davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have a substantial balance on my USAA credit card at an interest rate greater than 22 %. Due to cash flow issues largely out of my control I called them and asked for a payment holiday. A payment holiday would simply mean I do not have to make the current monthly payment, the interest would still be charged, etc. They told me they can not do this. I was then told that they basically can not do anything-waive a monthly payment, reduce the interest rate on any of the substantial balance, or even waive the late fee. They offered nothing on a card we have had for many years. In addition, we have had USAA homeowners and auto insurance for over XXXX  years. You guys said, maybe we can waive the late fee AFTER it is charged and I spend another hour on the phone with " customer service '' Really? Predatory lending.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

Enhanced Recovery Solutions L XX/XX/2018 {$1400.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Consumer complaint received 2020-11-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Credit Management Corporation (MI)

I received a note on my front door on XX/XX/XXXX from Franklin Credit Management Corporation to call regarding a debt. There was no account number provided. The number is XXXX. 

I called and the woman asked me to verify it was me by giving my SSN and I foolishly did so. She said it was for a second mortgage in XXXX. I told her I never had a second mortgage and if this was truly a debt it was no longer cals 14 years later. She told me to make a fraudulent mortgage report with the police because it was real and her attorneys were handling it. She said. Could send them an email requesting all of the supporting documentation and gave me the email address but still no account number. ( XXXX ) I asked if I had taken a second mortgage out in XXXX why had it never shown in my credit report? Ever? Because this was fraud. She hung up. 

I sent an email requesting supporting documentation and if they did not have it to stop calling me. I did not receive anything. 

Today, XX/XX/XXXX, I received a call from the same company, same woman and when I said she and I had this conversation last week she hung up on me. When I call the number back now nobody answers. This needs to be stopped. How many people are falling for this?
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account Number XXXX showing balance of XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account says it was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account XXXX XXXX showing balance of XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SYNCHRONY FINANCIAL (GA)

I totaled my vehicle finance through synchrony bank back in XXXX. Synchrony bank has giving me a problem with paperwork for insurance company since XXXX. I have gotten 60 days late payment. All because their system is over the phone only they dont take my bank debit card for payments. Its been a headache since I purchase the vehicle last XX/XX/2022. I talk to one nice gentleman that got it all done in 2 business days. After it has ruined my credit. Im so heartbroken. I worked so hard for my credit. They will not even get the credit bureaus to take it off nor will they take off all the late charges.
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services, LLC (MO)

Ambulance bill from XX/XX/2018 for {$1300.00} was paid by XXXX. Whatever amount was paid by XXXX is the only amount XXXX XXXX XXXX can collect as part of XXXX Ambulance Billing Practices which both XXXX XXXX XXXX and Credit Bureau Services are in violation of. I contacted both companies XX/XX/XXXX via mail, neither company has responded and are still trying to collect on a paid debt
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was first contacted by a company called XXXX XXXX XXXX claiming I had a debt never paid to capital one through XXXX XXXX. I contacted both banking institutions as well as my credit report to find no such debt is owed to any of those companies in my name. Then a new company called XXXX XXXX group claiming I refused to settle with the collection agency XXXX and they are a mediator that helps me get the debt paid without judgment and jail time. Again today I contacted all banking institutions they stated i owed money to and was cleared bye those companies of owning any debt to them. It is harassment at this point.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any XXXX
Consumer complaint received 2021-12-08
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. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$92.00} XXXX XXXX XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX XXXX  Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX - XXXX XXXX Inquired on XX/XX/2020 XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

I contacted ally financial about the late payments on my account, each credit bureau is showing different months late the information they are reporting is not accurate and I asked for them to remove it, I have attached the letter I got back from them. 

my credit report XXXX XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX late 1 XXXX  ( husband ) report XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as you can so nothing is consistent on how ally reported to the credit agency 's. 

I just want them removed.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OR)

In XXXX of this year, 2021, when I was applying for a loan, my credit was ran and a derogatory account appeared on my credit report that negatively impacted my credit score. The original creditor, XXXX XXXX, a company in the state of Texas, sent the past due bill for {$83.00} to a collection agency by the name of MRS ASSOCIATES. I have lived in the state of Oregon since the age of six and have never opened an account with XXXX XXXX in Texas. I called MRS ASSOCIATES to dispute the account and I was told to send an email, so I did in XXXX, but never received a response. I feel I am a victim of identity theft and need this fraud removed from my credit report so that I can keep improving my credit score.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MN)

I am referring a case to the Consumer Protection Bureau as follows. 

First, please see the most recent document, 'New_Debt_Collector_Account.jpg '. This was sent to me on XX/XX/2021 and arrived on XX/XX/2021. This is a letter from " I.C. System '' telling me I must pay a delinquent account for " XXXX ''. An account I thought that was already settled by " Offices of the XXXX XXXX XXXX ''. Or so I believed. Until now... 

See attachment 'dispute.rtf '. This is the original letter I sent to " Offices of the XXXX XXXX XXXX ''. Within 'dispute.rtf ' is a very detailed, and extremely well articulated ( if I do say so myself ) dispute letter, delineating the abuses and reasons to " XXXX '' of why I would not pay the bill. In a response, sent back to me by " Offices of the XXXX XXXX XXXX '', 'dispute_response.jpg ', they said they would discontinue their collection efforts and no information regarding this account would be referred to the credit bureau XXXX 

THEN, 7 months later, from " I.C. System '' I receive, 'New_Debt_Collector_Account.jpg ', as first seent above, saying I still owe this debt.

