davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert W. Warner & Associates, P.C. (MI)

ON XX/XX/XXXX I WENT TO XXXX XXXX XXXX XXXX XXXX WARNER LAW FIRM IN XXXX MI AND SPOKE TO XXXX XXXX DIRECTLY TO INFORM HIM OF A DEBT DISPUTE WITH HTSP EXPRESSWAY APTS. THE DEBT FROM XXXX XXXX XXXX  APTS IS SHOWING ON MY CREDIT REPORT AS {$XXXX} OWED. I LIVED THERE UNTIL XX/XX/XXXX AT WHICH POINT I MOVED OUT AFTER MY LEASE EXPIRED IN XX/XX/XXXX. I WAS THERE MONTH TO MONTH AFTER XX/XX/XXXX AND INFORMED THEM THAT I WAS MOVING AND NOT RENEWING MY LEASE. BEFORE I MOVED OUT I TURNED IN KEYS AND SIGNED PAPERWORK. AFTER I MOVED OUT I WAS STILL RECEIVING EMAIL NOTICES THAT RENT WAS DUE. I FIGURED IT WAS A CLERICAL ERROR OR AN AUTOMATED EMAIL BECAUSE I INFORMED THEM THAT I WAS GONE. FROM XXXX XXXX XXXX I CONTINUED TO RECEIVE THESE EMAILS. FINALLY I GOT A BILL FOR {$XXXX IN THE MAIL AND HAVE BEEN DISPUTING IT EVER SINCE.I CONTACTED XXXX  AND THEY TOLD ME THAT XXXX AND XXXX WAS OUT OF BUSINESS AND A NEW COMPANY TOOK OVER. I FOUND THE COMPANY THAT TOOK OVER AND THEY HAD NO KNOWLEDGE OR CORRESPONDENCE ABOUT MY DEBT. I HAD TO CHASE THE DEBT DOWN TO GET ANY INFORMATION. I CONTACTED THE XXXXXXXX XXXX LAW FIRM VIA EMAIL AND PHONE ON MULTIPLE OCCASIONS AND GOT NOTHING BUT AN UNFULFILLED PROMISE TO RETURN MY CALL. THEY NEVER DID. I NEVER RECEIVED ANY CORRESPONDENCE FROM XXXX XXXX  LAW FIRM STATING I OWE A DEBT NOR WAS I EVER EVICTED OR SUMMONED TO COURT. I REQUESTED THEM TO DELETE THE DEBT BUT HE REFUSED. I ALSO SHOWED PROOF THAT I WAS LIVING IN A NEW HOUSE WHEN THEY STATED I OWED RENT AT XXXX. ALL OF THIS PROOF CAN BE SUPPLIED. THIS DEBT, HOWEVER INVALID AND EGREGIOUS, IS CAUSING ME TURMOIL BECAUSE I AM HOMELESS AND UNABLE TO SECURE HOUSING FOR MYSELF OR MY FAMILY. THIS DEBT IS PREVENTING ME FROM BEING A HOMEOWNER AND IS RUINING MY LIFE. ALL I WANT IS EQUAL OPPORTUNITY AND FAIR CONSUMER RIGHTS AS WELL AS FAIR DEBT COLLECTION PRACTICES.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY ()

Deposit funds in my account and was declined in public with great humiliation and embarrassment, after 3 days of disputing the discrepancies I decided to close my account. This is the second checking account with this Bank, the person on my first account pulled all finds out of my account and absconded changing my information, I had no contact from the bank addressing the issue. I have been contacted by the bank informing me of a negative account, I asked them to please have someone of authority to return my call to resolve the issue. It has been 5 days and have not received a call.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BlueChip Financial (FL)

Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Universal Account Servicing, LLC (GA)

I purchased a plan through a company called XXXX XXXX XXXX. I financed my plan with this company that uses Universal Account Servicing to do their billing. XXXX XXXX XXXX uses false advertising and misleads the public as to what services they are selling. It was not until my 2nd couching session that I realize what I had signed up for which was well out of my 72 hour cancellation period and I had been lied to. Every phone conversation that I have ever had with XXXX XXXX XXXX   and Universal Account Servicing has been recorded to an app on my phone. I'd be happy to share these conversations if needed. I have tried to cancel my account and contract with both companies. XXXX, has deleted me out of their system except for the financial part. UAS has told me that all they need is something in writing from XXXX  to cancel my contract. I have emailed UAS 2 different phone conversations with XXXX  where 2 different representatives of their company state that the contract has been cancelled, which is obviously a lie after I spoke to UAS. My problem with UAS is that they do business with a company that has salesman that lie to the public, their consumers, and that use false advertising and refuse to cancel my contract.
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-02-02
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. (FL)

