davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (GA)

I disputed a collection with XXXX XXXX XXXX XXXX account # XXXX. with Experian. All other bureaus do not have such derogatory account reporting.. Experian has not complied with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : This company and Experian has refused and I have the right to demand that they disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that they are reporting in my credit report. At which I signed a contract and enters into an agreement or contract with XXXX. I don't understand how they were able to verify when XXXX has not to this date responded to any of my validation request validation of the amount of {$3500.00}. that they are reporting to Experian that they say I owe. Experian, Please don't respond to my request by saying that the account has been verified. HOW? XXXX has not verified with me and by law you should be deleted immediately. Please Send me copies of the documents that you have in your files or that they sent you that were used to verify the debt to legally out on my credit report. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have been denied credit because of it. I've requested the signed document form XXXX stating I owe them amongst other information and they refuse to send. According Section XXXX5 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Consumer complaint received 2019-10-07
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: ERC (FL)

I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit XXXX kicks back a message that the validated the information.its not feeling along with research that has been done that XXXX hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

On XX/XX/2019 My cell phone ( XXXX ) was ported over to a different carrier and many of my accounts were hijacked in an attempt to steal my identity. 

My XXXX account ( XXXX ) which was a recovery email was also hijacked. I am unable to recover my XXXX account. I have made several attempts to recover this, but am unable to speak to a human being to solve my issue. It's amazing that someone could steal my account that I've had for almost 30 years, and I can't prove that it's mine. 

I am unable to recover my EquiFax account. I have made several, unsuccessful attempts to recover both. Security questions that are asked for recovery have items that I can't answer because they're not mine.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (OH)

Monday XX/XX/XXXX I Talked to 3 people in this company who gave me little to 0 information and just asked for money. 

They said I had a balance of XXXX and would settle for less. 

Looked up company and it is a XXXX XXXX in XXXX Ohio.
Consumer complaint received 2018-06-15
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. (GA)

XXXX and TransUnion decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed XXXX and TransUnion of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said XXXX and Transunion only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX has removed the account ... 



XXXX Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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: WELLS FARGO & COMPANY (FL)

I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, XXXX  and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX  and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a XXXX  military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$670.00}.

By not replying in a timely manner to my initial letter on XX/XX/2018, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

XXXXXXXX XXXX XXXXXX/XX/XXXX convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in accordance with the Fair Credit Reporting act Convergent 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
Consumer complaint received 2019-10-07
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. (OR)

Our XXXX XXXX mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. TransUnion deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.
Consumer complaint received 2022-06-19
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. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient hold all my student loans. I have made arrangement for these loans to be paid of thru another entity " XXXX ''. I've received the payoff amount of all loans and the new entity sent a check with the full amount to Navient. Navinet failed to apply the money {$69000.00} and it is being held with them. To make the matter worse, they've reported that I've opened a new account line of credit with them for {$69000.00} and my credit score FICO plummeted 72 pint overnight. I have been trying to correct the situation with them with no avail. They keep switching me from one customer service to another and I get a different story every time. 
I am attaching a copy of the pay-off amount, the check that was sent to them and their online statement that shows the money being held with them.
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (IL)

On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (AL)

I opened the Lowe 's account some years ago and paid the bill as required. Last year account was closed unexpected. I received a call and letter from person in Georgia stating the account was reporting to their credit report. I contacted XXXX and Synchrony Bank and provided SSN and copy of driver 's license and notified them of the error. Neither company has returned an answer to the letters sent to them over the past 3 months and I have been getting harrassing letters from the guy in Georgia who Lowe 's company is reporting on his credit.
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I refinanced my home on XX/XX/2019. I felt that I had to refinance solely because of the issue I had this year with Mr. Cooper and my mortgage, specifically the escrow account. I still have not received my full escrow balance from Mr. Cooper as of XX/XX/2019. Mr. Cooper has collected {$6200.00} in escrow monies since the beginning of this year, as of XX/XX/2019. On XX/XX/2019 I received an escrow statement of monies collected between XXXX and XX/XX/2019 totaling XXXX. I received {$3100.00} payment on XX/XX/2019. Six months of XXXX total {$3200.00}, a {$82.00} variance. Also not included are the monies collected from XXXX to XXXX of 2019 in the amount of {$2900.00} was not calculated to my escrow balance. Mr. Cooper still owes me {$3000.00} of escrow money collected. I have attempted to call Mr. Cooper however they have closed this account and I was unable to reach any customer service that would address my issues.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Stay away from any kind of credit card with Synchrony. I was in the hospital, lost my job, and was unable to pay a couple of credit cards for a couple of months. When I was back on my feet again, all the other companies I dealt with helped me to get my accounts up to date, and I was within a couple of months. All Synchrony ever wanted was complete payment of any past due account, with all kinds of interest and late fees. When I finally got fed up with trying to deal with them, I just took their out, turned the accounts basically into a loan, and then closed the two accounts. The fun started weeks later when FOUR other cards I had with them, accounts that were NEVER late -- 3 of them didn't even have a balance -- were suddenly closed! No reason given, just closed! And up until all this started happening, I had MORE THAN TEN YEARS of use of their accounts with no late payments or any other problems. And their response -- " It's our right to close these accounts. '' I will NEVER do business with Synchrony again, as long as I live. Terrible, TERRIBLE company!!!
Consumer complaint received 2019-10-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I applied for a loan mortgage modification. I was approved. The mortgage is requesting a down payment. When I questioned the request for a down payment the mortgage company increased the required monthly payments. the monthly payment is unreasonable.As senior citizen, and want to stay in my home I feel the mortgage company practices are unlawful. The deceptive practices are not in the spirit of helping families stay in their homes.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

