davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter  has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

I have contacted XXXX numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both XXXX and the collection agency and they have failed to provide adequate documentation. I have attached a copy of XXXX XXXX decision to this complaint. Please remove this account it does not belong to me.
Consumer complaint received 2018-09-13
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 — Problem with personal statement of dispute
Company: Pacific Union Financial, LLC (CA)

Hello- I am complaining about Pacific Union Financial not removing the XXXX   30 day late from my credit reports. Pacific Unions practice is to report late only if delinquency runs in to the following month. I had some financial difficulties starting from XX/XX/2018. However, prior to this year, I have not had a late mortgage payment. I submitted my XXXX payment on XX/XX/XXXX during the day through electronic payment postdated XX/XX/XXXX. However, by error the bank that I submitted the payment through XXXX XXXX, mailed a check vs. instantly initiating the ach payment. This error caused my XXXX mortgage to be late. I obtained a letter from XXXX XXXX on their letter head accepting responsibility. Yet, Pacific Union Financial ( the mortgage company ), wont reverse the late payment status. Yes, I pay my mortgage on the end of month, but I always do. And, again, their practice is to report only if delinquency crosses in to the next month. Please help. This is not right of them to choose not to remove the late notice for XXXX just because they have the power. Pac Union asked me to get a letter from XXXX XXXX taking accountability and I did provide it. I also submitted to the three-major credit bureaus myself. 
Thank you, XXXX XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}. 
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (LA)

I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.
Consumer complaint received 2018-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.
Consumer complaint received 2022-11-14
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. (TX)

I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2022 Disputing personal information XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: LEXISNEXIS (IL)

In accordance to the Fair Credit Report Act XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XXXX switched from XXXX to XXXX and chose Citibank as the provider. Citibank canceled my card when I closed my XXXX account. I had a balance and continued to make monthly payments through autopay. Citibank deducted the amount from my bank account automatically. I tried to login into my Citi account online. After a lot of hassle trying to login, eventually I was informed that they closed my online access because my card was canceled. I was unable to access my account online due to their " policy '' choices. Consequently, I was unable to see my balance and the current interest rate. I was also not allowed to set my statement preference to paper billing. Thus I was unable to view my account online and they wouldn't even send me a statement monthly. I was told I could request a statement to be mailed to me, but they will not send them automatically each month. 
In order to request a statement I have to call in and jump through their phone-robot hoops, then wait on hold for a bank representative to positively identify me and then take my request for a paper statement. This is a substantial WASTE of time just to receive information that should be readily available to all customers, all so Citibank can keep their operating costs far below the bare minimum necessary for adequate customer service. 
In XXXX I called Citibank and authorized them to withdraw funds from my checking account to payoff my account in full. They quoted me the payoff balance and I agreed. They withdrew the funds and closed my account. I asked for confirmation that my account is closed and they sent me an email. The email states that my account balance is zero and the account is closed. In XXXX I received an email that my balance is $ XXXX [ between {$10.00} and {$20.00} ]. I clicked on the link in the email to contact them. The link led to a page that never populates, only for the word " loading ... '' appears. 
How is it OK for one of the biggest banks in the world to operate with either severe incompetence or utter disregard for its customers? 

Attached screenshot was taken several minutes after clicking the link. It is the same result after trying multiple times.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I work part time, 3-4 days a week up to 5 hours each day. When at work i can not receive personal calls and have very limited to complete the tasks at hand to maintain my job. I have messages stacking up on a daily basis from XXXX XXXX Office of Rash Curtis and Associates harassing coworkers to get me on the phone, when either I am already on the phone or with customers, and disrupting my work performance. Complaints are being made to my superiors about these calls as they are very rude and angry to the receptionist Our phone calls are recorded and monitor so there is proof of the harassment to the people at my job. Calls are even made on days or time that I am not even in the office. I have school Monday through Friday and work in between or after school for about 18-20 a week. I leave my house XXXX to XXXX most days to just to get by and I can not afford to lose my job because of complaints to my supervisors because staff members are being harassed by someone trying to reach me when I am unreachable unless by appointment at my job,
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I got behind on my car payments and I notified CapitalOne on XX/XX/2018 that I was unable to make a payment on XX/XX/2018 ; however, I could make it on XX/XX/2018 via debit card since I got paid on 09/14/2018 and that I would also make a payment on XX/XX/2018 when I got paid again. This conversation was on a recorded line and in the company notes and approved by the representative I spoke with ; however, they repossessed my car at work on XX/XX/2018. When I called them 2 different people at CapitalOne confirmed that my payment arrangement for XX/XX/XXXX was noted in their system, but somehow it got deleted. 

