davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Armada Corp. (WA)

I am trying to clear up my credit, I called to pay off the principle of my debt and asked if I could make a payment to pay off the balance less then interest, I was advised they could not waive the interest and I then requested to just pay off the principle today to stop accruing the interest on the accounts and I would call back at a later time to discuss the interest or contact the client directly about the interest accrued. They told me that if I paid on the account to day and it wasn't the full amount they are asking for then they could not promise I would pay off my assigned balance but that they " sprinkle '' payments towards interest and principle. 

I called the company that originated the debt from and they refused to take my payment of principle over the phone. They advised me that when they forward to collections you have to work with them only. I asked, what if I mail in a payment are you going to return my check to me? They responded that if you mail it in then they will actually post to the account.
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (TX)

Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ). 

Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate. 

A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %. 

A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate. 

I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.
Consumer complaint received 2024-02-05
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. (GA)

This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (NY)

I was shocked when reviewing my credit report and found a late payment on the following date : 30 days late as of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-09-11
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: STERLING JEWELERS, INC. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2022-07-23
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. (CA)

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXXXXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (PA)

I have been in a debt consolidation company for the last year and a half and have been paying this company through the debt consolidation company I have been paying XXXX a month to pay off the balance and only owe XXXX left which they initially agreed upon now they sent me to collections and are trying to make me pay the full balance which I already been paying down only owe XXXX. This does not seem right it seems fraudulent to me please help
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (NV)

Originally there are four payday loans that were originated at XXXX XXXX in XXXX XXXX. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a Recovery Services company called XXXX XXXX in XXXX XXXX. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at XXXX XXXX to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  and Experian is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to XXXX  and Experian to fix this issue as I have tried many times myself already with no results.
Consumer complaint received 2018-05-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

First complaint XXXX Now complaining again! Called XX/XX/XXXX talked to a loss mitigation representative, said loan was under ASSUMPTION since not dead can not assume, was told this last XX/XX/XXXX,  have letters stating that and want loan modification, have askind also for copies of loan documents since XX/XX/XXXX then rep said email to a different department! received a letter dated XX/XX/XXXX that was in process! but nothing! RESPA stats have right to receive all signed copies of loan documents and in california modification has to be reviewed have sent more than one time, inclosed are just some of the proof and yet know one can get the modification under review when all paperwork was faxed in a timely manner! DONT LIKE COMPLAINING but nothing gets done with this company! XXXX XXXX on LOAN -- I XXXX XXXX have POWER OF ATTORNEY AND ON TITLE! ( had to refax more than 10 times )
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX was the previous company that serviced my mortgage. In XXXX of 2017 the mortgage was transferred to Nationstar/ Mr. Cooper Mortgage , not sure why. With XXXX I had an optionally life insurance policy through XXXX  XXXX. XXXX had always paid that policy through escrow. I almost lost that policy because Mr. Cooper did not pay the policy premium and after finding out I called Mr. Cooper and the short story of the battle since XX/XX/ 2017 Mr.  Cooper said they only escrow taxes and home owners policies. I have bought two homes and had many different mortgage companies because loans get transferred, bought and sold and Mr. Cooper is the only company that has refused to escrow optional life insurance policies. How can a load be transferred to another loan company that doesn't offer the same services? Can Mr. Cooper be made to escrow this policy?
Consumer complaint received 2022-07-23
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. (CA)

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Under the FDCPA -The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p - '' The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt '' Hunter Warfield , Inc. have repeatedly REFUSED to provide legal status or verify this debt despite repeated requests. 
I moved out of XXXX XXXX XXXX after refusing to be strong-armed into paying an additional {$600.00} in " Late Fees '' as it was not in my legal lease ( copy of the lease is still in my possession ). I have written XXXX XXXX who continues to state they have no knowledge of the amount that is being pursued on their behalf by Hunter Warfield.

When redirected to Hunter Warfield, they are consistently refusing to remove the debt while violating the FDCPA by NOT BEING ABLE TO PROVIDE " details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent or any legal documentation that I owe this debt. '' In addition, they have yet to forward details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
Lastly, since they are contacting me from outside my state they have not provided the licensing information from their state. In reading reviews across the web, denial and deflecting are their trademark behaviors. They do not provide proof as they do not have any legal legitimate proof of the debts for which they are collecting. It is their business practice to strong arm consumers into paying debt for amounts they clearly do not owe. 

It is time to stop this unlawful practice and hold Hunter Wakefield accountable. 
Thank you!
Consumer complaint received 2022-01-19
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. (MA)

I have tried several times to get these fraudulent accounts off my report with no avail. Sent out verification letters and all them send back is a copy of my report with no deletions or verifiable info. I would like to get the following items removed from my report and from there site completely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I've sent atleast 3 certified letters to Portfolio Recovery in regards to an account that mysteriously showed up on my credit report. They never sent me a letter to be able to dispute debt. When they did call me in XXXX, I quickly asked them to send me a letter in regards to their debt collection. When I discovered this collection on my credit report, I was shocked to find that the open date of XX/XX/2019 since which is well past the window of which I can lawfully dispute the debt with a collection company. Starting in XXXX, I quickly sent them validation letters and have been sending them a letter once a month ever since. They have never sent me any validation despite me sending certified letters with proof that they received them. I attached my last letter sent to them via certified return receipt.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for XXXX reward points. I had a RSVP code of XXXX XXXX XXXX XXXX and a call in code of XXXX. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they can not find a copy of the letter that they sent me with that offer code. thankfully I have it ( and uploaded it and the name of the rep I spoke with and their extension number ) that links that code to me. This is unacceptable. Clearly a bait and switch. I remember seeing online the promotion for XXXX points if you upgraded as well. It should NEVER take 8 weeks for them to fix their mistake and four calls to supervisors to inquire as to the status and to fix their mistake. 

There are dozens of similar stories online about reward points just magically never getting credited to peoples accounts and the struggle with Amex to get it fixed. Someone needs to hold this company accountable for their business practices.
Consumer complaint received 2022-07-23
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: FISERV INC. (IN)

These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! 

By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IS A FURNISHER of information to a consumer reporting agency. 

Therefore they are prohibited to furnish inaccurate information.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has made it impossible for me to freeze my credit. I created a new account, but when I log in I simply see a message that says " Identity Verification Failed : Failed safety check. '' TransUnion 's website provides no information about how to correct this problem. TransUnion 's website didn't ask me to do anything to verify my identity, so the issue must be due to some kind of automated check TransUnion runs out of site.

I have a right to a credit freeze, so TransUnion has an obligation to let me set one.