davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Merchants' Credit Guide Company (AL)

Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

THIS ACCOUNT XXXX XXXX XXXX XXXX HAS BEEN PAID RECEIVE MAIL XXXX XXXX XXXX/SYNCHRONY BANK SAYING OWE XXXX FOR FEES THAT WAS CREDIT BACK BY THE XXXX NOW AND NOW THEY ARE SAYING I OWE WHICH I DO NOT OWE THEM I PAID THIS ACCOUNT IN FULL I DO NOT OWE THEM ANYTHING.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

ON XX/XX/XXXX I WROTE TO MIDLAND FUNDING IN REGARDS TO A COLLECTION THAT THEY PLACED ON MY CREDIT FILE ON XX/XX/XXXX. THEY LISTED THE ACCOUNT WITH AN OPEN DATE OF XX/XX/XXXX. ( SEE ATTACHED LETTER TO MIDLAND ) IN RETURN THEY WROTE BACK TO ME ON XX/XX/XXXX WITH A ONE PARAGRAPH LETTER STATING THAT WHAT THEIR NOTES INDICATE, THE PREVIOUS CREDITOR 'S NOTES AND THEY THEY REPORTED TO THE CREDIT BUREAUS IS ACCURATE. 

I SENT THE A 2ND LETTER DATED XX/XX/XXXX ASKING THEM FOR THE INFORMATION THAT THEY HAVE IN THEIR RECORDS TO VALIDATE THIS DEBT AND ONCE AGAIN THEY ONLY PROVIDED ME WITH THE EXACT LETTER FROM XX/XX/XXXX BUT WITH A NEW DATE OF XX/XX/XXXX XXXX
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Dear Sir/Madam, I am writing to file a formal complaint against NewRez LLC XXXX a mortgage servicer, for potential violations related to interest accrual and reporting practices. It has come to my attention that NewRez may be increasing the unpaid principal balance ( UPB ) during the forbearance ( FB ) plan period, resulting in an inflated interest-bearing amount and interest accrual on interest. Furthermore, NewRez has been consistently reporting an increased principal balance to the credit bureaus on a monthly basis. I believe these practices are in violation of applicable regulations and guidelines. 

I assert that NewRez, as a mortgage servicer, is not capturing the delinquent interest accrual separately, increasing the note amount. This, in turn, raises the interest-bearing amount, leading to interest being charged on interest. Such practices may be in contravention of the rules established by relevant regulatory bodies, including the Federal Housing Finance Agency ( FHFA ) and the Consumer Financial Protection Bureau ( CFPB ). 

In light of the above, I kindly request the following actions to be taken : Investigation : I request that the CFPB conduct a thorough investigation into NewRez 's interest accrual and reporting practices during the forbearance plan period. The investigation should assess whether NewRez is increasing the XXXX XXXX XXXX, leading to an inflated interest-bearing amount and interest accrual on interest. 

Guidance : I recommend seeking clarification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX or the CFPB regarding the permissibility of increasing the principal balance during the forbearance plan period. It is important to establish clear guidelines and standards for mortgage servicers to prevent unfair and deceptive practices. 

Reporting Accuracy : I urge the CFPB to address the issue of NewRez reporting an increased principal balance to the credit bureaus on a monthly basis. This reporting may misrepresent the true financial status of borrowers and could have significant implications for credit scores and access to credit in the future. 

I believe that addressing these concerns is crucial for ensuring fair and transparent mortgage servicing practices, protecting the rights of borrowers, and maintaining the integrity of the housing finance system. I am prepared to provide any additional information or documentation that may assist in the investigation of this matter. 

Please inform me of any actions taken or updates regarding this complaint. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance.
Consumer complaint received 2017-08-28
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. (NV)

Still having an account listed by name of XXXX XXXX/XXXX XXXX showing on my report ... ... is not mine ... ..XXXX XXXX acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, Experian has no documents, XXXX has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX XXXX, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of XXXX ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My account was put on hold I tried to explain that my card was lost that I didnt make the transactions that was on my account so I asked if I can withdraw the money from my savings so I can pay my bills during the dispute investigation they told me they was using it for the negative balance in my checking from a check that wasnt deposit by me.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was requested by a XXXX XXXX XXXX an amount of {$1500.00} as deposit for a rental apartment in XXXX. This amount was sent by XXXX XXXX Zelle on XX/XX/2023. Upon arrival to the apartment, he/ she never showed up and there was no such apartment as well. I have never been a victim of such a scam. A previous payment to XXXX ( @ XXXX ) to the same person of {$850.00} was refunded by XXXX. This was part payment to the same rental. 

The Zelle payment is being denied by my bank XXXX XXXX as " nothing they can do ''. 

