davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: Global Lending Services LLC (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-07-27
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft
Consumer complaint received 2019-03-21
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: Carter-Young, Inc. (GA)

My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from Carter-Young INC on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On or about XX/XX/XXXX a company called XXXX XXXX XXXX has posted a document on my front door which claims to have recorded a document ( attached ) called a NOTICE OF TRUSTEE 'S SALE, hiding its real address and information, without any signature, in violation of TILA and the FDCPA, having the alleged recorded document mailed to another company called XXXX XXXX, at XXXX XXXX XXXX, in XXXX, CA XXXX, when I have in fact, appealed the decision of the Bankruptcy Court and it is presently pending before the Bankruptcy Appellate Panel ( BAP ) in Appeal number : XXXX, against the order to lift the automatic stay. This all stems from the fact that the previous lender called XXXX failed to properly apply my post-petition payments made starting in XX/XX/XXXX, to the loan when it was transferred to the present servicer Caliber Home Loans, in or about XX/XX/XXXX. In fact, we have received payment and running balance statements showing that in XX/XX/XXXX there were still late charges in my account for the amount of ( - {$830.00} ) and increased to ( - {$1200.00} ) under Late Charges on XX/XX/XXXX, when the loan was released, and which should have never existed. Also, we must add that a recent letter from Caliber dated XX/XX/XXXX admits that there was a suspense balance of {$2100.00} in XX/XX/XXXX which should have been posted to the post-petition payments and not pre-petition payments of XXXX XXXX, XX/XX/XXXX. These payments, along with those made during XX/XX/XXXXwere misapplied and Caliber again has misrepresented in the attached letter that I am due for " twelve ( 12 ) post-petition payments totalling {$19.00}, XXXX. Please see their third ( 3rd )  amended payment history attached to the letter dated XX/XX/XXXX.
Consumer complaint received 2024-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VT)

XXXX XXXX XXXX transferred my mortgage to Shellpoint Mortgage Servicing. Before they did that, they increased my monthly payment from XXXX to XXXX a month. That increase they based on an " XXXX XXXX ''. I'm afraid I have to disagree with their " analysis ''. I called the new servicer- they say there is nothing they can do. I am on a fixed income and can not suddenly pay XXXX XXXX more every month. This mortgage was already modified to be affordable for me, and now it is made unaffordable again. And nobody so far managed to explain to me how they exactly calculated the monthly shortage payment of XXXX.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KeyBridge Medical Revenue Management (OH)

On Friday XX/XX/2020 I received my first notice from Kebridge Medical Revenue Care regarding a debt I owed in the amount of {$40.00} dollars. This is the first notice received from this company, I immediately went to their website and paid them {$40.00} dollars to clear the debt. On Saturday XX/XX/2020 I received a notice from XXXX   XXXX XXXX that they have reported TWO debts to my credit report. One debt in the amount of {$40.00}, another in the amount of {$20.00}. I was unable to call Keybridge until Monday XX/XX/XXXX because they were closed over the weekend. 

On Monday XX/XX/2020 I called Keybridge around XXXX and told them I was calling to clear up the accounts they held in their office so that I could get them removed from the credit report. The account representative named XXXX advised me that I had a total balance of {$110.00} due in their office and this included a balance of {$28.00} dollars that my wife had owed as well. 

They suggested I was responsible for my wife 's debt and asked me to pay it, at no time did they give me any opportunity to dispute the debt, and at no time did they tell me that I was NOT responsible for my wife 's debt. I again stated that I wanted to get it cleared up immediately because I was unaware of any debt at this time. I only received one notice for {$40.00} dollars. 

Over a 3 day period, despite only receiving one notice for {$40.00} due, I paid a total of {$150.00}. After the payment was processed, I asked for this to be removed from my credit report. They refused to remove this, they stated that it would be updated to reflect the account was paid in full. I asked them to please have it removed and they refused to do so. They claim they are not permitted to remove the debt due to a federal statute but I believe this to be incorrect. I believe they are attempting to ruin my credit for a minor oversight. The representative transferred me to her supervisor ( I did not write down the name ) and the supervisor told me the same thing that I KNOW to be false. They both stated that they are not permitted to remove this from my credit report. I know this is 100 % false, they do have the power and are refusing to do so. 

They did not provide me any notice on debt owed over the initial {$40.00} payment due, they led me to believe that I was responsible for my wife 's debt owed as well. They are refusing to remove a PAID Collection account from my credit report. I believe they are engaging in unfair, deceptive, and unethical business practices and would like this company investigated and my credit cleared immediately.
Consumer complaint received 2021-12-01
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. (MD)

In XXXX of XXXX I became aware of my father opening multiple credit cards in my name without my consent totaling to an amount of thirty-thousand dollars. I am an the XXXX XXXX XXXXXXXX and I am not stationed in the state where this card was opened or where any of the purchases were made at. I immediately on recognition contacted all the banks that were involved ( XXXX, XXXX, XXXX XXXX, XXXX, CitiBank ) and filed a police report. Every bank except for Citibank concluded their investigations in favor of myself, declaring the debt was not liable to me but that of my father, except Citibank. Citibank has done multiple investigations and proceed to conclude the investigation with " This card was opened using a valid mailing and emailing address thus you are liable for the debt ''. Even with submitting dozens of documents including a signed and notarized letter from the XXXX office in Texas from my father stating these were opened without my consent, CitiBank still continues to hold the debt and push it to collection agencies. I have called, emailed and mailed CitiBank multiple times throughout XXXX and XXXX trying to resolve this issue with the same answer being given. This debt and XXXX lack of appropriate action is negatively effecting my Military career and position.
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

