davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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 XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (WA)

My card was stolen and used for XXXX $ in XX/XX/2020. After I found out I immediately called the bank and reported the fraudulent charges. The bank investigated and denied my claim. They told me they didn't have enough evidence. They told me to send in a letter stating where I was during the times of the transactions basically proving it wasn't me using the card. I did that then they denied me a second time still saying it's not enough evidence. Then they told me to send in a police report. I did that and they still saying it's not enough evidence. I don't know what else they want me to do. I feel they are treating me unfairly and wrongly. I did everything they are asking me to do but it's like they are calling me a liar. That's why I came here to get help and get this resolved. Thank you.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE CORPORATION (SC)

In XXXX I had a deferment of my loan. I deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.
Consumer complaint received 2021-05-10
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. (FL)

On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, XXXX  and Transunion ) are in violation of the FCRA statutes.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (NY)

Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the Experian app and found 2 alerts ( XX/XX/21 credit inquiry from Experian for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from XXXX for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called Experian, XXXX, XXXX, and XXXX XXXX the morning of Sunday, XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX store and learned my phone number was highjacked and a fraud alert was filed.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

my information is reporting all wrong and i need it fixed ASAP from my name ti my address to my insurance information i need info removed and reported correctly also i do not want my personal information searchable or posted online basically shared to nobody
Consumer complaint received 2021-12-13
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: ACIMA CREDIT, LLC (MD)

Acima allowed someone to fraudulently open an account under my name without taking the steps to properly verify the identify of the person who opened the account. After reporting the fraud through the credit bureau they denied to allow them to take this off my my report. I then disputed this through Acima and the told me to file a police report. I did that and gave them the report number and they said now they need an actual copy of it which the police department said would take over 3 weeks. This is all why I am trying to apply for a mortgage and this is making it almost impossible. This account the fraudulently allowed to be open is ruining my life and they dont care to straighten it out.
Consumer complaint received 2022-07-05
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: ALLY FINANCIAL INC. (PA)

A late payment was reported on my credit report. I've never made a late payment during the life of this loan, when i contacted the company ( Ally Financial ) they provided me a document indicating that my accent is current and has never been late, and that they would correct any discrepancies on my report. 

To date, that discrepancy is still on my report. I am not sure if it's the credit reporting agency or the company that hasn't fixed it because I've reached out to both with no results.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

Mortgage Company Name : Planet Home Lending This company recently purchased our mortgage loan after a refinance we did during the fall of XXXX, and since the purchase, the following has occurred : 1. They held more than $ XXXX  in escrow without our consent and it took months to get them to acknowledge the issue. As they were unwilling to do anything to assist, I asked for the funds to be returned. They only returned the funds after numerous calls and micromanagement on my part.

2. They lost an extra principal payment during the transfer and after numerous calls and more than 4-5 hours collectively wasted on the phone, they finally acknowledged and claimed to be doing something about it, but nothing happened.

For this issue, I had to call the previous lender and request the necessary proof to include the tracking number as they wouldn't assist with helping, and even after gathering the proof, they have shown little to no interest in posting the payment.

Additionally, they are unwilling to post the payment and back date it to when it was actually paid, thus changing the interest charged at that time. To date, nothing has occurred. The payment was made during XX/XX/XXXX. 

3. I have asked for a complete payment history and they will not send it to me.

4. Currently, they are attempting to force place an additional insurance policy on our property when we have the additional coverage through our XXXX XXXX XXXX Policy. Previous to the loan refinance we did during the Fall of XXXX, our previous lender for more than 3 years never asked for an additional policy as we provided the XXXX XXXX XXXX, and it satisfied their requirements. 

Furthermore, I had our commercial insurance agent write a letter to the new mortgage lender explaining that this additional insurance policy is unnecessary, but their stance is to want to enforce unnecessary insurance to be purchased for our property. 

In summary, I have made many attempts to speak with a Director or VP level type management person for this mortgage company and they have made zero efforts to assist with putting me in touch with anyone that can look into these allegations without wasting hour ( s ) on the phone. 

Respectfully request your assistance to mediate these issues and to ensure other customers do not experience the same.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OR)

On XX/XX/XXXX I called XXXX ( XXXX ) to stop my service that I had for over 16 years. The constant " phantom '' charges, deceptive practices, and most recently from the imposed data limit and unrealistic data overage charges. The customer service representative I spoke to on XX/XX/XXXX communicated to me that my bills were paid and I did not owe any additional money to XXXX. 

Months went by. I received a collection notice from Credit Collection Services inXX/XX/XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ; ( XXXX ) XXXX ) Stating that I still owed XXXX {$220.00}. I called XXXX and told them that I did not owe them any money since I stopped my service and had not incurred any additional fees since my cutoff date. 

