davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I  spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. 

It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. 

Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. 

I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion, XXXX and XXXX is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the XXXX XXXX Modernization Act of 2010. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a XXXX violation and should be stopped immediately.
Consumer complaint received 2021-06-11
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. (FL)

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 
Provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had fraud on my bank account with Fifth Third bank. I was given provisional credit and it was taken back months later due to an error on the bank behalf. I have submitted all the required paperwork only to hear I have to wait an additional 14 to 28 days before I can receive my funds back. 

This bank Fifth Third, has taken my ENTIRE paycheck for 2 week in a row, but I have to wait 14 to 28 days for a resolution that was not handle properly by Fifth Third Bank. 

As a consumer, this is not fair. The bank has insurance on their funds, unfortunately I don't have insurance on my funds, but I was under the impression this was a reputable bank. There has to be some sort of law to govern these kind of banking centers.
Consumer complaint received 2021-06-11
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: Asset Management Outsourcing, Inc. (FL)

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Nationwide Recovery Services, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Nationwide Recovery Services for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In 2020 my life was effected by COVID just like everyone else in the world. I fell behind on my mortgage and called my mortgage company for help. They put me on a forbearance from XX/XX/2020 - XX/XX/2020 and then they kicked me off. They then sent me a denial for a modification letter. I have done some research into XXXX XXXX 's COVID assistance plans and this does not seem correct. I have since called and was told I do not qualify for any assistance, no forbearance, modification or deferral. I do not think my lender is being honest with me regarding XXXX XXXX assistance and I feel I should qualify. Thank you.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc. (TN)

In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX  I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX we left overseas and before leaving we called Bank of America to asked how to handle payments. I was told to send a signed letter with authorization and copy of checking acct. to my surprise the vehicle was repossessed last week, bank of america claims they didn't received the letter. I sent a copy of letter and bank to demonstrate to them the fund were at the bank. I received a letter today asking for the entire amount of loan plus all these fees.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc. (FL)

date : XX/XX/2022 Amount : {$1500.00} action taken : I, XXXX XXXX, have personally talked to the creditor company ( southwest recovery services representing North american bankcard ) and explained to them that the charge their claiming on my name is fraudulent. I do not know know who " north american bankcard '' is, and i have never signed any documents with them. Afterward, a representative from the collection company emailed me the documents they have and upon reviewing the documents it is further confirmed the documents are fraudulent as they do not have my signature anywhere in their supporting documents. therefore, i am submitting this report on this website. please check my driver license signature and the signature this company claimed is mine is not same. They are clearly a fraudulent signature
Consumer complaint received 2022-12-02
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. (TX)

I have a problem getting TransUnion to investigate inaccuracies on my credit report. I have sent them multiple letters to them and I have contacted the furnishers like they told me to and that did not work because they did not validate the information. I contacted Transunion again XX/XX/XXXX providing new information and they continue to violate the FCRA by reporting this inaccurate info and not conducting a proper investigation.
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX   employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I deposited a check in my checking account via mobile deposit with Chase bank in the amount of {$2100.00}. The check was issued from XXXX XXXX XXXX  XXXX  due to an old mortgage account that I closed in XXXX. I made the deposit on XX/XX/XXXX. A hold was placed on the account. The hold was supposed to be released on XX/XX/XXXX. I called Chase on XX/XX/XXXXXXXX  to inquire about releasing the hold. I was transferred to the fraud department. I was told that the check was not able to be verified by XXXX XXXX XXXX bank, however, they did NOT say that the check was not paid. The representative questioned me at length about how I came in possession of check and so forth. I was accused of trying to deposit a fraudulent check. The representative said that my account would be closed on XX/XX/XXXXXXXX  and any funds in the account would be forwarded to me via check. As of today, my account shows an available balance from that check in the amount of {$1700.00} dollars that I am not able to access. Nor have I received a check from chase. I am still in possession of the check as it was made via mobile deposit.
Consumer complaint received 2019-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

There are inquiries on my report and I dont understand why they are on there. Someone have tried to get credit in my name and open accounts. The one that concerns me is Capital One.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a Bank of America Credit Card, when i came here to the US 2013 for an Internship. After 3 months I went back to my home country XXXX and that address no longer mine and i never received any updated about the credit card. It appeared there was small amount left to be paid on the credit card, although there was more than 5000 in the checking account i could of easily paid but i was not aware that i had payment. It looks like 30, 60 90 days passed on that credit card and after finally learned about it when i visited back to the US i paid it completely. Now i moved to the US for a full time Job. And I'm having problems renting a home because they see this remark on my account. I apologies for this trouble, but as you can see in the past 3 years i never missed a payment, this was an honest mistake as i never knew about the charges.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage has repeatedly called me this month asking for my XXXX mortgage payment. However, I paid my XXXX payment on their website on XX/XX/2022. The funds were taken from my bank account and sent to Freedom Mortgage on XX/XX/2022. I provided Freedom Mortgage with the confirmation number they provided me in email and they still seem unable to track the payment. I have attached the email with the payment confirmation number and a screen shot of my bank account to show the payment went out on XX/XX/2022 since my statement is not yet available.