i made an online purchase from XXXX, XXXX BLUE BAG {$1900.00}. I never recieved the item. I called XXXX and they insist that it was delievered by XXXX. I did not recieve anything. I was at work at the time that XXXX website says it was delievered and signed for by XXXX. XXXX would not open up a dispute or investigation for the matter. When tried to view the signature on the XXXX website for proof of delivery, it would not show me anything. When I asked XXXX to show me proof, all they said was not possible sir. Ok, so i contacted Chase Credit Card services, explained the situation and filed a dispute. Chase gave me a temporary credit for the charges. Couple weeks later, chase re-charges me the full amount and sends me a letter saying that XXXX provided following documents that proves you recieved the item. Chase closed the case and recharged me. Chase sent me a document that was sent by XXXX. It is the purchase order along with a screenshot from XXXX. XXXX provided what they consider " proof '' of delivery. It shows a signature box and that is all. In the signature box it says XXXX all over it and a thick dark circle line. XXXX claims it is signed for by XXXX. There is no other documentation or record of this individual. In the signature box it does not say XXXX and you can not make out what it says. It has XXXX written all over the signture section, does that mean that the FedEx courier signed it? Also, it says " Indirect Signature Required '' on the XXXX section which means that someone else outside my residence can sign but why?? Why would XXXX allow anyone else to sign?? There is no doorman or mailroom in my building. ALSO, on the XXXX XXXX purchase or it says " Delivery Signature Required ''. So XXXX did not recieve a DELIVERY SIGNATURE as they indicated a " Indirect Signature ''. I have attached the document sent by XXXX. Also, when i called chase to ask how in the world did they side with XXXX, all they said was i had to write this in a letter and send it back. I did that and Chase denied by request to investigate further. Just doesnt make sense, there is no individual called XXXX, the signature does NOT say XXXX, there is no record if an ID was taken, and the delivery requirements differ from the merchant XXXX & XXXX. As XXXX requested a " Delivery Signature '' & XXXX showing " Indirect Signature ''. If an indirect signature is recived than that means the item was never actually delivered to the intended. Please help me, how am i to pay for a {$1900.00} charge and have no product??!? thats insane!!!
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (VA)

I recently travel to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit card was stolen. I called in to TD Bank customer service department indicating that my card was out of my procession. A charge that I did not authorized shown up on my account - XXXX XXXX XXXX XXXX XXXX for {$460.00}. 
I noticed that two adjustments were made to my account. First adjustment was for a credit in the amount of {$460.00} and another for a debit in the amount of {$460.00}. 
These adjustments do not correct unauthorized purchased against my account. 
I requesting that TD Bank honor its commitment to its customers regarding fraud protection.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2019 I sent {$300.00} to a user on venmo and his username was XXXX. We had agreed he would drop off my item at the post office that day and he would give me the tracking number. He did not do so and by now transferred my money to his account and deleted his venmo account. He scammed me. And I contacted venmo support and they said they can't do anything without his authorization and I should try and reach him but he deleted his account. I really want my money back.
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with account number XXXX with VIN # : XXXX with a maturity date of XX/XX/XXXX. At maturity, I took the vehicle to XXXX XXXX XXXX for final Inspection on XX/XX/XXXX at which time I was given the attached Final Inspection Report stating I owe {$960.00} as my Grand Total. Vehicle was inspected, dropped off and I left. When I called BMW USA to make the payment a week later, they claimed that the amount I owe is {$3900.00} for reasons I'm yet to understand despite calling repeatedly for several months. BMW USA then preceded to send this fraudulent claim to collection and have since damaged my credit severely. Attached are the Final Inspection Report and collection letter from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX I took my son to Wells Fargo to open an account and I ask not to be put on any account with my son. I was told that the account would only have his name on it.

On XX/XX/XXXX I was received a call from a Wells Fargo representative telling me I was a co-owner on my sons account. I made it very clear upon creating the account that it was only suppose to have his name on his own account. 

This form of business is deceptive, misleading and violated my rights. I was not made aware of the terms and conditions of opening a teen account, so there was no meeting of the minds. I did not agree in any shape form or fashion to be added to any account.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, I placed an order of 2 bottles of vitamins supplements ( 30 day supply. This was a trial. Three days later, On XX/XX/2019, the companies XXXX and XXXX charged my account in the amounts of XXXX and {$85.00} each. I tried disputing it with Chase and the companies directly but they claimed I had to cancelled within 15 days. I did not but they charged me full price for the vitamins 3 days after I ordered them. They did not give me the opportunity to cancel rather they took the money off my bank account. I demand a full refund.