davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Oregon Credit Service, Inc. (OR)

Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.
Consumer complaint received 2015-09-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (VA)

I received alert from a credit bureau on a new report submitted to them. It stated that there is late payment and/or no payment for certain amount of money to the company. I do have no idea about what that loan was because it is not mine at all. I am not at liberty to explain the security and/or exchange issue for fear of regulators checking my credit report and take more points off my credit score. But to be a little frank., some other similar activities destructed my credit score by XXXX [ fifty-six ] points in XXXX [ XXXX ] days with no justification and/or any default or unpaid credit or anything to mention at all. FICO score is going down at unusual speed which is strange.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (PA)

I made a payment to restore the mortgage for {$10000.00} as required based on the statement provided, however the monies were not applied to the outstanding balances also there was extra monies in an overage account that I instructed to be used for payment to the mortgage payment and it was not credited. I have tried for the last month to resolve and have been unsuccessful. New mysteries charges has been added to the account and I was told that no explanation or proof of charges had to be sent to me. This is very concerning as they are more than XXXX dollars. I would appreciate support and assistance in this matter. Thank you!
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NE)

When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

Ive had multiple problems with Cash App regarding holds.they requested that I submit something from the hotel showing that I have XXXX balance in in order to remove a pending charge of {$120.00}. This should never have been on there anyway. I provided an updated receipt from the hotel showing XXXX balance and cash app still will not release my phones. They have done this in the past and its unacceptable and when you try to discuss it on chat they disconnect you times are tough for everyone right now. Thats a lot of money for me and theres absolutely no reason for that money to be held from me especially when I produced the documentation they requested
Consumer complaint received 2020-10-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (PA)

This company bought a debt that is 11 years old, repackaged and falsified dates on it to appear as if the debt is brand new, and listed it on my credit report as brand new debt. No original documents were provided to the dispute through XXXX  as to the age of this debt. I have never been contacted by Diaz and Associates regarding this 11 year old debt. The name listed on the debt is a name I havent legally  had in 9 years, which was my legal name in XXXX when this loan was originated. My last name changed in XXXX, XXXX. That piece of evidence alone would give any reasonable person information to show that, as of XXXX, this debt is too old, and falls outside the statute of limitations for collecting and reporting. Looking at research, there are several instances from other consumers stating the same, that Diaz   and Associates buy old, uncollectible debt, fraudulently change dates listed in the account, and attempt to collect on debt which is outside of the statues listed by the Fair Credit Reporting Act of 1970. This is a clear violation of the Fair Debt Collection Practices Act of 1977, and should be addressed appropriately. My next step is to take appropriate legal action against Diaz and Associates and their owner through my lawyer.
Consumer complaint received 2020-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (VA)

I received notice of a Collection on my XXXX  Credit Report from Credit Corp Solutions in 2016. I never received any contact from this company notifying me of the debt or that they were going to place this on my Credit Report. In addition, it is factually incorrect. Therefore, I disputed the debt online with XXXX the debt and I asked that I be provided with a Signed Contract and Verification and Validation of the Debt. I received nothing from either Credit Corp Solutions or XXXX, online or in the mail, simply a statement on my Credit Report saying that Credit Corp claims it is correct without providing any proof. I want to see a Signed Contract and receive Verification and Validation of this Debt, or have it removed from my XXXX   Credit Report. I am XXXX years old, my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is harassment.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION (FL)

I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MA)

Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
Consumer complaint received 2023-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MO)

The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NV)

