davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
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 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: John C. Heath, Attorney at Law, PLLC (LA)

I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX  stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (TX)

Good Afternoon, I filed a credit card dispute with Citi for the purchase of a car where the company ( XXXX ) holds a portion of {$4000.00} before purchasing the car. The car was not purchased and was still charged the amount. There is no phone number or contact us on their website, nor did they have any kind of notification of a return / arbitration policy. After searching the business through a few review sites, I found another reviewer who had the same problem but had it resolved in his favor. A simple search of " XXXX reviews '' on XXXX will find a 2.5 review on XXXX, and another " My ( miserable ) experience with XXXX XXXX XXXX ''. After doing this research, I found that they have a very bad track history with zero communication and service. They will not reply through email, nor will they answer the phone. They have taken my money and left! This has been extremely stressful and I sincerely hope this could be resolved. When I filed my dispute, Citi reversed the credit and told me " good luck '' after XXXX said they do not do returns. There is nothing to return if I did not receive anything! I thought Citi was on my side.

Regards, - Hopeful Consumer
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

I have a XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I hired XXXX, to process my payroll. I also signed up for a 401K plan for me and one officer only. However, from the beginning XXXX would confuse, neglect, and continuously mix up my payroll with the 401K plan. After 30 days, I called and cancelled the 401K plan portion. Afterwards, I kept XXXX for a couple of pay periods because I was on an automatic payment system for processing. All of this occurred between XXXX - XX/XX/XXXX. From XX/XX/XXXX, it has been a nightmare. XXXX has illegally and Fraudulently stolen money out of my business account at Chase Bank a couple of times. The money was returned to me XX/XX/XXXX, due to 25 pages of evidence I submitted to Chase fraudulent claims department. I also had to submit a stop payment on my account on the advice of a Chase bank rep. The stop payment was up to {$200.00}. However, XXXX made several fraudulent attempts to steal money out of my account after Chase settled the matter due to the proof I submitted of the cancellation from XX/XX/XXXX. However, XXXX made another attempt to steal money and was successful at illegally withdrawing {$1200.00} ( XX/XX/XXXX ). I contacted Chase fraud department, and submitted another claim. To date, the manager XXXX  has supposedly been working on this case for 1.5 months. XXXX, has been stringing me along, and refuses to refund the money to my account, although I have the same proof that I submitted before. XXXX, does not keep me up to date, and she does not return calls. This entire process has thrown my account into a negative status. I have not deposited money in my account because Chase Bank continues to allow XXXX to steal money from me. So, I had to submit another stop payment increasing the amount to {$5000.00}. I need help because Chase claims department continues to tell me that they do not have anyone to answer to. The only person in charge of the claim is XXXX, manager of the claims/fraud department . I NEED YOUR HELP TO GET MY MONEY BACK. IF I HAVE TO FILE A POLICE REPORT, I WILL. I HAVE PROOF OF CANCELLATION, AND I AM IN NEED OF MY MONEY. However, the manager XXXX has been protecting XXXX and stringing me along with no answers. The only response I get from her is they are working on it. PLEASE HELP ME!
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (FL)

I get frequent calls from Nationwide Recovery System. When i answered one of their calls they said that i needed to pay my hospital bill from a hospital located in XXXX. I used to live in XXXX and just recently moved to XXXX, so i dont recall any medical bill from a hospital in XXXX  XXXX I havent even been there. Now on my credit wise account i see this derogatory account from this Nationwide Recovery System affecting my credit score. I dont know whats happening but this is a scam.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services (GA)

The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX   XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (LA)

