davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}
Consumer complaint received 2015-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (KS)

NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX score has not changed and it is much lower than XXXX, XXXX and XXXX. Navy Federal has not been able to answer my questions. They continue to deny me expect for an auto loan. Something is wrong with the process.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (MN)

NCB MANAGMENT SERVICES is reporting on my Credit Report that I have a Balance in Collection as of XXXX that has never received any payments. I have never recieved any Collection Letters, debt details or contact from NCB Managment Service nor the original debtor regarding this debt. The date, balance and original creditor are not familiar to me and since I had filed bankruptcy prior to this debt, I am concerned they are attempting to collect a debt that was cleared from my bankruptcy. Since my Spouse has passed away, it is also unclear if this debt is related to him and not directly related to me. In XX/XX/XXXX and again in XXXX, I disputed the information on my Credit Reports with XXXX and XXXX. The outcome is not clear and I have not received any details regarding this debt. On XX/XX/XXXX, I mailed a letter to NCB Management Services requesting the details regarding this open balance they've reported in collection or they remove the negative remards in their entirety. I have recieved no reply. As I am trying to address this collection, I am unable to do so without any knowledge or details of the origin and am unable to dispute it further as NCB Managment has failed to provide any details.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Shindler Law Firm (IL)

The collection agency Shindler and XXXX is refusing to release the levy it placed on my bank accounts. I am currently under XXXX XXXX bankruptcy that is current and active. Below are the details of communication between myself, my attorney ( XXXX XXXX ), and XXXX and XXXX. XX/XX/XXXX - Shindler and XXXX Levied accounts XX/XX/XXXXXXXX - I contacted XXXX & XXXX and spoke with XXXX XXXXand informed them of my bankruptcy. I requested that they release the levy on my bank accounts. They informed me to have my attorney fax them my bankruptcy filing. XX/XX/XXXX XXXX XXXX- My attorney faxed XXXX & XXXX my bankruptcy filing. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX to inquire as to the status of the requested release. I was informed that attorney XXXX XXXX is reviewing my file and would be informed the next day for status. XX/XX/XXXX - No Contact from XXXX & XXXX regarding status. XX/XX/XXXXXXXX - Contacted XXXX XXXX XXXX to inquire about the status of release. I was informed by XXXX XXXX that my attorney needed to contact them regarding my case. 8.30.2018 XXXX Contact XXXX XXXX to address the matter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & J and was put on hold for an hour with no response. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX  regarding release. No response.XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX and was put on hold for 5mins with no answer. XXXX XXXX - Contacted XXXX XXXX XXXX and was informed by XXXX XXXX XXXX have my attorney contact them.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I received a letter from Fay servicing in XX/XX/18, that my mortgage payment will increase from XXXX to XXXX as of XX/XX/18 per terms of my modification agreement.I tried reach the account manager to request a balance status mid XX/XX/XXXX again on XXXX, I tried to contact her by phone and email to get status in XX/XX/XXXX on XX/XX/XXXX,XX/XX/XXXX, and the XX/XX/XXXX. I recevied a letter right to cure a default by XX/XX/18 the notice stated I owed XX/XX/XXXX payment of XXXX, and XX/XX/XXXX XXXX, Corporate advance Balance ofXXXX fee and I had unapplied balance XXXX. I spoke to a team member @ fay servicing he couldn't discuss any details about my account and XXXX XXXX was the person in charge of my account. After numerous attempts to contact her I recieved a noticed dated XX/XX/18 stated modification Deferment and must respond on or before XX/XX/18, in the amount of XXXX, and foreclosure proceeding will not halt unless signed and received and accepted by Fay Servicing on or before the said date XX/XX/18
Consumer complaint received 2015-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. 
I telephoned, they promised to fix. 
XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!
Consumer complaint received 2018-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

I have a Home Project Loan with Wells Fargo. I have paid on time and in excess of the amounts due yet Wells insists on charging late fees. I was charged {$27.00} on XX/XX/XXXX ; {$38.00} on on XX/XX/XXXX; and {$1.00} on XX/XX/XXXX. Again, all while paying in advance of amounts due and in advance of due dates.
Consumer complaint received 2022-09-16
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: Army and Air Force Exchange Service (TX)

I purchased a exercise bike on XXXX-2021 for {$1600.00} and additional insurance for {$59.00}. I rejected delivery and returned to warehouse and have never laid eyes on this item. I filed a complaint earlier this week and was notified by the company the next day and was refunded only the insurance after being told I would receive full refund. Keep in mind that I have been disputing and trying to get a refund for almost 10 months now. I am still owed {$1600.00}. See complaint ID XXXX
Consumer complaint received 2019-04-04
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. (AL)

