davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month XXXX  plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Last month I used XXXX XXXX at Capital One to pay my XXXX XXXX XXXX. The total I wanted to pay was {$210000.00}. This was a payment for my husband and my retirement trip. I could not make it in XXXX lump some. I paid XXXX to be delivered by XXXX XXXXXXXX XXXX XXXX by XXXX XXXX, and XXXX by XXXX XXXX XXXX. The XXXX was taken out on XXXX and delivered to XXXX XXXX by XXXX. XXXX XXXX confirmed this. XXXX was taken out on the the XXXX and XXXX and said delivered on the XXXX and XXXX. XXXX XXXX did not get this payment. When I called Capital One they said because of the weekend and XXXX XXXX XXXX it was probably running a little late. I did not understand this. Yesterday I went into Capital One and was told that XXXX XXXX XXXX have these payments. When they checked further they found it was a paper check that was sent by mail and would take 4 to 5 business days. It told them that is not what I was told or how the other payment of XXXX was done. When they call to get a negotiation of funds letter that person told them it might take 7 to 10 days to get he funds. I transferred the money to them back in XXXX and allowed 7 to 10 days for it to clear. They had it cleared and sent. The bank person at the XXXX XXXX in XXXX XXXX - XXXX told me they would pay up to {$100.00} if it was a problem with them. My fees will be a lot more than that with XXXX XXXX. I feel that I have been misled and they are using my money incorrectly. If I had wanted to put my check in the mail I would have done that. Since I have had checks stolen from the mail I do not do that. If I send anything I use XXXX XXXX so it can be traced and I do it overnight. There is no reason Capital One should do this and their employees didn't know what was going on. If I stop payment on the check that will take at least 3 days and my bill will be delinquent.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

I do not know why they are calling. My complaint is for Caller ID spoofing. This company has repeatedly called from spoofed phone numbers that appear local to me. 

These are a few of the calls, but they've been calling me for a while. If a more thorough call log is needed, I can provide that XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (TX)

XXXX XXXX XXXX XXXX, TX XXXX - home closing was to be on XX/XX/2019 according to all signed contracts. 

I am the seller, I was told first of all that the closing would be early XX/XX/2019, then pushed back to XX/XX/2019 due to buyer gift money. 

Loan office XXXX XXXX communicated with me several times on Friday XXXX assured me that the file would be sent to title on the XX/XX/XXXX which did not happen, XXXX central time was told again now the file should be sent on Monday at XXXX central time. Now it is XXXX central time and no file and no call back on the status of the buyer loan. No communication at all to provide an update. 

The name of the mortgage company is XXXX XXXX XXXX I have requested that two letters be written 1 ) My existing mortgage company with an explanation 2 ) A letter in regards to a major purchase XXXX XXXX XXXX or XXXX
Consumer complaint received 2019-06-17
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. (CA)

It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE
Consumer complaint received 2023-03-31
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. (AZ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (WA)

I was offered a retention bonus of XXXX membership rewards points in XX/XX/XXXX. They never posted. After calling in several times over the course of XXXX months, and several guarantees that the points would post they never did. All of the conversations were recorded by American Express. American Express lied to me on several occasions saying that the points would post " in a week.. '' or assuring me the points would " post soon ''. They XXXX told me 8-10 weeks, and at the 10 week mark I called in and was told 4 more weeks. At the 14 week mark I called in and was told 4-8 more weeks. The result of this caused me to lose out on an annual fee refund if I closed the card instead of accepting the retention bonus. The total resulted damages from the non-refund was XXXX {$250.00}.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

XXXX XXXX Hospital and services were cancelled and billed paid. when bill received proof of payment provided more than 3 yrs ago. Company sent to collection agency IC systems who were also advised of both paid prior and dispute. Both companies rude, unprofessional and refused to resolve the matter! 
Unacceptable customer TREAMENT and account handling!
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

MY CREDIT REPORT IS SHOWIMG A DEBT UPWARDS OF XXXX on my credit report im in the mist of doing huge things. XXXX is purchasing a house for my family this is holding me back.the information is incorrect
Consumer complaint received 2023-03-31
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. (GA)

A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.
Consumer complaint received 2023-03-31
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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report 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 2019-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2019 my Venmo account was frozen, it is attached to my email XXXX phone number XXXX. With it frozen I was not allowed to move my Venmo balance of over {$1400.00} I reached out to customer support with no help other than a specialist will email. They reached out stating I owed a balance of {$270.00} to Venmo. I told them that my balance can be taken so I can resume use. They agreed as well. 

It was finally taken on today on XX/XX/XXXX plus an extra {$200.00} was taken which when I called today they exclaimed they did not know how this was happening. Even after it was taken, my remaining balance still can not he withdrawn to my bank account linked. 

To make matters worse they have been deceiving as on XX/XX/XXXX, I received an email from a XXXX XXXX who is an account specialist. He stated in his email that my balance was available for withdrawal as early as XX/XX/XXXX, which is incorrect as I still can not. They are also quite unresponsive as I have emailed the email they told me to reach out to multiple times to no response.
Consumer complaint received 2019-06-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Associates Loan Servicing LLC (NC)

After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north  of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX  to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
Consumer complaint received 2023-03-31
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. (TN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Requested mortgage assistance with my property I have submitted financials to the mortgage service Select Port Folio. 
Please Help I don't want to lose my property. The bank is very difficult to work with. I reside in the property to assist my elderly Mom whom need my help.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: ENCORE CAPITAL GROUP INC. (MI)

I had a credit card account with some company for ordering online ( think for clothing-XXXX? ). At that time I was employed. In 2016 I was forced to quit working due to XXXX XXXX. I waited until I was reahed age XXXX years and applied for Social Security benefits. Social Security is my only source of income. Some collection company called " Midland Credit Management '' has called me attempting to collect. The callers are foreign, English is horrible ( some guy named " XXXX XXXX ''. I swear this guy is from XXXX. He wanted me to give him my Social Security number over the phone. I believe this is illegal. I know they can not garnish Social Security income and I have no assets. State of Michigan may seek reimbursement for Medicaid provided to me upon my death. I feel I am being harnessed. Not good for my health.
Consumer complaint received 2023-03-31
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I made a partial payment on my loan last month USAA auto loan and the young man asked me when would I be able to pay the remainder of the loan I explained to him that I was looking for the funds to come to me within a week or two he gave me a date I said yeah probably around that time he in  return takes and makes that date the date to have the money withdrawn from my account which I did not come out my mouth tell him to take this money out of my account on this date which caused me {$28.00} over draft fee. I tried to dispute it and they refused dispute. Now they are charging me other {$28.00} for the same thing.
Consumer complaint received 2019-10-03
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. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2023-06-13
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)

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

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

XXXX XXXX XXXX XXXX ) Account number : XXXX Contract XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX 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
Consumer complaint received 2016-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (RI)

We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

Are you the original creditor? Can you prove to me beyond a reasonable doubt that I have a signed agreement agreeing to pay your company? 

How did your company obtain my medical information? Can your company prove that I authorized your company any type of written consent to obtain my medical history If you cant present me with proof that I allowed your company to obtain my medical records then your company is in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996
Consumer complaint received 2016-11-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP (FL)

A lady claiming to be named XXXX from Capital Management ( XXXX contacted an associate of mine claiming I had given them their name and phone # as a contact. 

I have never given this persons name and phone number to anyone and I have no idea who Capital Management is. 

I want these people to cease and desist harassing both me and my friends.