To Whom It May Concern, This letter is a formal complaint that the following companies ( Equifax, XXXX, XXXX ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX BXXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXXL XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number XXXX XXXX The balance is {$0.00}, please correct FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX The balance is {$0.00}, please correct 15 US C 1692 Validation of Debts USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct
Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2019-10-12
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: Experian Information Solutions Inc. (IL)

I have reached out to XXXX, and Experian requesting that a XXXX XXXX XXXX on my report be verified and provide proof of verification and if it couldn't be verified I requested the information be deleted from my credit file. Both XXXX and Experian claim the information was verified by a third party XXXX XXXX. Under the FCRA this information is not to be verified by a third party, the bankruptcy court should be the furnisher of the information. I have contacted the bankruptcy courthouse and they indicated that they dont provide verification information to third parties. So I dont believe XXXX  and Experian properly/legally verified the information as they claim to have.
Consumer complaint received 2022-03-12
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. (OH)

In the Recording with the Fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1581 section 602 A State I have a right to Privacy.

115 U.S.C 1681 section 604 section 2 also states A consumer reporting agency can not parish account without my written construction.
Consumer complaint received 2019-10-12
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. (IL)

XXXX and XXXX  have complied with my block request. Equifax refuses to comply with my block request. They refuse to move the listed accounts from my consumer report.
Consumer complaint received 2018-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/2017 XXXX XXXX XXXX {$890.00} On the above mention date XXXX XXXX XXXX   responded to a letter that I sent to them and the credit bureau to validated the negative items that they have been reporting on my credit report. I ask the credit bureaus and Midland to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Midland did not send me a letter to dispute the debt, they just went ahead and add it to my credit report with no means of contacting me, I didn't have knowledge of this until last year, when I started pay close attention to my credit report because I kept being denied for credit.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 I transferred {$160.00} to XXXX XXXX. It was a sneaker company that scammed me. His email is XXXX. I was trying to contact him for months requesting my money. But he ghosted me. Then he blocked me on everything. My bank still hasnt responded to this incident so now I am turning to you.
Consumer complaint received 2019-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (LA)

On XX/XX/2019 I received a letter and phone calls from AMERICOLLECT stating that I owed them payment from a Hospital Statement. I contacted AMERICOLLECT Specifically Asking for a SIGNED CONTRACT BETWEEN MYSELF AND AMERICOLLECT STATING THAT I WAS OBLIGATED TO DO BUSINESS WITH THEM. They in return created a False Contract with AMERICOLLECTS NAME AND MY NAME ON WHICH IS NOT A ORIGINAL CONTRACT. I have contacted them several times about this and they have not fixed the issue. They have reported it on my Credit Report and I also disputed it there as well. I know that these companies buy debt for PENNIES ON THE DOLLAR AND COME AFTER US FOR THE REMAINING BALANCE. The Hospital wrote the Debt off and again I Never Signed a Legal Binding Contract with AMERICOLLECT INC. IF THERE IS NO WET INK SIGNATURE WITH MY NAME ON A CONTRACT I HAVE NO OBLIGATION TO THIS COMPANY. I also Informed the representative that I was tapping the call as well and informed her that I knew that there was no signed contract between myself and AMERICOLLECT INC. Please contact me at your convenience about this matter and I Appreciate your time.
Consumer complaint received 2019-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