XXXX, Experian and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (CA)

About a month ago I got a text message from TrueAccord " A debt collector ''. It stated that my " account '' had been placed with them. 
This text started showing up at least once a day. 
I replied back to please " stop '' as I had no clue what account it was pointing to and it was basically an autogenerated text that they had put me in on the list to recieve. I have never heard of them so this could be fishing or scamming as far as I am concerned. 
After asking replying for no more texts and the reason I am filing this complaint is this... 
XXXX morning my wife, son, his new family and our XXXX XXXX XXXX grand daughter were sharing breakfast and preparing to watch our baby open her gifts. As we gathered my phone went off and I figured it was my XXXX, XXXX, or one of my XXXX. 
It wasn't, it was TrueAccord " A debt collector ''. 
I never asked to recieve text messages, I asked for them to be stopped, and yet my special moment was interrupted by them. 
Now, I am not so concerned about myself as I have more than enough to be grateful for, but for someone who is having troubles in life around the holidays, to be contacted by " A debt collector '' is just wrong and rubbing things in someones face regardless of their monetary situation. 
Please warn these XXXX  or something. No one deserves that level of disrespect.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

According to Florida Law chapter 624 if I can't pay for insurance ( because the premium is higher than the car payments ) the bank has to pay for it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-XXXX/XXXX/XXXX/XXXX.XXXX I called my lender, Bridgecrest, to apply forced-placed insurance to my car in exchange for higher payments. Bridgecrest refused to do that and I can't afford full cover insurance. My HOA found out my car has no plate and are pushing me to move the car or have it towed at my expense, at which point I would need a license, proof of registration ( don't have ) and proof of insurance ( none ) in order to get it back from the impound lot. 

I have been struggling with this all week and I don't want my credit ruined and my bank account gnashed because Bridgecrest refuses to pay for car insurance. 

Bankruptcy won't help neither since filing for chapter XXXX or chapter XXXX won't help since I have to sell non-exempt property or make payments. 

I don't deserve a decade of financial suffering over a car. This has gone far enough and I can't lose everything I worked so hard to gain.
Consumer complaint received 2024-02-09
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. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE 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 WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2023-01-02
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. (SC)

On XXXX I disputed XXXX XXXX XXXX Account. ( Line Of Credit ) I asked Experian to supply information as to how they verified this account. I never received any information on how this account was verified, and yet it remains on my credit report. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. This did not happen. In addition The account was charged XXXX in XXXX of XXXX  and is currently closed, but experian has updated the balance on a charged off account, putting it over the line of credit amount, which in turned dropped my XXXX XXXX by XXXX points.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MO)

Guaranteed Rate is in violation of RESPA for payment of escrow to XXXX XXXX  in the amount of {$4000.00}. The closure for re-financing occurred XX/XX/XXXX ( see attachment of Closing Disclosure ), and still the escrow has not be transferred to XXXX XXXX. For this reason, my mortgage payments have gone up {$310.00} per month ( see attachment of XXXX notification of increased mortgage payment ). 

I contacted Guaranteed Rate on multiple occasions with no written response acknowledging the above. The first written communication I sent them is dated XX/XX/XXXX. To date, the Guaranteed Rate officers that have not bothered to confirm in writing the issues detailed above are : 1 ) XXXX XXXX XXXX XXXX Supervisor XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Team Lead/Loan Servicing Coordinator XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, XXXX, IL XXXX I did contact XXXX  about this issue, and opened a complaint, complaint number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
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 — Investigation took more than 30 days
Company: American First Finance, Inc. (WV)

On XX/XX/XXXX I opened an account with AMERICAN FIRST FINANCE I for the amount of {$580.00} on XXXX XXXX XXXX the account was closed as a collection/ charged off and sold to a debt collection agency. In legal rights a consumer is no longer responsible or reliable for a debt one the account is closed or charged off/ sold to a collection agency. This company is still reporting negative remarks on my credit report. As of XX/XX/XXXX.
Consumer complaint received 2022-09-16
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX MORTGAGE XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates XXXX, XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX SERVICES XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates XXXX
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair Credit Reporting Act converganct account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at XXXX
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NY)

On XX/XX/XXXX I settled an old XXXX account that was in collections with CREDIT COLLECTION SERVICES. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around 723. I found out today by XXXX alert, that my credit score dropped 79 points due to being Flagged by Credit Collections Service on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called XXXX  asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my XXXX Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to  know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.