davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-America Accounts Control Bureau, Inc. (NY)

Complaints : 1 ) Violation of Fair Debt Collection Practices Act, 2 )  Disregarded agreed upon amount, and 3 ) Ignoring my request to pay the agreed upon price. 

I called in to settle an account and they started talking to me about someones elses debt and told me the amount they owe, with USING THE DEBTEES NAME! This is a MAJOR violation according to the Federal Trade Commissions Fair Debt Collection Practices Act, 15 USC 1692d, 805 ( b ) Communications with Third Parties. 

I asked to speak with the Supervisor and his remarks were So what! This doesnt effect you, I told him that it is a violation of the Debtee and it causes me to have concern on their integrity and how they do business. He said everyone makes mistakes, and I agreed, however this violated Federal Law. He was very argumentative and kept saying what a you going to do about it?, I said I will take it further since he doesnt understand the magnitude of it. 

I then asked to go back to my issue and pay our mutually agreed upon amount to close my case. He gave me an amount of the original amount. I told him that was not it and that is was a different amount. He kept repeating that amount ( 6 times total ). I finally had to tell him to look at the notes in my file!!! He finally found it and admitted he was wrong. I kept telling him that I wanted to pay it but he insisted on going down a rabbit trail. He started asking me Dont I have a problem with him not looking at the notes first?, I said yes and it causes even more concern about his company. I told I want to pay my bill. He started saying that he is surprised I didnt want to complain about that. I said that I want to pay what I owe if he would stop acting like an XXXX XXXX . He  said the call was over and hung up. I admit that I should not have used the word XXXX XXXX , but I was taken to my limit. I have sent an email to just get my agreed upon amount settled. 

I have not received anything other than a phone call from the Mid-America Collections Control Bureau , Inc. regarding this debt.
Consumer complaint received 2024-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC. (TX)

I did apply for Home refinance with equity loan and I provided everything all documents XXXX XXXX XXXX asks me too along with 30 days Pay stubs, XXXX form for XXXX years, Assets such as XXXX, stocks, all Bank accounts include with my husband information. 
I am assuming my application is approved because I signed and initial all documents, consent, etc. thru Sofi online account. 
The last document I attach missing paystubs, XXXX form, XXXX, Mortgage statement week ago and he needed the appraisals receipts which I am confuse because he did not tell me will be provide by Sofi company. 
I send him an email this Monday XX/XX/XXXX asking if I have to hire the appraisals person, and he replied that the Sofi company unable to use from other lenders. 
I made a schedule appointment with him XX/XX/XXXX and Ive talked to him the afternoon, and he states that my application will not be forwarded due to Texas law because weve taken equity loan many years ago and cant be a HELOC and I ask if there is another way he said for me to go to my current lender. 
I was very disappointed that all documents related to me and husband personal information were sent to him and all signed. Not only that our 3 credit report requested and this how he handles customer service professional?
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

In XXXX of XXXX after moving to XXXX XXXX, Texas, my XXXX XXXX service began to take a sharp dive. I was receiving " 5G '' which at the time, was just a regular LTE network channel, advertised as 5G, which was almost always giving me dial-up data speeds. On several occasions at my apartment and around the city, my speeds were often no more than 800Kbps, which is nothing near the expected speed range for 5G or LTE. I contacted XXXX XXXX several times and was asked to complete troubleshooting, which I did. After troubleshooting, XXXX gave me some excuse about an outage or maintenance, each time I had brought these slow speed concerns to their attention. On the third time reaching out and insisting a ticket be filed for their engineers, I was told no and that the same, repetitive, unhelpful troubleshooting steps need to be done. After those steps were done again, I was told once again that this is just a temporary outage. This issue persisted for months, and in XXXX of XXXX, I contacted XXXX 's Executive Customer Relations team via emailing XXXX executives. My correspondence went unanswered several times until I continued to email their executives. Eventually, a customer relations representative reached out and offered no assistance. I advised them that I demanded for my phone installment plan to be credited and my account closed, so I could take my business to another provider. XXXX refused to provide any type of billing credit or credit to close my device 's installment plan. After weeks of non-compliance from XXXX, I cancelled my account by porting out. Several months later, I am now receiving a bill for {$800.00}, as XXXX is unwilling to reach a resolution because I won't play their bait and switch games. XXXX has sent my balance to multiple collection agencies which have failed to provide validation for the debt and violate FCRA and FDCPA regulations. After challenging the first collection agency, XXXX sold the debt to another agency. 

XXXX initially sent my debt to XXXX XXXX, which sent me an email regarding a balance. Upon sending a debt validation letter, XXXX XXXX did not reply within their required 30 days. After not hearing from XXXX or XXXX for a month, I received a debt collection notice from I.C. System Inc. at the end of XXXX, which I have mailed another debt validation letter, on XX/XX/XXXX. XXXX can not continue to buy back debt for a contract that XXXX violated by not providing proper service as promised, and sell it to a new debt collection agency each time they're challenged by me, as they clearly can not provide the necessary proof that the debt is mine and XXXX should be on notice that they had violated their contractual agreement to me, which I will not be paying for, as I cancelled my service and took my service elsewhere.
Consumer complaint received 2018-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT WITH EXPERIAN. I RECIEVED A RESPONSE BACK FROM EXPERIAN STATING THAT THEY VERIFIED THE LISTING AS BEING MINE. I CONTACTED THE BANKRUPTCY COURT CLERK, AND WAS TOLD THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. SEE ATTACHED LETTER .EXPERIAN PROVIDED NO PROOF OF VERIFICATION .NOT A NAME OF THE PERSON WHO VERIFIED THE INFORMATION WAS PROVIDED.NO DATE, NO TIME.EXPERIAN JUST  LISTED THE ADDRESS OF THE BANKRUPTCY COURT.EXPERIAN IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE LISTING IN QUESTION IS BANKRUPTCY ( NO.XXXX ) AND SHOULD BE IMMEDIATELY DELETED FROM MY CREDIT FILE.
Consumer complaint received 2018-07-21
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: Experian Information Solutions Inc. (MI)