They said that I still owed them money. I told them that the XXXX customer service rep stated I was completely paid up. I told them to go look up the call on the XX/XX/XXXX ( since they record them ) and that they would find out that I was telling the truth. They said that didn't have access to the call information. Apparently they had been billing me over the last few months but I never received any statements since I was on paperless billing. In addition I was no longer a XXXX customer I did not have any reason to check my XXXX email address where the bills were getting sent. I could not reason with them. 

A few more months went by and I applied for a loan and the unpaid debt whihc was sent to collection severely ruined my credit score. I called the Credit Collection Services company and spoke to several people. I wanted to pay the debt but not before getting the collection account removed from my credit account. They said they could not do that. 

I called XXXX again and spoke to several people and finally got to a woman named XXXX. She told my that XXXX could not remove the collection from my account. I knew that to be untrue so I asked to speak to someone else. She said there was no one else in the office and that I would receive a call back. Of course I never did. 

I finally called XXXX and took care of the debt. They said they could not remove the collection from my account but that I can start a dispute claim with the credit reporting companies. I hope to do that.
Consumer complaint received 2021-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. 

I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. 

Interest on student loans is compounded daily. 

I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. 

Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. 

Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. 

I need this remedied. 

As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scott Fetzer Financial Group Inc. (IL)

I contacted United Consumer Finance Service when I noticed that they were reporting that we owed a balance of XXXX on an account that was never late and paid off in 2017. I was able to speak with a representative ( XXXX ext XXXX ) and she stated that they never ran the final payment, however no one notified us. I paid the XXXX and was advised that they would submit the documentation to remove from the credit report. That was over a month ago and every time I call to follow-up she is either not at work or not available. I spoke with a yound man 2 weeks ago that advised me that XXXX did submit to the credit bureaus to have the account removed but it is still reflecting on my credit report as a delinquient account. 

I even opened a dispute with the credit bureaus and the account is still there.
Consumer complaint received 2021-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (IN)

I have contact University Accounting Services multiple times through mail. I have requested a validation of the debt- I also sent the documents certified mail. XXXX has received my mail and then keeps emailing but is not emailing anything I have asked for. I have not got anything that I have requested. I have now sent an Affidavit of truth along with other documents to the company dated XX/XX/21. After continuing to get ignored I took charge and found multiple violations. I marked my exhibits and sent them in.

15 USC 1692 15 USC 1692 ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692d ( 1 ) 15USC 1692e ( 11 ) 15USC 1692f ( 1 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) Since starting this process I have continued to pay because I do not want it to hurt my credit however it is getting ridiculous since I have asked for specific documents and I haven't received them, however I don't believe I should have to keep making payments. 

As of today the balanced owed is : {$1200.00}
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Debt does not belong to me and is showing on my credit pass 7 years. XXXX & Experian is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.
Consumer complaint received 2022-10-11
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kingston Data & Credit International Inc. (MS)

Kingston Data And Credit is claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : 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 that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hello my name is XXXX XXXX, Ive had my account frozen through XXXX XXXX for some time now. Ive reached out to them multiple time. They informed me my account was on hold because it was not a business account which is completely fine. Capital one never mailed me a check or anything with my funds.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

Chase Mortgage has been reporting an unsecured personal line of credit tradeline ( that was originally originated by Washington Mutual and transferred to Chase through the WaMu acquisition ) as a mortgage product on my credit report for XXXX years. When I disputed the tradeline with XXXX in XXXX of XXXX, Chase Mortgage reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the XXXX or my PII ( XXXX, XXXX XXXX XXXX XXXX  ). The tradeline both before and after my XXXX dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from XXXX.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, TransUnion, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, XXXX XXXX XXXX lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for XXXX I get turned down right away, when Ive had a XXXX attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

They never provided a full accounting of hours billed against the large amount of money paid to them. They were over paid and I refuse to pay them what they claim when they most likely owe me a refund. Without an hourly accounting they can not demand money.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I contacted the mortgage company because I noticed there was no payment made on my property taxes. The company followed up and stated for me to send them my bill and they would take care of it. I followed up on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX will no resolve in my property tax payment. Then, onXX/XX/XXXX, the company transferred my loan to a different service provider. Not paying off the property taxes and the late fees that have been incurred. The service provider is Shellpointe Mortgage Servicing.
Consumer complaint received 2021-04-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and Equifax continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not XXXX or Equifax. The date of last activity is listed as XX/XX/XXXX on Equifax and XX/XX/XXXX is shown on XXXX XXXX  doesnt show anything. Equifax and XXXX do not show a high balance but XXXX does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.