I have been a customer with XXXX credit cards for over 4 years and opened XXXX XXXX XXXX in XXXX XXXX. All of a sudden in XXXX XXXX they closed my account saying " Your history of account usage '' and no other details. They advertise the reward points equal to XXXX cent towards travel charges and another 5 % back making each point worth XXXX cents. I have been saving up points towards my winter vacation. As of the closure I had XXXX points which equal to {$1400.00}. 
But they credited only {$710.00} at the rate of XXXX cents per point. 
So they owe me back {$780.00} They can not take my money away by closing the account abruptly at their discretion. I do not mind them closing the account and I can take my business to somewhere more honest and respectable. I want the money that I deserve.
Consumer complaint received 2020-07-27
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: National Consumer Telecom & Utilities Exchange, Inc. (KS)

On XX/XX/20 I sent correspondence to XXXX XXXX XXXX-NCTUE stating that I was a victim of identity theft ( XX/XX/XXXXSigned Copy_Identity Theft Letter to Credit Bureau_NCTUE ) The letter was sent certified mail return receipt with tracking # XXXX, and was in NCTUEs possession as of XX/XX/20 ( USPS tracking Results ). 
The letter explained to NCTUE that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Research Request Form, A copy of my Identity Theft Report, Identity Theft Affidavit, Victim Authorization to Law Enforcement, Proof of my identity, Police Reports NCTUES, stated, in an email, dated XX/XX/20, Thank you for submitting your dispute to the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has started processing your dispute request for your telecom and utilities exchange data report for the referenced Confirmation Number. 
This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) NCTUE is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, NCTUE has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (SC)

I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.
Consumer complaint received 2022-01-14
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: Exeter Finance, LLC. (TX)

A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Consumer complaint received 2020-11-06
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. (IL)

The company XXXX  haa been on my Transuion credit report since XXXX of 2007. Per the laws of credit reporting all collection items should automatically fall off whether it is paid or not after 7  years. These XXXX account has been on my credit report for 13 years I am demanding that both XXXX  accounts be deleted from off my Transuion union report. The account numbers are XXXX and XXXX. I have mailed them a copy of what i am attaching to this complaint
Consumer complaint received 2018-12-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX  is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX  lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.
Consumer complaint received 2019-11-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I pulled my credit report and did not know who this company, AD Astra Recovery was saying that I owed a debt to them from a XXXX  transaction. I have paid all of my debts so I asked them to validate the debt per my consumer rights protected by the Fair Debt Collection Practices Act. I sent them a Validation Demand on XX/XX/2019 asking for a contract, statements or detailed billing history to prove the debt was mine. 

I did not get a response. 

I disputed the account with the Credit Bureaus letting them know that this account was in violation of the law, the collector did not validate it, and asked them to remove it. All three credit bureaus said that this company AD Astra Recovery verified it and continue to report it. So I sent another Validation Demand to AD Astra Recovery to show me proof that this debt was mine on XX/XX/2019. 

I did not get a response. 

I again disputed with the credit bureaus letting them know that my rights were being violated, that this company is not complying with the FDCPA and for them to report a debt that the collector does not validate violates the Fair Credit Reporting Act. All three continue to report it and claim that AD Astra Recovery has certified that is correct and my debt. SO I sent a follow up letter on XX/XX/2019 to AD Astra Recovery asking them if they can certify it's mine with the credit bureaus why can they not send me the same certification? 

I did not get a response. 

I have read, while researching this account, that AD Astra Recovery often violates the law and does not comply with the FDCPA. What upsets me is that this is still on my credit report after multiple violations and that the credit bureaus refuse to recognize these violations. I have asked the credit bureaus to send me the proof from AD Astra Recovery that they are using to verify it and they refuse. I just get a generic letter that says it was verified without any information that proves it was verified by them. How can the credit bureaus also violate my rights and get away with it? 

I want this debt removed from my credit report for violating my consumer rights protected by Federal Laws FCRA, FACTA, FDCPA.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I Received a collection from Convergent for an unpaid XXXX XXXX XXXX bill, I don't have an account With XXXX XXXX XXXX The back of the notice says unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, this office will assume the debt is valid? I received the notice XX/XX/2021 I googled the company and it seems like this is s scam so I have not tried to reach out to them because i don't recognize the charges. And do not want to deal with a company that is not legitimate in any way
Consumer complaint received 2021-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

I have my saving account with synchrony and then my husband had deposited his paycheck in there but I didnt add him yet they called me and I explained it and apply for a joint account but now they restricted my account for the last 30 days and Im trying to pay my house its really been hard for me
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I started receiving notices that my credit was being checked by XXXX XXXX XXXX XXXX. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX XXXX XXXX and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
Consumer complaint received 2022-06-16
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. (GA)

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the manager and they don't call back. I can't move my family into an apartment and been denied jobs.
Consumer complaint received 2022-07-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( 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 permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX