX if the below listed companies provided XXXX  with proof that the accounts belonged to me to which he responded no. I then asked if they have not provided proof that the accounts belonged to me why they weren't deleted to which he responded that it was my responsibility to follow up with the companies to get validation which is not correct. I hung up & called back & I was transferred to XXXX  who works in the fraud department & I asked her the same question, how do these debts keep coming back verified & validated if the companies wont respond to my certified letters to which she stated that XXXX  submitted a dispute and the companies simply sent back a letter stating to leave the accounts on my report so XXXX  continued to report this negative information which is severely damaging to my reputation. I asked again, So these companies haven't supplied you with a contract with my signature or any documentation proving that I signed up for these accounts? To which XXXX  responded No and when I asked that they provide me with the documentation XXXX  received to verify these accounts, I was told that XXXX  does not provide this information even though the FCRA is very clear on debt validation. This is clear and blatant evidence of willful non-compliance on XXXX part! These accounts should immediately be removed from my credit report without any further investigation because XXXX  has made it abundantly clear that they do not investigate these accounts. If thats the case anyone can report anything on anyones credit report. This is an egregious violation of my rights as a federally protected consumer. I have disputed these accounts several times with CFPB & XXXX, its time to do the right thing its clear that XXXX  has no intentions on doing so. If this is not cleared up immediately I will be seeking remedy under 15 USC 1692K. 


The following accounts need to be deleted from my consumer reports immediately : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX/XXXX  Account # XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is XXXX XXXX. My last payment to XXXX XXXX was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. 18 months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX XXXX XXXX. However I was told they will remain on report until XXXX.
Consumer complaint received 2021-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Do to my family being financially/ medically negatively impacted do to Covid-19 We requested a forbearance on XX/XX/XXXX. We were told are forbearance would end XX/XX/XXXX. We have called and ask if we can extend our forbearance out since our loan is XXXX  XXXX. We are told XXXX XXXX never noticed our Mortgage company that we are eligible for an additional two 90 day extensions totaling 18 month forbearance. 
Our mortgage company is telling us that's not true and is not extending our forbearance. 
We have emailed our point of contact and no one has returned our emails. We have called and we have been told to call back XX/XX/XXXX. We are afraid to wait to have our forbearance extended to close to the end date. We requested our current behind payments be deferred when our forbearance ihas ended regardless when it ends. We were told a deferment was not an option on our account. We needed to pay whats past do in full, apply for a repayment program were our only options! 
We are asking for our account to be evaluated for any additional qualified forbearance terms and asking that our behind payments be deferred. 

Thank you XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TX)

I was told that I was approved for a certain amount but that I would need to put down a large down payment so I gave them a {$3000.00} down payment and the finance guy said I would need to buy a {$3500.00} warranty so that the bank would be more comfortable financing me because they know their asset is protected and just in case my car needs repairs it would be covered. But I just read 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I requested services on XX/XX/2020 for telephone and internet services for a new home that I purchased. I was told that the router for the internet and the services would begin on XX/XX/2020. I did not receive service nor any equipment, I contacted XXXX, a technician was sent to my new home on XX/XX/2020 and the technician could not get any connection for service, he told me he would put a ticket in to cancel the service, I called XXXX on XX/XX/2020 and was told that the ticket was in and the account was closed. I received a bill from XXXX via the XXXX app at the end of XXXX 2020, and immediately contacted XXXX and was informed to disregard that bill, the paper bill will be {$00.00}. I now receive notification from a collection company who is trying to collect {$31.00} for services that I have never received. I contacted XXXX and each time I am transferred to the collection company. Today I went on the XXXX Chat line with their representative and I have a part of her message below ''. 
" thank you for waiting, i was able to check the account, please disregard the bill you received, no balance on this account i will create a ticket for you to stop receive bill ofr this account '' I have been getting the run around since XX/XX/2020. Please help me resolve this dispute. Thanks
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for a {$110.00} deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We have not received the {$110.00} payment deferment as promised for XX/XX/XXXX that is due by Monday, XX/XX/XXXXper XXXX Irma Relief at XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2021-07-23
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/2021 2. FIFTH THIRD XX/XX/2021