XXXX XXXX XXXX allowed some one to call in over the phone and create a credit card in my name and then shipped it to this address under my name : XXXX XXXX XXXX XXXX XXXX GA XXXX in the amount of XXXX, XXXX  was the agency that approved the credit card account ; then when I called XXXX XXXX and spoke with a person name XXXX in the credit card department and she told me I had to file a police report and complete all this paperwork and submit and they will f ... dispute the charges. XXXX LA police report number is XXXX ; FTC.gov report number is XXXX. I sent a dispute letter to XXXX XXXX and I froze my information with all the three agencies XXXX XXXX, XXXX  and XXXX for 7 years or longer until I can get a copy of my credit report and see who else have created cards ' etc. in my name since the data breach with XXXX. XXXX would not give me the information like my social security information that the company used to do this with.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Consumer complaint received 2018-11-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I emailed First Investors Financial Services on XX/XX/18, Due to the Harassing Phone calls that I received during the day. 
As I previously advised a collections Rep about the amount of Voicemails that were being left on a daily basis on a single phone number. 
Calling from different numbers all day long. Phone numbers that are near my own phone number or on XX/XX/18 called from my exact phone number ( spoofing calls ) .This company is based in the XXXX Area and Georgia Area . So why am I getting calls from XXXX, XXXX, XXXX area codes? disguising phone number to collect a debt. Then getting text messages from the company when I did not give the okay to contact me by text message on my cell phone. I also received several emails to my email address advising me to contact the company about my past due account. 
I have been open and honest with this company about the struggles that I have been going through the past few months and still maintain keeping a payment coming in monthly. 
So on XX/XX/18 : I emailed the company about the unfair debt collection practices that they are doing, I got a email back from XXXX XXXX, who stated that he would put my account in a " do not contact status '' and would review the call recordings .Well today XX/XX/18 : I have received Text messages and emails about my account. I did email Mr XXXX back about the issue and advised at this point ive given them the opportunity to fix the situation but that I was at this time going to report them to the CFPB and the Attorney General for further investigation. 
This company is in Violation of FDCPA policies and procedures. 
I do have said emails and copys of my phone log as well.
Consumer complaint received 2018-11-08
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. (CA)

EXPERIAN AND XXXX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ME)

After 4 phone calls, being put on hold for an hour at a time by the call center in the XXXX, I was finally able to speak to an American. As I am speaking to her, I find out that the address they ( Equifax ) are reporting for me is 10 years old. Yes, TEN years old. Their collection account activity is also incorrect as ALL of the collections were paid by my attorney in XX/XX/2018. The hospitals and doctors sent the attorney all bills due to the injury suffered ( broken shoulder - and needed to be replaced ). The hospitals and doctors agreed to a settlement for which was negotiated by the attorneys and the hospitals and doctors offices. Equifax has NOT made any changes at all and this has been going on now for 4 months. Equifax has refused to remove anything from my credit report OR make the correction to the address for which has been incorrect for 10 years. This company needs to be shut down.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding has reported payment of XXXX made on account which wasn't made. Asked for verification ... they cant lowering my credit score by 27 points. Midland Funding is reporting ( originally XXXX ) debt. Reported fraudulent payment of XXXX. Now reporting XXXX. Yet they state the debt is approx XXXX. The credit card company states approx.XXXX ( XXXX XXXX bank ) .Filed 4 disputes now through XXXX, XXXX and XXXX. Midland states account correct so agencies won't investigate and leaves FALSE info on my report. Midland has been asked for Legal verification, accounting records, License number ( Michigan Law ). Receipts, proof of ownership.NOTHING has been verified.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree /  Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. 
- Damaged credit report. Subsequently, unable to refi the house. 
- Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. 
- I have paid 14 year on interest, why am I still charged more on I than P.?
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Researched balance transfer card offers. Read terms and conditions of AMEX Everyday Credit Card. Available terms online, regarding balance transfers specifically, are 12 months 0 % APR, {$0.00} balance transfer fee. Agreed to terms. Applied for card. Was approved for card. Called AMEX to transfer balance. Was notified that card has a balance transfer cap of {$7500.00}. No Terms & Conditions available online or presented during application process indicate a cap exists. Two ( 2 ) AMEX customer services representatives ( call center + supervisor ) admit that this term is not provided online. Also admitted term applies to all AMEX cards. This particular term is presented in the T & C that are mailed with the card. I would never have applied for the card if I was notified of this cap before applying. Now my credit score has taken a hit and I have to go find another card that does not have a balance transfer cap. I have canceled the AMEX. I have no use for this card.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX  XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX  ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or  completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past  Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.
Consumer complaint received 2019-05-27
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. (CA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX