davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OR)

I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

In the XX/XX/XXXX green tree servicing bought out the servicing rights from XXXX XXXX XXXX. The first month and a half were as usual, the people were confused but helpful when I called and asked what happened with the transfer of servicing. I had mailed my XXXX payment with my XXXX payment book statement as we always did. Two weeks later we received a late notice. The notice informed us that the full amount had not been paid, that they had increased our escrow amount to match what they called their policy. they like to keep an extra 6 months on top of the normal escrow amount available. We called and they told us about their escrow policy, two days later we received a letter in the mail detailing their escrow policy. So basically we had the option of our rental propertys loan to go up XXXX a month or pay XXXX. I refused to pay any additional escrow above what was needed. That 's when the phone calls started, a representative named deny called me XXXX times a day, telling me I was not fulfilling my obligation to green tree. Not fulfilling my obligation as a man he once said. One time even sending me to another representative to try to get me to start the short sale process, on my home that in his opinion was way underwater. XXXX which it was but so was everyones ). My argument was I had an agreement with XXXX and they should honor that not vice versa. Still the calls came. finally we did write a check for the additional escrow after three weeks of nonsence, and filed a complaint with green trees management. Two months later I refinanced XXXX. It was worth paying almost XXXX in closing costs to rid ourselves of this bogus XXXX company.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct- XXXX, XXXX OF XXXX XXXX, XXXX XXXX  XXXX ACCT : XXXX, XXXX  XXXX  ACCT : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, DEPT OF ED ACCT : XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX, XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, XXXX  XXXX ACCT : XXXX, DEPT OF ED accounts : 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.SC 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 2021-04-06
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, I am an elderly man with resources. I have employed business managers and worked with personal bankers to insure my affairs are not out of order. However even though I have done my very best to insure that i am insulated from mistakes that can occur, one can not completely protect themselves from mishaps or fraudulent activity. The late payment appearing on my Chase credit card account is not my fault it is the result of both a mishap and fraud.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. 


Thank you so much I appreciate your business sincerely
Consumer complaint received 2024-03-01
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)

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX. XXXX XXXX acc # XXXX XXXX  XXXX acc # XXXXXXXX XXXX XXXX  acc # XXXX 15 U.S.C 1681 ( A ) 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 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (AR)

XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. 

! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 

2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? 
Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 

3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Foundation, Inc. (NC)

I have an FFEL Master Promissory Notes ( student loan ) with College Foundation of North Carolina. I am trying to determine if they can validate that I approved of, or provided authorization of loan dispersements in XXXX, XXXX, and XXXX. Thus far they have communicated that disclosures were sent to me at the address I had on file at that time. 

I am only trying to determine if CFI can validate that I signed any of the following : 1. Electronic Funds Authorization, 2. Master Check Authorization, 3. Loan Check, in connection with my Master Promissory note. 

I need to know if I signed any of the documents listed, or if they can validate that I have done so by providing a copy of said documents with my signature.
Consumer complaint received 2018-09-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (HI)

I have been receiving monthly bills by mail & and paying online ( no problem ) ; without notification they, OCWEN, changed their policy that, if I receive a paper bill by mail, I can not pay my bill online with out a $ XXXX charge. 
I called them about the issue, & they said basically, tough luck, thats our policy. 
Is this legal?
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (FL)

I have filed numerous disputes with Experian credit reporting agency about two items on my report. I have asked for verification of these two debts but I have not received any proof of this debt. I called both agencies that have report these debts and they refuse to provide proof of this debt to me. The fist account is child support XXXX/XXXX/XXXX account # XXXX the address for this account is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And the second is child support Enforcement account # XXXX The address for this account XXXX  XXXX XXXX, NY XXXX. I have called and written this corporation and I havent received any thing from the verifing that I owe them any money please advice on what to do now!
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 — Information belongs to someone else
Company: Convergent Resources, Inc. (MI)

On XX/XX/2019 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and XXXX. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

From the 2 previous compliant, I received communication from the bank ( TD Bank ) that the funds on hold needed to be claim by the maker XXXX XXXX XXXX ) of the check, therefore they wanted the maker to file a claim. Please see attached. And the maker of the check reply by stating that we needed to take it up with the bank ( Td Bank ) or the US treasury as the check had already clear their account and they could help me any further please find letter attached. Therefore we are still in a back and forward situation with no funds to us.
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.
Consumer complaint received 2018-09-28
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/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to Experian credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XXXX XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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.

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2022-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

My name is XXXX XXXX and I've tried to fund my Binance US account ( XXXX ) with two separate wires - the first wire of {$200000.00} was sent out on XX/XX/XXXX and is currently being held by Binance US without allocation to my account ; the second wire of {$470000.00} was sent out XX/XX/XXXX and has been either misplaced or misappropriated on their end. I have all wire transaction number and confirmations to prove that the initiating financial institutions successfully completed sending the wires.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a natural person. I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All XXXX accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX also called XXXX XXXX to remove all reported items Transunion Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXXXXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXX XXXXXXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave XXXX a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be 100 % accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all XXXX accounts deleted immediately
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (DC)

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections.

2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and DIVERSIFIED ADJUSTMENT SERVICE , INC . 

3 ) ALSO, DIVERSIFIED ADJUSTMENT SERVICES INC, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to DIVERSIFIED ADJUSTMENT SERVICES INC, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding DIVERSIFIED ADJUSTMENT SERVICES INC, ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ).

Any other communication going forward DIVERSIFIED ADJUSTMENT SERVICES INC, will be liable to me {$1000.00} each occurrence under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act. 

Respectfully, Reference : XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have reviewed my consumer reports and noticed that I have XXXX late payments on my account that I was never late for. The consumer reporting agencies play a crucial role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots attached to this complaint, specifically on the dates XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to " paid as agreed on-time '' as they should be, due to the fact that I was never late. Thank you. Please see the screenshots attached.