davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This lettter is a formal written request for you to reinvestigate the following unverified accounts listed bellow : I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA .Your company already removed some of the items but 2 XXXX XXXX XXXX accounts remain in my credit. 
Accoording to the fair credit reporting act, 15 U.S.C 1681 your  company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 15 days for each of the accounts listed bellow then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AR)

XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I tried going through the centralized website XXXX and then through XXXX to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for XXXX. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Very rude experience coming into the XXXX XXXXr branch in  XXXX Illinois on XXXX and XXXX, XXXX XXXX was who i dealt with. He was extremely rude and disrespectful. I told him just to close the account after he presented it as an ultimatum to me. He stood with a rude smirk on his face as i waited at the teller window to withdraw my funds. When I asked the teller if i could speak to a manager i was told no manager was available nor was an assistant available. Calling into customer service I experienced several nasty representatives and some guy that barely spoke good English from fraud prevention that kept telling me to go into a branch even after i told him i just left a branch and they were unable to help me the representative was argumentative and when i asked to speak to his supervisor he just hung up on me. The bank customer service representatives have consistently told me differently banking policies and account information. The bank refused to resolve any account problems. XXXX, senior manager of loss prevention was equally as rude and uptight. She refused to give me clear direction on what the steps were in the complaint that I filed claiming it would be put into a complaint tracker and saying to me oh well what did i want to have done. Very nasty rude people from the supervisor XXXX on down by far the worst institution I've ever went back to bank with. Worst decision ever I've made in my banking experience
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (OH)

The banks new firearm policies recently enacted by the bank run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Political activism by companies that receive taxpayer money is wrong an especially so when it is attempted to curtail consumers freedoms to buy what they want and for business to interact. The 2nd amendment is fundamental right defined by nature laws which come from our XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The attached letter from XXXX XXXX shows I was not 90 days late in XX/XX/2018 and I was not 120 days late in XX/XX/2018 further while in Forebearance I made payments attached. These entries have ruined my employment credit standing and I am requesting immediate removal of late entries of XXXX and XX/XX/2018.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed. 

Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''. 

I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (OR)

When I was shopping for a personal loan, I was offered a personal loan/line from WELLS FARGO for up to {$100000.00} at an Interest rate of as low as 9.24 %. With near perfect credit score of XXXX ( according to XXXX ) and over {$70000.00} in IRAs. I also have land valued at over {$300000.00} and a house ( being built ) valued at over {>= $1,000,000} ( when finished ). I currently only have 1 outstanding debt, a truck loan that I got at 0 % interest. All payments have been on time. 
I was recommended switching some or all of my direct deposits to WELLS FARGO, and starting a checking account, which I did. 
I showed up with tax returns, XXXX, etc. 

WELLS FARGO countered with {$30000.00} at over 12 %. 
A BATE AND SWITCH. 
Their reasons/excuses 1. Our credit was too low. XXXX? ( WELLS FARGO has XXXX with XXXX ) 2. Not long enough credit history. I have had continuous credit since XX/XX/1970, I have had car loans, mortgages, credit cards and dont know what else. 
3. Portion of loan balances to credit limits on revolving accounts too high. Again all credit cards are paid off monthly, leaving a XXXX balance. 
4. Too many accounts with balances. I have one loan ( truck loan ) because it has 0 % interest. Original loan {$40000.00}, paid down to current {$12000.00}. All payments on time. 
I tried to discuss and resolve the issue in person with no results. 
The fact is it is a BAIT AND SWITCH! WELLS FARGO IS A FRAUD!
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

One main Finacial continues to threaten me although I am making monthly payments I fellbehind. They have said if I donot pay the full amount of XXXX dollars in 7 days they will take further action. They thanked me for making payments but they wont the full payment of XXXX or else face further acitons. I am afraid these people are powerful I dont know what to do please help Please help I received this document in the mail
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (TX)

NATIONWIDE IS REPORTING INACCURATE INFORMATION ONTO MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE NEVER HAD ANY DEALINGS WITH NATIONWIDE RECOVERY NOR THE COMPANY XXXX WHOM THEY REPRESENT. I HAVE NEVER HAD ANY TRANSACTION RELATING TO THESE FOLLOWING ACCOUNTS. 

NATIONWIDE IN THE AMOUNT OF {$1900.00} AND {$68.00} AND {$72.00}
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below is not mines. i have attached disputes sent to AG of Florida. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach.Both XXXX  and XXXX sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, along with identification, to Equifax requesting the pin number. They have not responded. 

Please get the Equifax to respond to my request.
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Apparently instead of looking at what I provide through the cfpb especially this cfpb # XXXX. Failed to actually do a proper investigation into this matter since 2010. All that has been provided is falsified statements and falsified documents from your company since 2010. And the aquasition and sale of the property was done with the same. 
So actually investigate this issue by looking at the documents I have provided through the cfpb period and quit sending me all the falsified signed documents and statements you have given me time and time again.
Consumer complaint received 2020-07-25
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: General Motors Financial Company, Inc. (SC)

On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (AZ)

National Credit Systems is the collection company that I have been forced to deal with. The supervisor was disrespectful when trying to take care of my collection. She said that they can't lower my payment and then told me that I have to pay the maximum amount then hung up on me. As I'm trying to resolve my account.
Consumer complaint received 2020-11-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (NC)

I had a mortgage with XXXX XXXX, a subsidiary of Ally, that was paid off in XXXX via a refinancing with XXXX XXXX. XXXX XXXX never filed the discharge of the mortgage with the county. XXXX XXXX went bankrupt in XXXX/XXXX and transferred any open loans to XXXX XXXX but since my loan was paid off before the bankruptcy, those documents were sent to Ally. Ally however refuses to give a discharge on the mortgage claiming that their research dept can not find the documents. I cant sell my apartment until this loan is discharged in the county records.
Consumer complaint received 2020-07-25
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: ENCORE CAPITAL GROUP INC. (TN)

Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

Received Shellpoint Modification Trial Offer, agreement. Spoke with Shellpoint by phone asked them to explain the terms of the modification offer. They refuse to give me the details of the modification agreement such as, if the rate is fixed and how many years I will be paying on my mortgage. They want me to sign the trial offer agreement but I don't know what I'm agreeing to. Ask them to give me a the break down of what I'm paying for in my escrow account there reply was they didn't have that information.They are hard to communicate with and unwilling to assist me.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc. (NC)

I recently checked my credit report and theres a collections that was added XX/XX/2018 in the amount of {$910.00}. It is from XXXX. I am not sure what this is about because I have always had insurance. And I had state insurance then which covers everything. 
If there was an out of pocket expense that should have been explained to me as far as why. I was told I had an XXXX XXXX and that it HAD TO be removed and now I get this bill. I have worked really hard to get my credit score up and I am extremely upset that this is now effecting my score
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.