davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid XXXX I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTEGRITY CREDIT CORPORATION (CA)

I did buy a home and get the loan, but the brokers do for me the process, they treat me very bad, I live in XXXX  XXXX XXXX, and buy the second home in XXXX XXXX, a second home and investment, the process is supposed take around 3 weeks or 4 to closing the buy, the make me do two time extensions and the second one I should pay because they do many mistakes with the application, actually they make me go to XXXX first time to make the closing house and when I was there they told me all papers not ready yet and I just back to XXXX  with not closing and for nothing, after two weeks they told me everything is ready this time and I went to XXXX for second time, And when I was there again told me some papers not yet that they do a mistake and again back to XXXX  with not closing, we do closing from XXXX  with a notary, but Im still very upset for everything they do for me, all I should pay and they didnt care anything from me, even I was trying be educated they didnt, make me had a lot stress for almost two months and make me waisted money and time. Hope you can help me to make this people dont do this again to anyone, they never treat me like a customer even they make money from me. Thanks
Consumer complaint received 2021-08-11
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: ALLY FINANCIAL INC. (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-10
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 (WA)

I opened my store under XXXX and had PayPal as a form of payment on Friday. After completing 5 sales, they decided to permanently restrict my account without any notice or how it violates their user agreement. 

I called customer service twice. The first person I spoke to said he could help lift the restriction if I sent my photo ID to the company which I did. Afterward, I received a message from PayPal saying the permanent restriction is final. 

I decided to give another call to customer support and when I explained to her I had 5 sales for selling stickers and keychains, she told me nothing can be done about the restriction and I can no longer use their platform. I can't even make a new account or transfers the remaining funds to my bank account at all.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

The servicer on my loan was transferred twice between XXXX and XX/XX/XXXX. Before any transfer took place, my loan was through XXXX/XXXX  and the type was conventional without PMI. The modification is on file for taking place in XX/XX/XXXX. This information also corresponds with my documents, the FHA database, and my credit report. Though I made this immediately clear to Shellpoint/NewRez and the investor known as " XXXX XXXX XXXX XXXX XXXX '', they have refused to acknowledge and correct their/the error. Instead they're rude, judgemental, with condensending behavior that act as if companies can not make errors. I've sent all documents including an email directly from the loan Originator stating the way the loan was sold. I've called, emailed, faxed the information twice but they have refused to make any corrections or even reach out. I have about 50 % equity in the home and a conventional loan and wish to not have an Escrow account. My payment was adjusted by them including a XXXX escrow payment for this month ; making payment over XXXX for a 30 year with only XXXX in principal. I immediately need the company to identify the error, correct the error, remove dangerous escrow account, correct payment amount and refund my money ; therefore allowing safe funds in a interest gaining account.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (TN)

I called all of my credit card companies including this one, to let them know of a financial hardship that myself and my XXXX son are going through as a result of the XXXX pandemic and directly related to positive results that we had earlier in the year which lead to loss of income I asked about credit protection program or for parents programs that they offered due to Covid pandemic and that was told that they have no options to offer me for our situation when Im a XXXX XXXX that has been unemployed as a result of XXXX starting from XX/XX/2021. Other credit card companies were at least one offer off the credit program that they didnt. All of my creditors including my credit card companies were notified of my hardship and financial situation even before my job loss that occurred on XX/XX/XXXX and also after. There should be no missed payment reported on my credit report after XX/XX/2021 From any creditor.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank holds the credit cards for XXXX XXXX, XXXX, and a number of other stores. They need to make it easier for a consumer to file a complaint, research returns as well as speak with a customer service rep. You should not have to start hitting numbers to speak to someone. You should be able to chose a customer service rep, a refund disbute rep, etc. You also email erroneous information as a response to a missing refund see below, the number did not direct me to who I needed to discuss the issue with. Finally why does it take longer than 7 business days to be credited for a refund. This behavior is not acceptible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 Account Ending In : XXXX Dispute ID : Thank you for contacting us about a purchase on your account. 
Dear XXXX XXXX, Were Comenity Bank and we handle everything credit-related to your XXXX XXXX credit card account. 
You recently asked for help understanding a specific purchase. 
Comenity Bank does not have detailed transaction information in reference to your purchase. For assistance with your transaction, please contact the service provider in which the purchase was made. 
Were sorry were unable to fulfill your request. 
We truly value your business and we apologize for any inconvenience. If you have questions about this, please contact us at XXXX ( TDD/TTY : XXXX ). 
Sincerely, Customer
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (MN)

This Cavalry collections company forced my XXXX   roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.
Consumer complaint received 2021-08-11
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)