My question, to " I.C. System '' " XXXX XXXX '' and the " Consumer Protection Bureau '' are : How can I dispute and then remove a debt, that I legitimatlly do not owe, and be exonerated from it, if " Charter/Spectrum '' can simply refer it to another debt collecting company to try and collect it? And then tarnish my credit? Is misleading a consumer like this 'legal '?

As 'dispute.rtf ' indicates, I even said I would contact the Consumer Protection Bureau and the XXXX. I did not originally do this and regret that decision, but I am doing so now!! 

Furthermore, due to the unparalleled absolute deceptive malfeasance on the part of " XXXX '' and these debt XXXX, I am considering approaching media outlets with my story. Consumers can not and should not be ripped of this way and their credit tarnished, while a corrupt telecommunications company and their debt collecting cronies attempt to charge them for several months of internet they never had. 

This is fraud, it is illegal, and it needs to stop. And I wish to be exonerated from this debt as I was originally led to believe!!! 

Finally, if " XXXX '' are part of any class action lawsuits involving this behaviour ( and I'm sure they are ), then I wish to testify on the behalf on any government, individual, and/or private institutions as to the corrput nature of entities such as " XXXX '' and their debt collectors, and hereby consent to providing all the following statements, including all attachments herein, and any testimony they want me to give as evidence. 

-XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (NC)

I was contacted on XX/XX/2021 at XXXX by a woman from Peragon Revenue Group to collect a {$790.00} medical debt. When i explained I thought I had already paid and questioned the validity of the debt, she got extremely angry and told me I was incorrect and this was for the hospital not medical provider. I asked for validity and she continued to become angry and I told her I wasnt going to pay without proof. When I said that, she told me fine, I will call the hospital and tell them to put this on your credit report and it will affect your credit! I have rights to ask for validity which she denied and I have rights not to be threatened for a debt I will gladly pay once validated!! Unacceptable.
Consumer complaint received 2019-03-09
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: EQUIFAX, INC. (MD)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency.

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ).

I do not have any business with your company, and I do not owe this alleged debt.

A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Addition to complaint XXXX On XX/XX/XXXX, I transferred {$99000.00} to my Truist Bank Mortgage from my Truist Bank Checking . Additionally, I transferred {$12000.00} from the same checking account to my mortgage. 

Per multiple chats, it appears that Truist Bank is sending me a check via UPS for the {$99000.00} rather than applying it to my mortgage. This violation of the mortgage contract is the absolute opposite of the normal borrower default of the contract. In this case, it is the lender that has defaulted on the contract. There is NO PREPAYMENT PENALTY on this loan and my payment should have been accepted. As it was not, Truist bank is in default of our mortgage agreement. 

Why did Truist accept a {$12000.00} payment and not a {$99000.00} payment? Both were valid transfers and from an approved source ( Truist Checking account ) ( Follow-up on the prior message : XXXX in the XXXX XXXX XXXX XXXX SC XXXX has not followed up as stated in our XX/XX/XXXX conversation. ) Again, Truist has violated the terms of the mortgage.
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Credit System International located in XXXX Texas has reported 6 medical collections on my XXXX credit report and after several attempts to have them removed because 1. They do not belong to me, 2. They have violated my HIPPA rights according to the FRC law, and 3. I didnt give permissible to Propath if I did owe these debt which I dont to sell my information which is HIPPA to a collection agency. I have asked and now I have filed a suit complaint because they will not remove from my consumer bureau.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I want to report repeating incorret questionare problems I encountered by logging into the Experian credit service and policies today ; as well as problems not being able to speak to a live person today. 

I called Experian questions department that was referred to me by an XXXX letter dated XX/XX/XXXX due to a previous log-in issues dated XX/XX/XXXX ( I had my PIN number ) and a verification of a new address, which is not new, but a variation of this existing address that we live on for seventeen and half years now. 

I wanted to submit a copy of my driver license and a phone bill as a proof identity to clear up any record problems. Our address variations are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX These are all the same address and the last two abbreviations were used for fifteen years without problems. Recently, our post office wont deliver certain mail or packages if the street name is XXXX XXXX or XXXX XXXX. 
I did get locked out of Experian due to one of the variations being listed as previous address, which is not correct. 

Once again they have errors in their records, because I answered questions No. 1, 2, and 4 absolutely correctly. Question No 3 was about credit card names, which I did not recognize. I verified the information per their XXXX credit report for my husband dated XX/XX/XXXX and my credit card statements. This report was provided to him due to a complaint filed with your office XX/XX/XXXX ( Complaint No. XXXX ). 

I am also running into problems with Experian listing an employment at XXXX XXXX, which is my husbands previous employer, not mine. I wanted to make sure XXXX   does not list it as well.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MO)

On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

Have submitted proof to XXXX  on more than XXXX occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Consumer complaint received 2023-02-22
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)

On XX/XX/2023 Experian responded to my CFPB Complaint concerning an investigation on unverifiable and inaccurate accounts from XXXX : # XXXX and XXXX XXXX : XXXX XXXX, I also provide a list of 15 USC Laws of reporting violations. Experian stated that 'We already have reinvestigated this information with the data furnisher. They responded and verified the accuracy of the disputed information '. Please provide me with the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

Have submitted proof to XXXX  on more than one occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Consumer complaint received 2023-02-22
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. (NY)

I want to open a new account at XXXX  XXXX XXXX, but was unable to do so because my Experian credit report was frozen. I contacted Experian, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my Experian credit report is frozen. 

I don't know whether the problem is with Experian or with XXXX  XXXX XXXX, but I am at my wit 's end. 

Please help me resolve this problem