They are now telling me they have to research the issue to determine if they made a mistake and obtain management approval. It could take 3-5 business days to resolve the issue. I am stranded without a car and have no way to get my personal possessions out of the car or get to and from work. My garage door opener is in my car so I have no way of getting into my house. I have taken on a 2nd job to get caught up and now I won't be able to work that job this weekend either. They are also saying if they determine that they were right in repossessing my car, I will have to pay the past due amount, late fees, and a repossession fee of {$520.00} within 10 days or my car will be sold.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MO)

My mortgage servicer is not applying payments as should, XXXX XXXX XXXX, and they are missing payments which were sent to be applied to the loan. 
Payment amount has been raised over {$600.00} since XX/XX/XXXX which none of those payments have been applied to our loan.
Consumer complaint received 2019-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I took out my loan in XXXX. I continuously pay more than the balance owed. instead of applying the additional money to principal they apply to future payments forcing me to pay them interest. The only option to apply to principal is difficult. I believe that this to to force me to continue to pay them interest and add to their profits. I feel this is very deceptive and abusive. I feel cheated out of hundreds of dollars. I currently am due for an XX/XX/XXXX. The full year 's worth of payment would have reduced my principal by over {$5000.00}. I continue to be charged interest on this balance.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (NJ)

I originally contacted Guaranteed Rate Affinity ( GRA/Lender ) back in XX/XX/XXXX to be taken out of COVID-related forbearance, and to be considered for a retention workout ( deferment and/or loan modification ) of my unpaid balance. 

The company informed me that I needed to make on-time monthly payments starting XX/XX/XXXX as they " worked toward a retention workout solution. '' I have made on-time payments every month from XX/XX/XXXX through XX/XX/XXXX ( 7 payments as of today, with the 8th payment scheduled to arrive by XX/XX/XXXX ), but I have not received any resolution. 

During this time, the lender has denied my request for a deferment of the unpaid balance. The lender did not provide any documentation or explanation regarding their deferment denial decision. I requested to be considered for a loan modification. The lender denied my request for a loan modification. The lender did not provide any documentation or explanation regarding their loan modification denial decision. 

According to my records, I have reached out to the lender on the following dates since XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During these calls and emails to the lender, although I requested to speak with the Specialist assigned to my account, I have never spoken to the Specialist assigned to my account. However, I have spoken to customer services representatives ( CSRs ). Each time I have spoken with a CSR I have requested to following : - Information supporting their deferral denial and loan modification denial decisions.

- Escalated service support ( a callback and/or email response ) from a manager for the specialist working on my loan account.

- Information to submit an appeal to their deferment and loan modification decision.

I have not received any information regarding my requests.

I am without any resolution, and the lender continues to vaguely respond by stating : - " Management is working on getting a resolution. '' - " Please continue to make on-time payments until we receive the resolution. '' - " The specialist working on your account is not available at this time. '' I am in " limbo '' without any next steps information, and I am unable to refinance my loan with another lender due to this. The lender is negligent, untimely, and unable to service its paying customers.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XXXX of 2022. My card was charged for the amount of {$XXXX} and then XXXX weeks later it was charged again for {$XXXX} From the same company ( XXXX XXXX ) I have contacted Wells Fargo when I saw the first charge and informed them that my card was stolen. Yet a charge poped up out of no where and they should have have block these transactions. 

They promised they fixed the issue. Then like I mentioned XXXX weeks later, another charge poped up. 
I called and waited on hold for hours. I was transferred from department to department and they themself seem to not know how to fix or even understand whats going on. I have been a customer of wells since I was in middle school. Never ever filed a fraud or dispute in my life. Never been late to a payment all these years. Yet they are treating me like this. 

I have explained that they can check my credit history, I never purchase from XXXX XXXX like ever. The closet store is hours hours away from me. 

They declined my statement and send me a letter saying that am the one made these payments. Even tho I have provided evidence showing I have not made these. This is outrages and unacceptable
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.
Consumer complaint received 2022-08-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (AR)

Using Veterans United Home Loans for a VA loan on a home .... First I was 'required ' to provide a telework agreement because I work in a different zip code from the home I'm purchasing. I was told they don't normally disclose it to buyers that if I don't have a telework agreement then they add the mileage to my debt-to-income ratio and re-run my qualifications. Once I told them it would take 10-20 business days to get the telework agreement completed they CHANGED THE REQUIREMENT to only having to write a letter of explanation. I requested to get their supporting guidelines/ policies/ regulations in written form. They refused to provide them. 
I informed them that they are acting in Bad Faith by not disclosing these " requirements '' and the reasons for them. 
Since this was not initially disclosed to me there is nothing showing that I acknowledged this requirement BEFORE entering into contract with them. I researched the VA 's guidelines and found that this is a recommendation but that the VA does not define the " reasonable proximity ''. It is up to the lender and usually only done when the buyers debt-to-income ration is above 40 %. 
I've since been given a DIFFERENT reason for needing the documentation - because I mentioned that I would be teleworking ( albeit not 100 % ). 
Since this in NOT normally DISCLOSED TO THE borrower there is potentially thousands of other borrowers who were deceived and possibly even denied loans or charged higher interest rates due to whatever guideline or policy is being used to enforce this.