I opened a Care Credit account through Synchrony Bank in XX/XX/XXXX and scheduled automatic payments. At that time their webpage said I could set up automatic payments up to 1 year, so I did this. In XXXX and XXXX, auto payments were taken out, however, starting in XX/XX/XXXX, they stopped. I did not realize this until 2 months later when I received my statement in the mail advising I owed them late payment fees. ( I originally had the statements electronically sent. ) I called Care Credit ; I spoke with a nice lady, and she explained to me that somehow my automatic payments did not set up, she would set me up for automatic payments, ( this is supposed to have all been on a recording ), and that I needed to pay {$77.00} to bring my account up to date, which I did. 
Now, for XX/XX/XXXX, the auto payment did not come out of my checking account, ( it was due on XX/XX/XXXX ), because, again, no automatic payment schedule is set up. I called this morning at XXXXXXXX XXXX. ( PST ), I spoke with someone that I could not understand, but he said, again, that he had no record of my automatic payment scheduled, and he too advised he would set up automatic payments, again, and this was also recorded, but that I still had to pay the late fee of {$41.00}. I asked him to explain to me why automatic payment schedule was removed again from my account, and he said he could not say, so he transferred me to another representative who placed me on hold for XXXX hr. XXXX min. and never returning to the phone. I called back at XXXX spoke with another woman who again placed me on hold, this time for XXXX minutes but then hung up on me. 
I am totally frustrated ; I do not understand why they keep canceling my auto payments thus causing me to have to pay them {$41.00} in late fees. All of my other creditors have me on auto payments, I have never been late on any payments as you can see on my credit reports, and for some reason Care Credit keeps doing this to me. I think this is a scam of some sort to get late fees out of me. I have tried to get satisfaction from them, and I get ignored. This is the reason why I feel I should file a complaint as I can not seem to get any help from Care Credit/Synchrony Bank .
Consumer complaint received 2016-04-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Clarity Services (FL)

I am not really sure what this loan credit inquiry is that is being reported on my credit report. I did not authorized applying for a line of credit through " XXXX XXXX '' and " XXXX ( XXXX ). Company is XXXX, FL XXXX. They have tried twice to preapprove me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I need it to stop and for the unauthorized inquiries to be removed.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks?
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (GA)

I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

My bank account ending in XXXX has been restricted after I attempted to reverse a wire made into my account from XXXX XXXX XXXX. I made the wire originally into Ally, they took my money, and after unacceptable service I'm trying to wire it right back out to the same account. This is the second time this has happened to men and now I can't make a down payment for my house because of this activity from Ally. 

After I verified with this bank that it was me making the wire, an hour later they restricted my accounts. I am crying. I can't do this with this bank anymore. I really am not happy right now with this bank. 

Please allow me to wire my money back out. I can't take a check, a check will take too long. Please
Consumer complaint received 2024-05-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (FL)

On XX/XX/year> I got a letter from XXXX XXXX XXXX XXXX that I was being sued by a company called Security Credit Services, collection company. They just sued me without even notifying about getting into an arrangement, nothing. That was crazy, they couldn't do that. I had to hire a lawyer and spend XXXX to get this fix and Im still working on it. They dont give me options, I have rights, but they are not considering that. Many people have complaints against that company for the same thing.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

After previously disputing these erroneous accounts, Experian still deemed the account ( s ) verified. I have no idea how " collection accounts '' can report " past due '' .. Although I never received proper validation, this was another mistake that stood out. They should have been removed from my report. Please see the attached documents
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have attempted to submit disputes on my credit report multiple times since 2023. My letters have not been responded to and my ability to submit disputes online, I do not have access to. After notifying XXXX of inaccurate information numerous times and providing proof regarding these accounts they have removed them as of XXXX. These need to be removed immediately if of my transunion account as well. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires all 3 credit bureaus to report accurate information- XXXX recently complied and removed multiple accounts and inquiries off of my credit report because it contains false information and I am actually debt free. I appreciate your prompt compliance with removing these multiple inaccurate accounts immediately off of my credit report and in return I will not require compensation for the extreme damage it has caused my livelihood. 

The accounts that need to be removed are- Region Acceptance # XXXX XXXX  XXXX The Inquires that need to be removed are- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore- XXXX will attach a screenshot showing that when I look at my credit report with transunion online it is completely blank- assuming this is more inaccurate information based off of 3rd party applications I am signed up for. Please comply immediately and remove all inaccurate information. Thank you.