davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I received a Notice of Servicing Transfer fted XX/XX/2023 from XXXX XXXX XXXX  advising the previous servicers have transferred the mortgage loan to them. I then mailed a cease and desist notice via certified mail with a return receipt. ( Tracking Number- XXXX ) with a confirmation of receipt signature from XXXX XXXX XXXX which confirmed delivery on XX/XX/2023. 
The delivered notice demanded Carrington Mortgage Services to cease all forms of communication through any and all mediums unless it pertains to my disclosed remedy. All remedies were described in the notice. The notice demanded return of the attached form with the required information, assignments, or other transfer agreements, which would establish their right to collect the alleged debt within 30 days of the date of receipt of the notice ( 30 days from XX/XX/2023 ). 
Instead of providing the required information to validate and verify the alleged debt, Carrington Mortgage Services mailed a notice dated XX/XX/2023 of Intent to Foreclosure on my personal property that is used for private familial enjoyment. 

It is clear that Carrington Mortgage Services have violated the following ; 15 USC 1692C.C - Carrington Mortgage Services confirmed receipt of Cease and Desist Notice with a letter dated XX/XX/2023 from the Loan Administration and Support Department and advised that they will respond by XX/XX/2023. However, on XX/XX/2023, Carrington Mortgage Services violated the Cease and Desist Order and sent a Notice of Intent to Foreclose.

15 USC 1692C. ( C ). ( 2 ) Carrington Mortgage Services violated my right to remedy as a consumer, and the original creditor. 
15 USC 1692- Abusive practices by debt collector by invading my right to privacy and continuously sending notice to my private home that is used for personal familial enjoyment. 
18 USC 8- Obligation or other Security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

15 USC 1666 B ( 1 ) - Declined to provide documentary evidence of alleged indebtedness by sending notices in response to cease and desist and demand for documentation. 
15 USC 1666 B2- Declined to provide written clarification or documentary evidence of the alleged indebtedness.

15 USC 1666 E- Carrington Mortgages Services failed to comply with the requirements of the section described and have efficiently forfeit any right to collect from obligor
Consumer complaint received 2019-06-30
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: Waypoint Resource Group, LLC (CO)

Waypoint Resource group is falsely reporting a collection account on my credit report that was previously removed in my identity theft case. They're falsely reporting a opening date for a account with XXXX which I have never opened a account with. They are violating my rights to fair credit reporting in several ways and I plan to take this isuue to court if this collection account is not removed from my credit report.
Consumer complaint received 2022-12-14
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Someone fraudulently opened a XXXX XXXX account in my company name with my personal name attached it to. I did not open the account and I have told Wells Fargo Bank that on numerous dates. They are continually contacting me by mail and phone in a attempt to collect funds that I do not owe.
Consumer complaint received 2019-04-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Green & Sons Agency, Inc. (UT)

In 2018, XXXX XXXX  called my work phone number about a debt I shouldnt have to be paying anyway. I told them not to call me at work and that I was working on resolving the debt with the University XXXX XXXX. Today, they called other branches of my work to try to reach me, which is both unprofessional and embarrassing, especially when I have a direct line and I told them not to call me at the direct line.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (MS)

I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my Equifax credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. XXXX  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XX/XX/XXXX. I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XX/XX/XXXX, reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. XXXX RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. Equifax should immediately remove this from my credit report, and XXXX should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, Equifax and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Consumer complaint received 2023-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I work with someone to do a settlement on in account with XXXX XXXX XXXX original creditor was XXXX XXXX XXXX for XXXX. I paid a Settlement of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX ( XXXX ) XXXX on XXXX XXXX. This amount has cleared my bank account and i need to be removed ASAP.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

I was called and offered a credit card at No Intrest For EVER if I transfered my balance from another card. I didn't believe it and turned them down MULTIPLE Times Before I call the company and inquired if this was true. They Assured me MULTIPLE TIMES IT WAS TRUE. Now I find it was an outright lie and I am about to begin incurring intrest.
Consumer complaint received 2023-01-03
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: Bread Financial Holdings, Inc. (OH)

Im accordance with the fair credit reporting act Comenity Bank Victorias Secret has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (PA)

In accordance with fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (SC)

There are 3 medical reporting on my credit report from Equifax with no names of who the creditor is. I have reached out to Equifax on multiple occasions and they have not responded to any of my letters that were sent. 

The Accounts that are reporting on my credit report. 