In my recent complaint case # XXXX, the Bureau decided to close my complaint without a resolution. Filing another complaint hopefully to offer more detail in my appeal. ****next line**** In light of my original HELOC inquiry, the banker should further clarify the following items 1 ) it did not FINALISE the removal of the lien as agreement upon the closure of the HELOC ( XX/XX/2019 ), instead, it took several weeks to complete the recording in county 's office after the closure 2 ) the banker did not inform me upon the recording, 3 ) the banker 's website suggests that as of today XX/XX/2019, the HELOC account remains open and valid, 4 ) the banker suggests a 45 days timeframe to answer my inquiry which is unacceptable. 5 ) The banker referred to a " reconveyor fee '' and a " demanding fee '' amounted to the " early termination fee '' that is irrelevant and nowhere found in the HELOC account agreement. 6 ) There is no subject amounts/reasons for fees associated with the said " early termination fee '' in the HELOC account agreement, this resulted in banker 's favour which would allow that the banker to arbitrarily impose fees with no caps upon the closure of the HELOC. 7 ) The bank provided irrelevant escrow documents to answer my complaint. Instead, it should explain the terms/condition in the HELOC account agreement.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on or about XX/XX/XXXX I called TransUnion regarding unauthorized inquires on my credit report. I believed I've been victimized and Im humbling asking that the problem be rectified. 
I had a concern about Inquiries on my TransUnion report. TransUnion did not follow proper procedure as laid out in the Fair Credit Reporting Act when reinserting those inquires. Under the Constitution the  inquires in question must be removed from my TransUnion report.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: LD Holdings Group, LLC (PA)

On XX/XX/2024, I received a letter from loandepot in XXXX, PA regarding data security incident involving my sensitive personal information. I have no knowledge of this company called loandepot opening any accounts in my name. I was shocked to have received this letter and feel personally violated by this action. I am a victim of identity theft and have frozen XXXX, XXXX and XXXX years ago. I would like to find out what is going on and what accounts have been opened in my name. I would sincerely appreciate anything that your agency can do in helping me to remedy this situation. 

Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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. (NY)

I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with Transunion, and it wasn't removed. All Transunion keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is Transunion still showing that old account. This account should not be on my credit report. 

File number : XXXX
Consumer complaint received 2019-10-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

I am XXXX  XXXX. Navient cancelled my private student loans. Yet one private loan sits in repayment. I keep getting emails directing me to call Navient. I do not have a telephone, I can not " telephone '' Navient. It seems like Navient is just placing me in a XXXX. I have sent whatever documents have been requested, for a XXXX XXXX XXXX ( XXXX ) discharge. Yet I keep getting, emails requesting me to visit their website, to view bills. Zero updated response to my re-submittance of XXXX   documents. Why is Navient not responding, by acknowledging that they received my XXXX paperwork, more than once. That paperwork was mailed with the following tracking number ( XXXX ). Its status is delivered : XX/XX/XXXX at XXXX XXXX Delivered, Left with Individual XXXX XXXX, PA XXXX How many times must I submit XXXX   papers. I re-sent those documents on XX/XX/XXXX. I have that second tracking number buried somewhere, that reported its delivery. As mentioned, repeatedly, Navient has received and approved my private student loan total XXXX  XXXX cancellation. But still has one loan as past due within its system.

Navient knew one year ago that I had been approved for XXXX at the federal level, but, had me resubmit XXXX paperwork for my 2 private student loans, as if Navient did not have both Federal and private loans under the same account number. Of course Navient sent a Litigation Review Pending letter, which made Navient look extra-special. My account was placed on a XXXX  XXXX hold on XX/XX/XXXX. The day it received my certified mailing of its latest XXXX paperwork request.
Consumer complaint received 2021-04-17
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: Choice Recovery, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than toCHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization
Consumer complaint received 2019-10-12
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: JPMORGAN CHASE & CO. (CA)

I'm filling a complaint with Chase Auto. For 5 years I've made on time payment with auto pay. A few years ago I noticed on my credit report was reporting an incorrect " 30 day '' late XX/XX/2017. I have disputed but neither Chase nor the credit bureau can give any proof I was late and are refusing to correct it.
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

It is astonishing to me that my previous complaint ( XXXX ) was closed and deemed resolved on the basis of a completely unsubstantiated and UNRESOLVED response from the Mortgage Company ( Rushmore ),  without ANY feedback from me, as to my level of satisfaction. 
The response involves statements which are inaccurate, to which I am given no opportunity to respond, and the issues are in no way resolved. 
I am, therefore, re- opening this complaint and will continue to do so until it is resolved to the satisfaction of all parties concerned.