davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I am writing a complaint against ALDOUS and associate, I am aware they are currently gathering their " VALIDATIONS '' together to present to me although I know this is a stall tactic because they had two times prior to show what they had if they had it proof of validation. In addition, they are in violation pursuant to 15 USC 1692g ( b ), they are supposed to cease to collect and remove from report until further notice. They are causing damages by having a collection on my consumer report. Congress states Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. { 15 USC 1692g }. This is also considered identity theft and as a consumer I have privacy. I will be taking an additional action very soon. according to 15 USC 1692k ( a ) ( 2 ) ( A ) PAY ME {$1000.00} AND DELETE OR I WILL TAKE THIS FURTHER. I CANT OBTAIN ANY CREDIT BECAUSE OF THIS COLLECTION ON MY CONSUMER REPORT
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

To Whom it may concern, This is my third complaint. I am writing about the response from Loancare to complaint # XXXX. First, My forbearance is for 6 months, not 2. Second I applied for forbearance on XX/XX/XXXX, and their site which specified that it would only take 3 days to review and get back to me with a decision - so I should not have pay in XXXX. Third, even if I could, their site does not let me and throws me right into the forbearance schedule. I am tired of this indirect harassment, especially during these times of crisis. Please have loancare stop it's predatory lending practices against minorities. Please read what the loancare representative responded to me and address as soon as possible. I do not want my credit to be affected. I have added evidence support to aforementioned statements. Read below : Please use this ticket number in any correspondence with us. 
Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Our records indicate that you are currently due for your XX/XX/XXXX monthly payment. Your forbearance began as of XX/XX/XXXX to XX/XX/XXXX. If you have any further questions or concerns please contact our Customer Service Department, Monday through Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX  to XXXX XXXX Eastern Standard Time at XXXX. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

XX/XX/XXXX I am in the process of doing a loan modification which had a deadline XX/XX/XXXX.I sent in all the documents and was told by an agent on XX/XX/XXXX, that all they needed was a Profit and loss signed and dated by me.I immediately mailed it by XXXX XXXX on XX/XX/XXXX expecting that that was all they needed I also uploaded all the documents on their website .I then get a letter on XX/XX/XXXX that the file has been closed because they did not receive my Business Bank Statements and my XX/XX/XXXX Tax returns by XXXX Agent # XXXX.I was told in the beginning that all they needed were my personal Bank Statements and XX/XX/XXXX and XX/XX/XXXX Tax returns which I already sent .This is total neglect, unfair and inefficient. 
You cant tell a client you received all his documents except the P & L and then close the application, because you did not receive other documents.

I am fighting tooth and nail to keep my house and I am dealing with people that make you feel like you are a mouse being held by their tail, in front of a hungry cat.Please make sure Flagstar rectifies their situation in dealing with me.I am going to send them the other documents by email and mail, they requested, but please make sure the application is reopened and I am treated fairly and justly in my application in this loan modification.
Consumer complaint received 2022-03-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 an account without my written instructions
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've made several attempts to dispute information on my credit file with Transunion and their updates never reflect any updates or changes made. According to the FCRA any information that is incorrect, must be deleted for inaccuracies. They have not done so. And my credit score has remained unchanged meanwhile XXXX and XXXX have updated most of my inaccuracies and my credit score.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a XXXX XXXX credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
XXXX XXXX has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from XXXX XXXX to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) XXXX XXXX wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by XXXX XXXX. XXXX XXXX will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX  I 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 an account without my written instructions.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

Debt was not validated by this debt collector and I have tried to send letters and emails without a response. Under FCRA laws they are required to orovide original documentation validating this debt is mine. If they are unable they must remove this supposed debt from all three of my credit reports.
Consumer complaint received 2018-12-12
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

I am a XXXX credit card account holder. I have called in to XXXX  credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX  charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one was FULLY paid, this was2018 i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. 
This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW- I WILL PUBLISH THE ABUSIVE MANNER YOU HAVE HANDLED A NIEVE KIDS EXPERIENCE AND MAKE IT PUBLIC SO PEOPLE KNOW NOT TO USE YOU AS THEIR BANK AS YOUR NOT TRUST WORTHY
Consumer complaint received 2022-03-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and credit control corpAccount # 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 an account without my written instructions
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX  credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diaz & Associates, Inc. (VA)

This company reported a collection on my credit report without first notifying me via USPS that a collection was pending. I do NOT have any back debt. I do NOT owe anyone for this debt. 

o Im the victim of identity theft, I have my reports frozen, I am listed with the FTC as a victim of identity fraud, and I do not recognize this account. 
o I want this account immediately removed from my report. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires prior notification to the consumer in case the debt information is not correct. 

