davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (MA)

XXXX  XXXX XXXX has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a XXXX year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX  too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a XXXX noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.
Consumer complaint received 2020-02-07
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: Santander Consumer USA Holdings Inc. (NY)

A Loan for a vehicle was opened in my name with Chrysler Capital in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX informing them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by Chrysler Capital that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Accepance reports account as an open since XX/XX/XXXX. Before then it was reported as an collections account from XX/XX/XXXX to XX/XX/XXXX. It has been over 5 years since the last payment. I believe this account should have stayed in the collections status.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I apologize but I received an updated status on my credit report regarding my XXXX XXXX XXXX XXXX dispute with Experian. XXXX XXXX XXXX XXXX sent a letter to Experian, the XXXX  and myself stating that I paid off my loan on time. Instead of Experian changing the inaccurate information they added that I failed to make my payments several times instead of one 30 day late payment as reported earlier. They decided to also add a Status that states that the account was a insurance claim or a military/government claim that ended in default! None of this is true. I am so stressed out about all of this because I have been trying to get Experian to rectify all the inaccurate information on my credit report since 2021. I am starting to feel targeted because I have refused to give up on trying to get my credit report fixed. Please Please help me with this issue.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2023-06-29
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee.. 

Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee. 

Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.
Consumer complaint received 2022-08-18
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. (CA)

XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX, XXXX ), # XXXX ( Equifax ) XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX ) XXXX # XXXX ( Equifax ) XXXX Account # XXXX ( XXXX, Equifax ) 1 ) I submitted my original dispute to Equifax on XXXX. 
2 ) I received no response at all. 
3 ) I filed a complaint with the CFPB on XXXX for Equifax violating the rules of the Fair Credit Reporting Act. 
4 ) Equifax finally responded on XXXX without adequately responding to my dispute of them violating the Fair Credit Reporting Act nor have they provided proof of these creditors having permission to furnish these accounts on my consumer report. 

15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I never gave permission for Equifax to share my report with these or any other creditors. 

15 U.S.C. 1681 section 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Equifax, nor these creditors, has received my written permission to furnish these accounts on my consumer report. 

15 U.S.C 1681i Section A states a consumer reporting agency, upon a consumer dispute, must conduct a reinvestigation to determine whether information is inaccurate and record the current status or delete the item from the file before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer. Equifax did not provide evidence of or conduct an investigation within the 30 days after I submitted my dispute ( XXXX ). In fact, they didnt respond or investigate at all until I submitted a complaint with the CFPB. Under the Fair Credit Reporting Act that is a violation and all disputed accounts must be REMOVED from my consumer report. Equifax still has not provided proof of a reasonable reinvestigation simply stating the accounts have been proving verified without evidence, yet there are CLEAR inaccuracies in the reporting of said accounts. 

As you can see in my credit report in the attached documents the information these creditors and credit reporting agencies, including Equifax, have furnished on my consumer report is not even consistent let alone accurate. Had Equifax done a reasonable investigation at any point they should have been able to spot these inaccuracies. Instead they have unfairly affected my ability to receive fair credit costing me opportunity. Each infraction of my rights is punishable by no less than {$1000.00} per violation. All accounts must be REMOVED from my consumer report immediately. 

Equifax has not provided any evidence of me giving these creditors permissible purpose to furnish any of this information on my consumer report! That is a clear violation of the Fair Credit Reporting Act. All accounts must be REMOVED from my consumer report immediately! Equifax, being a consumer reporting agency, is responsible for these violations of my rights.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a natural person. I am a living, human being, I have rights under 15 USC 1681. 
XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the account listed below be removed, because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

1. XXXX XXXX XXXX ( XXXX ) for XXXX XXXX. I have been fighting this debt forever, as it is not even mine. 

I was a victim of XXXX Data Breach in 2017 and believe accounts were opened in my name. These need to be removed immediately.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX  XXXX XXXX REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 HXXXX XXXX XXXXL VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I got my home mortgage refinanced with a new lender, the closing date being XX/XX/2020. It's 73 days past, but I haven't received the escrow balance refund cheque from Amerihome Mortgage Company ( old leader ). I did multiple follow-ups with their customer service but always got a canned answer that the cheque will be mailed in 2 weeks. Amerihome has uploaded the scanned copy of the cheque onto my loan account on their website ; I guess to show on record that they are compliant but never have mailed the physical cheque to me ; maybe the cover-up reason from their end would be 'the cheque was mailed, but it got misplaced '! I want to bring to the CFPB 's notice the malpractices followed by these home mortgage companies and seek remediation on the above complaint.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (VA)

I attempted to renew my vehicle registration and was advised by the DMV that there is a hold on my registration due to a debt owed. DMV referred me to XXXX XXXX XXXX XXXX who then referred me to Professional Account Management Collection Agency. 