Claim : XXXX Zelle Transaction ID : XXXX The name in the lease is XXXX XXXX. Payment was requested by a XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (IL)

I sent Experian multiple letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request verification of debt requesting the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it Experian sent XXXX an updated credit report stating the information was verified. They keep updating that " the debt was included in a bankruptcy '' but won't send me any information regarding the bankruptcy file with their name included, any other verifiable proof physical or electronic. 

I have received a copy of a billing summary from the debt furnisher, but still, no verifiable proof that this is my debt. 

So now, both companies, Experian and XXXX keep ignoring my request and sending me computer-generated bills/summaries. 

I have requested that an XXXX certify that this is my debt. To no avail, XXXX and Experian sent me another computer-generated response. 

Experian has not assisted in this process at all.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2024-01-24
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: Self Financial Inc. (NY)

Closed Account. My report includes accounts with a reported name that is different from mine. I don't recognize the account in question. This account is not mine. The current status of my account is not correct.
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Me and my wife installed solar and financed with a company called XXXX. As part of the process they offered us a credit union account with PenFed. We declined, nver filled out the paperwork to enroll in this credit union. We then received information about our bank account under just my name not my wife 's name from PenFed, I called and declined the account that we never signed up for, they said they can't close it, we would have to have XXXX close it, I called XXXX they said they have nothing to do with the account being open. I have called and emailed PenFed Credit Union many times, now they won't respond to my emails, and last week recieved a Welcome to PenFed folder for my new account, they also send me a {$5.00} check which I am sure to get me to deposit the check as a way to solidify agreeing to this account. I want this account closed and it's impossible to get them to do it. I have read their reviews on line and they seem to be a scam of a bank that has very bad reviews. How can I get them to close this account.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

My brother passed away XX/XX/XXXX, of this year, the property at XXXX XXXX XXXX XXXX, XXXX , Ca was transferred to me by transfer of death deed legally. The property was sold in XXXX and the title company needed a pay off amount which Freedom Mortgage wouldn't give them until several phone calls were made. On XXXX XXXX I received an escrow refund check in my brother 's name which couldn't be cashed because my brother is deceased. I call Freedom and was told they would send to me by direct deposit which a week later didn't happen, then they told me a special check would be sent in a couple of weeks with my brothers name/successor, that didn't happen and then they told me they didn't have my address, I then talk to a supervisor name XXXX and he told my banking info and said it would either be direct deposited or a new check would be sent and if I didn't receive by XXXX XXXX to call him. I just got off the phone with him and he has no answer at this time and said he will call me by the end of his day with an answer.I also received a letter date XXXX XXXX stating that it was confirmed that I'm the owner of the property. XXXX
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I have been calling since XX/XX/XXXX to pay my credit card with comenity bank that I have for a XXXX XXXX credit card. My bill was only {$32.00} it is now {$66.00}. I started calling on XX/XX/XXXX my bill was not due until XXXX. When I call and try to make a payment they tell me they system is down and they can't access my account. Or when they do get in my account and take my payment they get a ERROR notice and it wont take my card. I even tried to do it through their automated system and that wont let me ither. They told me they are working on the problem but no one is giving me answers. I have been calling EVERYDAY since XX/XX/XXXX trying to get my bill paid. I now have interest charges and I am upset. I do not want this to mess up my credit. This company is HORRIBLE. Can you help me?
Consumer complaint received 2022-04-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions TransUnion XXXX Date Last Active : XXXX XXXX
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing continues to call my place of employment last call was today XX/XX/XXXX in the AM, calling my personal cell phone multiples times a day, and has sent emails on XX/XX/XXXX and XX/XX/XXXX. I replied to the first email from XX/XX/XXXX on XX/XX/XXXX with the attached letter stating this debt is not mine and I am requesting proof in an itemized bill with my signature that shows the debt is mine. I informed them this is the law, and they are not to contact me until I they provide the documentation requested. In addition to sending via email I mailed a hard copy of the letter on XX/XX/XXXX. 
I have continued to receive calls and emails, but no documentation as requested. Today I filed a complaint on their website submitted through their internal form stating I sent them a letting via mail and email on XX/XX/XXXX requesting no contact until written verification of the debt is provided. They continue to violate the FDCPA guidelines and continue to refuse to provide requested information while harassing me at my place of employment, email, and personal cell phone, I would like the information requested to prove I do not owe this debt and my credit remains free and clear, until that information is provided, I would like Convergent to no longer call my cell phone, place of employment, email me, or reach out other than in writing with the information requested. 

Convergent email me on XXXX and XX/XX/XXXX I responded to Covergents email on XXXX, mailed hard copy of letter on XXXX and responded on XX/XX/XXXX they are not to contact me per my letter until I receive written documentation that is itemized and has my signature. To this date I have not received any documentation. 

Convergent called my place of employment on XX/XX/XXXX Convergent calls my cell phone daily.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (IN)

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.