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR  FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ACRANET INC (IL)

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX Acranet-XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Driveway Finance Corporation (DE)

I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding the repossession of my vehicle without prior notification and the subsequent closure of my auto loan account by your company, Lithia/Driveway Finance . This action has not only caused significant inconvenience but also appears to be in violation of both Delaware state laws and federal regulations governing repossession procedures and consumer rights.

On [ Date of Repossession ], I discovered that my vehicle had been repossessed without any prior warning or notification from Lithia/Driveway Finance . Despite being a diligent and responsible borrower, I was not provided with any opportunity to rectify any potential issues with my account or explore alternative solutions to prevent repossession, as mandated by Delaware law Delaware

Code Title 6, Chapter 9, 9501 et seq. Furthermore, it has come to my attention that I was not informed of the auction where my vehicle was to be sold, depriving me of the opportunity to reclaim my property as permitted under Delaware law Delaware Code Title 6, Chapter 9, 9531. This lack of transparency and failure to adhere to legal requirements not only violates my ri
ghts as a consumer but also demonstrates a blatant disregard for ethical business practices.

Additionally, I must emphasize that the closure of my auto loan account without providing proper notice or opportunity for resolution is unacceptable. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, creditors are required to provide consumers with written notice before taking adverse actions, such as closing an account, and must furnish accurate information to credit reporting agencies. Failure to comply with these regulations may result in the removal of any adverse credit reporting associated with the account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

Jefferson Capital System is continuing to report a debt in collections that I paid on XX/XX/2024. I have stated several times in disputes file with the credit reporting agencies that this has been paid to the original creditor, and Jefferson Capital System is obviously NOT performing due diligence as they keep saying that it is valid.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I am trying to access my data at Experian but the information they have on file is incorrect and there is no way to reach a person to get help. The computer system is unable to help but there is no option to get to a person. 
I have tried many times without success. 
It seems Experian does not have any humans that can help with issues. 
If you could help me get in contact with Experian that would be so helpful. 
Thank you.
Consumer complaint received 2022-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NC)

On XX/XX/XXXX my payment portal gave me the option to pay an escrow shortage amount of XXXX to prevent my payments from being increased. I paid the shortage expecting my mortgage payment to not change. On XX/XX/XXXX I went into the payment portal to find my mortgage was increased anyway. I called veterans United and was told that it only covers the previous escrow and not the current. I stated that was true since the payment system states PAY DOWN YOUR SHORTAGE XXXX Available until XX/XX/XXXX PAY DOWN YOUR SHORTAGE The escrow account analysis resulted in an escrow shortage. To recover this shortage, we have increased your monthly payment for at least the next 12 months. If you would like to prevent this increase in the payments, you can choose to pay the shortage in full. Paying the lump sum payment is not required and completely voluntary. If you choose to make this lump sum payment, it must be received by us prior to the increased payment effective date listed on your most recent escrow analysis statement. 

I feel that veterans United is using unfair business practices by not fully disclosing that mortgage can in fact still increase even if this balance is paid.
Consumer complaint received 2022-02-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX  ).
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (OH)

Ive tried to get this off my credit for months on a repossession of a XXXX XXXX XXXX XXXX XXXX I didnt have that on my credit score and it was saying I owe XXXX towards the repossessed car
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MI)

Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

AMEX XXXX XXXX {$5400.00} AMEX XXXX XXXX {$1300.00}
Consumer complaint received 2019-10-18
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. (MD)

I submitted a investigation request to Equifax on a delinquent account on my credit file, they responded back that they verified and that the account is correct ; I do not own the money the doctors office got paid by my insurance ; Equifax is not throughly investigating if anything they are calling the collection office but arent requiring any proof : the collection office doesnt communicate with the doctors office and vise verse ; now Equifax is just agreeing with the collection agency without properly requesting proof
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (TX)

XXXX XXXX {$7900.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an overdraft line with Bank of America, rarely use it. I used the line late XX/XX/XXXX after not having used it for most of XXXX. 

I login to Bank of America website everyday to see my balances and make sure everything is okay. 

On XX/XX/XXXX, I received a credit alert from my credit monitoring service that my score dropped from XXXX to XXXX overnight, due to a late payment reported by Bank of America on this credit line. Looks like they expected a payment of {$25.00} by XX/XX/XXXX and did not acknowledge that I paid {$25.00} on XXXX and another XXXX on XX/XX/XXXX. 
. 
I called bank and made a complaint and asked them to reverse the late status which they reported to credit bureaus. 

They sent me a letter dated XX/XX/XXXX that they investigated, they are correct, I was late, and they will not remove the late status from my account. 
I consider their actions unfair, unlawful and egrigious. My credit score dropped by XXXX points overnight due to this erroneous reporting. I want the late status removed from my credit report.