davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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: Ability Recovery Services, LLC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY CAPITAL ONE DENIED ME BASE OF XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY CAPITAL ONE IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My husband left me in XX/XX/XXXX. He stopped paying mortgage and trustee payments, which defaulted mortgage and XXXX XXXXXXXX bankruptcy. I filed an application with the XXXX  XXXX XXXX in XX/XX/XXXX prior which is still currently pending. The mortgage company XXXX XXXX and their attorneys and the XXXX XXXX XXXX are aware of the application and are still proceeding with the auction sale on XX/XX/XXXX.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (GA)

I have sent multiple dispute letters to experian asking for proof and validation that collection accounts belong to me. I have not received any of the info I asked for per the fair credit reporting act!! They will not provide me with proof of these collection accounts, only a generic letter stating they have verified the accounts. Please help me dispute these accounts and get the info I have asked for from Experian
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from TRANSUNION, XXXX, AND XXXX. So on the XXXX of XXXX.,2020, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (GA)

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : Ally bank is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. Ally bank has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. Ally bank NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

Ally bank AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-06-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

in XX/XX/2014 ford motor called me on the 31 first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with ford ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

I had a XXXX  XXXX XXXX XXXX credit card with rewards. My reward total was XXXX points when XXXX credit card took over the XXXX cards from XXXX  XXXX XXXX in XX/XX/2022. In the information about the new card, member rewards were to transfer to XXXX. The points are worth {$2400.00} in cash. I have attached the last statement from XXXX XXXX XXXX, and the first statement from XXXX. My reward points were missing from XXXX. I called customer service 3 times. The first time I was told my name would be added to a list of people whose points were missing, and I would be contacted since it was a problem they were working on. I asked to speak with a XXXX, and the representative on the phone refused to connect me with a XXXX. I have not been contacted. On my additional phone calls, both times I was told I only had {$9.00} in reward points. The XXXX reward points vanished along with my {$2400.00}. The last 2 customer service agents I spoke with had no interest in discussing the problem, was told I only had {$9.00} in rewards. Nice theft of reward points equaling {$2400.00}.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Today, XX/XX/XXXX, and last six months I am faced with a " One-Time Payment Fee '' although I am well within my contracted grace period in which I should be charged NO Late-related FEE. 

Yet this company 's web site applies a " One-Time Payment Fee '' depending on lateness, per schedule below. 

This feels to be a violation of my contract and fee-gouging. They explain their processor charges them and passes the fee along. I countered that they can ( 1 ) switch payment processors ; or ( 2 )  absorb this unnecessary, unreasonable fee. 

Note I have NO ALTERNATIVE to paying within my grace period. No branch to visit. And via phone there is a phone convenience fee of {$15.00} XXXX XXXX XXXX XXXX XXXX One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00}
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I disputed these accounts numerous times with Equifax ; 1. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$130000.00} ) 2. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00} ) 3. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$3000.00}, Original Creditor Name XXXX XXXX XXXX ) As allow by the FDCA I asked experian to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from BAYVIEW LOAN SERVICING who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer XXXX XXXX XXXX. Ive been working and trying so hard for so many years now to receive a loan modification from Bayview Loan Management and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer XXXX XXXX XXXX. Bayview Loan Management still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
Bayview Loan Management and XXXX XXXX  XXXX strategically transferred my loan so that the time frame would just sell my home. 
If Bayview Loan Management and XXXX XXXX  XXXX continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (TX)

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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IN # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXXXXXX 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 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  XXXX 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 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion credit bureau is reporting a credit score decrease by 28 points on my credit file and has no reason for it. Transunion states " We found no changes to your Transunion Credit Report '' via CreditKarm.com on XX/XX/2019. This is unfair and unjust. I have proof of such, but was unable to upload a document photo directly from XXXX showing the decrease.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

In XX/XX/XXXX I was under XXXX  by the florida department of corrections on a XXXX  in florida, I was in the back of a transport vehicle and that night the officer driving must have dozed off because he hit the edges of the railing and the XXXX rocked back and forth violently. I was squished between the metal seats ( while in cuffs ) and another inmate who was larger around 300 lb at least. I was having XXXX XXXX XXXX and the officers did not report the incident. Instead they continued to drive in fear of their own jobs and avoided the situation. I was passed along to another van transport whom was concerned with my health and took me to the XXXX XXXX XXXX XXXX whom is now charging me, but I was A ) in XXXX  up until ( XX/XX/XXXX ) and B ) If anyone is to be charged with this debt it is the police, the department of corrections of Florida.
Consumer complaint received 2019-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (NC)

I purchased a new car in XX/XX/XXXX, BB & T financed it. The first payment was due XX/XX/XXXX when I received my first statement the balance was {$17000.00} I paid {$340.00}. My payments are XXXX for 72 months. Every month I pay more than the amount I owe. I accidentally made a double payment in XXXX. Since then I have made four payments totaling {$1200.00} which by my calculations my balance should be {$16000.00} but instead BB & T has my balance as {$16000.00}. They are charging interest every month and at the rate, they are going the car will not be paid off in 72 months. also, they will receive more than the contract I signed. MY balance is not reflecting my payments. They are not putting the payments towards my balance but instead are distributing them as if I am paying a mortgage instead.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

FABCO claims that I owe {$840.00} that was belong to XXXX XXXX a landlord that once I was renting an apartment from. 

FABCO sent me a list of maintenance charges that XXXX XXXX  ( their client ) believes that I caused them. 

I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have high credit scores, however Suntrust now known as Truist has denied a line of credit several times in the past. I have several accounts with this company. I applied for personal loan an was denied.I have waited for the official letter as for the reason denying the loan but never received it. I applied for a personal loan at two other companies and was accepted with no problem. This company appears to be having or showing a dislike or distrust and making or showing an unfair or biased decisions based on an what appears as discriminatory profiling. There is no reason I should ever be denied a line of credit from this company as i have banked with it for at least ten years. I have had issues with this company with apply a simple temporary credit to the me and forwards the dispute and notifies the merchant. The CFPB accepts cleverly or skillfully evasive responses from this company ; that it does not know who I am but will respond to me directly. Truist should be held accountable and made to respond to the CFPB and the CFPB should compel Truist to follow the regulations.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law