I keep my credit reports frozen for solely this reason and keep a very good eye on the reports. I have been a victim of credit/identity theft for years.
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION (WA)

In XX/XX/2018, UMB Bank was the custodian of my health savings account ( HSA ) and I asked that my funds be transferred to a new custodian. UMB Bank did not disclose that they were planning on taking {$25.00} from my HSA as a " fee ''. I contacted UMB Bank to request a refund for the {$25.00} they appropriated and they said that what they were doing was customary and they would not refund the " fee ''. I asked them if it was customary to charge an undisclosed " fee '' to customers. They responded with the following non-sequitur : we can provide a copy of a transfer form which mentions the fee. They also said that they had disclosed the fee to " XXXX XXXX XXXX '' which was briefly ( i.e., for a few weeks ) my HSA administrator.  When I asked UMB to provide a record of that disclosure they said they would not do so since " XXXX XXXX XXXX '' was their client.
Consumer complaint received 2018-04-25
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. (MO)

There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.
Consumer complaint received 2018-12-12
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)

Was informed that someone fraudulently attempted to open an account under my name with XXXX XXXX. Fortunately, the account was not opened, however I wished to have the fraudulent inquiry removed from my report with Experian. The letter I received from the bank provided a number to contact with Experian to have the information removed. I have spent the past 2 hours attempting to get a live person on the phone, always ending in the same dead end on the phone tree with no help/options for this issue. When I attempted to dispute online, through the credit bureaus website, I was ultimately provided with a phone number to call to lodge my dispute. When I call that number, it ultimately leads me to the same dead end. This leaves me with zero recourse for the dispute.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Signed up for a Mortgage load. Credit company was unable to obtain Experian credit report. 
My login to Experian has been blocked so I can not lift the freeze. 
see below : Membership ID # XXXX Sign In Access denied Error 16 usa.experian.com XXXX XXXX UTC What happened? 
This request was blocked by our security service Your IP : XXXX Proxy IP : XXXX ( ID XXXX ) Incident ID : XXXX tried calling at XXXX - after 3 people couldn't help me, couldn't give me their ID # and couldn't transfer me to their supervisor, I finally reached XXXX # XXXX XXXX XXXX Still couldn't resolve problem. 

Without help from agents and my login blocked- with my membership id showing, Experian is intentionally stopping me from buying a home. My Member ID clearly shows in the Heading of the Error XXXX page - prevented by security.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

My XXXX Credit report showed a closed account with Comenity Capital Bank as having been 60 days overdue with the highest balance of {$900.00} higher than the credit limit of {$500.00}. The account was reported late due to a disputed {$7.00} finance charge that I was unaware of. In addition the report of an over the limit charge was incorrect since the limit was {$10000.00} when I made the last charge on the card. 

Between XX/XX/XXXX and XX/XX/XXXX, I made purchases totaling {$870.00} using my XXXX XXXX credit card account. That was the last time I made a charge on the card. 

I made the full payment of {$870.00}, which was debited from my checking account on XX/XX/XXXX. 

I moved from XX/XX/XXXX to XX/XX/XXXX at the end of XX/XX/XXXX and thought I had paid the bill in full so that I was not expecting a {$7.00} bill from the Credit Card company for accrued interests. I was completely unaware of the bill. 

In XX/XX/XXXX, I became aware of the issue and settled the matter with the Credit Card company by paying XXXX {$20.00}, which they demanded. I also requested that the card be cancelled at that time. 

On XX/XX/XXXX, as I was trying to refinance my home, I became aware that the Credit Card Company had reported a serious delinquency of over 60 days on my credit report. 

I contacted all three credit reporting agencies to dispute the report. I also contacted the Credit Card company by phone and sent a good will letter dated XX/XX/XXXX to the Credit Card company in an attempt to resolve the issue. 
The company responded negatively to the phone calls and did not respond to the original good will letter. 

I followed through with a second good will letter dated XX/XX/XXXX. 
The credit card company formally rejected my goodwill offer in a letter dated XX/XX/XXXX At least one credit reporting agency deleted the delinquency report. My credit report with XXXX  now incorrectly shows that I was 30 days late.