I was told I owe {$160.00} for a bridge toll back from XX/XX/2018. I advised them I never received any notification or bill for this. The representative confirmed this by telling me she can see in my file that the mail was returned. I confirmed my address is correct but am not sure why the mail was returned. She also confirmed that over {$120.00} of the debt owed is for fees. 

Naturally, I was appalled to learn that I am being charged over 1000 percent markup in fees for using a bridge once. I don't even recall using the bridge because I have my GPS set to avoid toll roads but even if I did, it is quite surprising and disturbing to pay {$160.00} for one toll, especially when the collection agency confirmed I did not receive any notifications or bills. I also did not receive any phone calls or voicemails. 

I asked if there was any way to reduce the amount of fees and I was told they can not reduce it in the slightest. I also tried calling XXXX XXXX XXXX XXXX directly and they were extremely rude stating because their records showed they mailed me something once almost two years ago that there was nothing that could be done. She kept directing back to the collection agency who told me they couldn't do anything either. 

Now, I am in a position where I can not register my vehicle and do not have enough money to pay the full amount. Sadly I have run into quite a few people who have told me they have or are currently experiencing the same issue. 

It is very clear XXXX XXXX XXXX XXXX as well as their collection agency are taking full advantage of customers/citizens by price gouging over 1000 % off of one toll and by putting holds on people 's vehicle registrations, forcing us into very compromising situations so they can make a profit. Where is the money going they are making in fees on a regular basis? 

The fact also still remains, as the collection agency confirmed, I never received any notice of the debt, nor did I receive a right to dispute notice or a breakdown of what I am being charged.
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

My mortgage is with PHH Mortgage I received a call from the mortgage company the week of XX/XX/2020 stating my modification was approved and I would receive the modification trial payments in the mail. I have not received the modification trial period in the mail and there is a property foreclosure sale date set for XX/XX/2020. 
I have not received a foreclosure notice for this sale date. The Tennessee law says I am suppose to receive a 30 day notice before the foreclosure was set of which I have not received a foreclosure letter..
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

Columbia Debt Recovery LLC dba GENESIS first reached out to me via text message from the number on XX/XX/XXXX. The text identified itself as an attempt by a debt collector to collect a debt but provided only a last name and the name of an apartment complex that no longer exists as the creditor ( the building appears to have been sold in XXXX XXXX XXXX and renamed by its new owners ). I called the number provided and spoke with a representative who only provided an account number and asked me if I would pay the debt ( to which I replied " no '' ). Neither the text nor the representative reached through the number XXXX informed me of any right to dispute the debt, nor my rights regarding validation of debts.

I mailed the attached request for debt verification to Columbia Debt Recovery LLC dba GENESIS on XX/XX/XXXX requesting all information included therein and asking them to acknowledge the account as under dispute as of writing. I sent this letter out the same day with USPS Certified Mail and purchased an additional Certified Mail Receipt. This communication to them was left with an individual on XX/XX/XXXX at XXXX. Despite this, Columbia Debt Recovery LLC dba GENESIS has reported my account to the XXXX credit bureaus as of XX/XX/XXXX without having ever attempted to verify or validate the debt, by mail or otherwise.
Consumer complaint received 2023-06-29
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal Credit Union placed several restrictions in my account after filing for Bankruptcy for a medical reason. 
On 2017 someone used my card without my permission and Navy Federal denied the dispute claim and they deducted the money from my checking account. As I was presenting medical issues and  difficulties To pay the negative balance from the reason mentioned before, they closed my account. 
Then I stated making payments in that negative account until I had to file for Bankruptcy. 
Now after my bankruptcy was discharged All the time when I apply for something I get declined because I caused a lost to Navy Federal Credit Union per the credit Departament, once I try to call them they transferred me to Bankruptcy Depto trying to collect the money that was discharged on the bankruptcy. 
My bill pay service is also restricted in my account and they dont let me use bill pay because the balance that I have with the bank, balance that is discharged already in a Bankruptcy court.

They say until the discharged balance dont get pay I will keep restricted of using bill pay and also there is many issues with XXXX.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

I have paid the debt of XXXX to M Leonard and assoc. about 4 months ago. I have spoken to a XXXX XXXX at the company whom has been no help. according to her my paid debt can not be removed because she says I made an arrangement and did not keep it. I did call back to pay the debt in full and made the payment. They were very nice taking the payment and had mentioned it will fall off my credit report as paid. I assumed that was to be removed. Now because of this still showing on my credit report as a paid collection I can not live the American dream and purchase a home for myself and 3 kids. I have attempted and pleaded with this company to have this removed and they will not and in turn are always snarky and rude. I have called XXXX XXXX group which is the original creditor and they wish they can hekp but since it has been sent to leonard and assoc they are unable to assist.