Account # XXXX High Credit : {$650.00} XXXX High Credit : {$440.00} Account # XXXX High Credit : {$290.00} I have sent letters to Equifax on the following dates and not received any mail correspondence from Equifax. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit file ( # XXXX ) and I observed the following errors : XXXX XXXX XXXX # XXXX : Pay status shows a chapter XXXX bankruptcy XX/XX/XXXX which is inaccurate. There is no record with XXXX XXXX County of me filing a chapter XXXX bankruptcy on XX/XX/XXXX. The date closed is inaccurate as well stating the closed date was XX/XX/XXXX. 
XXXX # XXXX pay status shows a chapter XXXX bankruptcy on XX/XX/XXXX which is inaccurate as well. The closed date is stated on the same date that they claim the chapter XXXX bankruptcy was filed, XX/XX/XXXX.
Consumer complaint received 2016-05-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

CRME uses deceptive practices by changing their caller ID to a local number so you think that it is someone you know. In my case a caller ID is shown for XXXX but the number left on my voice mail is not the same nor aresponsible they located in my area code so this method is very deceptive and in violation of FDCPA by spoofing the area code. On top of this my account was eligible for financial write off by original provider due to my being way below the XXXX guidelines and should not be sent to collections at all. I have sent notice by mail stating this already. Previous debts by same provider were written off for this same reason which shows I am eligible for the year debt was incurred.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MN)

Website has been shutdown for the past couple days without any notice. I am unable to submit my loan payment in time because the website is down. I am unable to contact their customer service because the website is down. This has happened a couple of times in the past.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Firstsource Business Process Services, LLC (CA)

Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

In XXXX 2016 I contacted XXXX billing department to arrange a payment schedule. They agreed and established a {$50.00} per month payment. Since they do n't provide a user friendly online bill payment option, beginning in XXXX I set up electronic bill payment through my bank. A total of XXXX payments were made ( in XXXX electronic transactions ) with confirmations sent from XXXX XXXX. On XXXX XXXX I received a collection notice from CMRE Financial Services and I contacted them on XXXX XXXX via phone. I was told my account had not been credited for the above referenced payments. That same day I emailed documentation for all payments made beginning in XXXX. On XXXX XXXX I called to confirm that the email had been received, spoke to XXXX and she confirmed they had been. She said they had requested more information from XXXX XXXX XXXX and it could take up to 2 weeks to resolve. Today, XXXX XXXX, I received a voice mail from CMRE and called. They said they needed documentation for the XXXX XXXX payments. I explained that they were electronic payments directly from the bank so other than the payment confirmation I received I had no other documentation. XXXX got very belligerent and said the payment confirmations I provided were not sufficient and I needed to send cancelled checks. I again explained that I did not write checks, that these were electronic payments through XXXX XXXX bill pay program. She continued to insist, said I needed to send them further documentation and then hung up. I just pulled bank statements showing the debits from my account and sent that along with the previously submitted payment confirmations. In the email I requested confirmation of receipt as well as how this collection issue will be resolved so as to not impact my credit score which I take very seriously.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MO)

This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau of Jamestown, Inc. (NY)

On XX/XX/XXXX I noticed two collections accounts on my XXXX XXXX that had been placed both for the same date with two different amounts being owed for an XXXX XXXX visit. it shows that I owe a debt of {$180.00} and a debt of {$300.00} both for XX/XX/XXXX to original debtor XXXX XXXX XXXXXXXX XXXX I am a XXXX XXXX XXXXXXXX veteran and that facility is also an in network covered provider of services I never once received a phone call or a bill stating that I had owed any debt at all I only noticed the collection account via my XXXX XXXX app on my phone. This is an illegal attempt to collect a debt that I do not owe
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

During a conversation with Enhanced Recovery they demanded immediate payment of the alleged debt without informing me of right to dispute the debt, even though I had disputed it, according to the unlawful debt collection and validating. 

The debt collector threatened to garnish my wages if I did not pay the debt. The debt collector informed me that the company would seek alternative ways to have the alleged debt paid if I did not pay, something I interpreted to mean the company would sue me. 

Despite requests that Enhanced Recovery cease calling, the agency continued to pursue after me, using an autodialer system to place repeated collection calls. 

I never provided my cell phone number or consent to be contacted by Enhanced Recovery. 

The calls were intended to unjustly condemn and vilify me for non-payment of the debt I allegedly owe, and to produce an unpleasant and/or hostile situation between my family and I. This company has caused my family and I mental distress.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CO)

To Whom it May Concern : On XX/XX/2021 I withdrew my exact payoff amount of {$23000.00}. I opened an account with US Bank to pay off my lease through US bank. I did this hoping to make the process as smooth and easy as possible. I called the bank several times before to verify I was sending them the correct documentation. 

US BANK told me numerous times over the phone that if I overnight the check and documents, they would send it back with my title within 24 hours. On XX/XX/2021 at XXXX XXXX my check for {$23000.00} along with proper documentation was sent to US BANK. My check and documentation was received on XX/XX/2021 at XXXX XXXX. 

It is now XX/XX/2021 almost a MONTH later and I still have not received my title. I spoke to yet another representative who told me, " I have devastating news, your title has still not been sent out. '' From the utter confusion that these customer service reps have, to not receiving a manager call back, and waiting over a month for a title when I was told several times I would get it within 24 business hours ; this is utterly ridiculous and predatory towards the consumer.
Consumer complaint received 2021-04-19
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: Byrider Franchising, LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.