My name is XXXX XXXX and I am a former customer of XXXX XXXX. In XXXX, I purchased a home using XXXX as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed XXXX of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided XXXX with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at XXXX and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for XXXX. I filed a complaint with Equifax Credit Reporting and they advised that XXXX confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I received a call and voicemail from an unknown number. The message left regarded a civil suit and charges pressed against me along with a case reference number. I returned the call with the case reference number and was told that a judgement was about to be placed on my credit for 10 years and wages garnished from my employer. The collector knew the name of my employer. The debt had been from Capital One in XXXX. The representative XXXX XXXX told me that the account had closed in XXXX with a balance of XXXX but with legal fees they were attempting to collect over XXXX through wage garnishment or I could make a plea to settle. After being placed on hold several times i was told that I could settle out the original debt without wage garnishment or a judgement against my credit. Suspicious of fraudulent activity I asked for credentials. The representative sent me to a website XXXX had me click on the business tab and type in XXXXXXXX XXXX XXXX. The address was in XXXX California which the representative was able to verify. When I asked why I hadnt received anything in the mail he said there was an attempt to serve me at my address from 10+ years ago that had failed. I asked for further documentation to include the paperwork for serving and an itemized report and the man told me that those items are inaccessible because they are in a discovery file and I would only be able to see those if I go to court. I then asked why this is the fist time I am hearing about this at my phone number and nothing has been sent to my current address. The representatives response was that they had to be granted access to my updated personal information from a magistrate. I attempted to settle the debt by agreement via emailed docu sign and providing the representative my credit card information. My credit card was denied twice for suspicious activity. So, I provided another credit card number and it was also denied for fraudulent activity. The representative told me Id have to call the back of my card and approve the transaction and call him back to settle things out. I did so. I received a receipt and what appears like an official legal document that includes my old capital one account number and the amount Id settled for. However, the docu-sign drafts were addressed to a XXXX XXXX and the charge on my credit card was not to XXXXXXXX XXXX XXXX  instead bookkeeping accounting. Im very concerned about the information I provided this person, the amount of information the person had about me, the fact that my credit cards flagged the charges for fraud, and the attempted debt collection through wage garnishment without documentation provided to me.
Consumer complaint received 2021-08-11
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. (DE)

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$3000.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$2200.00} XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX LLC-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX-Balance : $ 117-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XXXX XXXX, XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Creditors Service, llc (WA)

Hello, Cascade Credit Services located in XXXX WA reported to my credit report in XXXX a debt of over {$45000.00}. I contacted them and disputed the charges from a previous landlord. The landlord never went to a court of law to enforce the balance he was initially claiming and I do not owe this debt. This collection agency said the debt was valid and sent over a handwritten piece of paper with a summary of charges from my old landlord, which wasn't acceptable. I asked for every receipt, invoice, and any other supporting documents to justify {$45000.00}. 

I was in communications with XXXX from Cascade collection services and after I requested those documents I did not hear back from him. I finally received an email from my old landlord 's representative and she had told me they were modifying what I owed. My old landlord had initially filed a fraudulent bill of charges to this agency and even after my landlord and his agent modified it down 75 % this company Is still reporting the " debt '', now what remains is a past due rent balance from XXXX XXXX XXXX XXXX rent, but was left unemployed due to covid and my old landlord knew that. 

My landlord had told me in XXXX that he's sympathetic to my situation but will need to sell the home, so I moved out. My old landlord has never gone to court to recoup the balance -- because he legally can not until XX/XX/2021. I have suffered extreme hardship these 3 months due to that {$45000.00} being on my credit report. I want this collection agency to cease fraudulent collection until a court of law can rule on any balances owed. This collection agency is also charging me interest and I have signed no paperwork authorizing that. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-08-11
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. (NC)

I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to XXXX, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Consumer complaint received 2021-08-05
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. (TX)

To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX  XXXX  ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616.
Consumer complaint received 2023-08-21
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. (FL)

XXXX XXXX LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC (MA)

I had my consumer right violated. I had sent an Affidavit of Truth and cease and desist letter to Recovery Solutions group LLC. I have attached the cease and desist. It's been 30 days and they haven't responded to my affidavit of Truth. They have called after receiving my cease and desist. I also attached the invoice they sent me which violated my federally protected consumer rights. I attached the screen shot that my affidavit of Truth and cease and desist letter was received by them via certified mail and they still insisted on calling me and leaving voicemails. They also contacted my family members. I have attached proof of how they violated my consumer rights.
Consumer complaint received 2021-08-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (NC)

Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$14000.00} To Whom it May Concern, Navients attempt to validate your claim is vague and insufficient and the documentation that has was submitted is vague and lacking competence. 

Wet ink copies of statements or application bearing my signature were NOT provided. 

Proof of a contractual agreement with bearing my signature was NOT provided. 

Navients computer screen print outs submitted are vague, lack competence and are therefore unacceptable. 

Navients attempt to validate this claim is therefore unsatisfactory. 

Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of XXXX in their question to damage my credit standing. XXXX retaliatory tactics for filing a complaint against XXXX  with the North Carolina Office of Financial Regulation. 
Furthermore, due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you. 

I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth. 



Sincerely, XXXX XXXX CC : XXXX XXXX XXXX