davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed XXXX XXXX XXXX {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement
Consumer complaint received 2017-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (OH)

I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the account. ''
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

I received a collection letter by USPS from Sunrise Credit Services for {$220.00} referencing XXXX XXXX XXXX XXXX, claiming a balance past due. I have not contacted Sunrise Credit Services. I closed the referenced account 1 year ago.
Consumer complaint received 2020-10-20
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXXshows XX/XX/XXXX, XX/XX/XXXXshows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXXAccount # : XXXX
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (NC)

In XX/XX/2021 I responded to an offer of credit and asked for more information after talking with them my current mortgage holder told me that they would match the rate they were offering and not apply any origination fee or closing costs. In one of the phone calls with Sovereign Lending Group I told them this and they kept telling me that this is the same thing they were offering but when the disclosure were mailed it in fact was not. I asked them to stop contacting me several times as I was going to stay with my current lender because they can match the rate and not charge all of the XXXX dollars in origination fees for closing the loan. I have sense answered the phone several times they always call from a different number and it is a different person but it is always a 949 area code. I told them in the beginning of XX/XX/2021 that I did not appreciate them calling me so much as I would about XXXX hours a week and that under no circumstance would i do business with someone that operates with such predatory practices. I work in XXXX so I understand that people dont always take no for an answer and often respect them for trying but this is beyond that. Subsequently after I told them I was going to stay with my current lender they pulled my credit again at the end of XX/XX/2021, they responded by saying they did not request it. The biggest problem is the high pressure tactics have moved to harassment over the past 45 days and do not feel comfortable that this company is going to safeguard my information because I have not done business with them. I have a myriad of emails and overnighted envelopes, and wonder what they are able to push XXXX folks or people that come from a different socioeconomic background. I imagine that an audit into this companies practices would reveal many violations and really all I would like is for the harassment to stop and my information be stricken from their records. Also they need to to remove the additional unauthorized inquiries that happened in the end of XXXX The employees that I have names for are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I have more letters but the issue really is the verbal communication and the crazy amount of phone calls
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.
Consumer complaint received 2023-01-28
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. (KY)

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off XXXX balance update is XX/XX/XXXX XXXX is reporting a balance update of XX/XX/XXXX and Equfax is reporting a update balance on XXXX is also reporting a high balance of {$430.00} and equifax and XXXX doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXXXXXX XXXX XXXXXXXX is being reported as charged off XXXX  balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and equifax is reporting balance update XX/XX/XXXX tyransunion is reporting a high balance of {$1000.00} and equifax and XXXX is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting balance update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX Eqifax is reporting balance update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors 4. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on XXXX XXXXXX/XX/XXXX transunion is reporting a balance update XX/XX/XXXX and equifax is reporting a balance XXXX XX/XX/XXXX XXXX and XXXX are reporting a past due balance of {$2900.00} equifax is not reporting this XXXX. XXXXXXXX XXXX XXXX XXXXXXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reorting a past due balance of {$520.00} XXXX is not reporting this information XXXXXXXX XXXX XXXX XXXXXXXX is reporting as charged off XXXX is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reporting a past due balance of {$1000.00}
Consumer complaint received 2021-02-22
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (NJ)

I was told if I set up auto pay and had a bank account with Wells Fargo that the interest rate would be less. Interest rate is 5.99 %. My loan started repayment XX/XX/XXXX, and I had about {$10.00}, XXXX balance. I am paying more interest each month than principal ( which is definitely not 5.99 % ... more like 55 % ) and the interest is not decreasing as principal decreases. As an example, I paid over {$1100.00} in interest last year and only {$460.00} in principal. I have called several times to see how I can pay sooner to get the principal lower and therefore pay less interest but can not get a straight answer. Since my payment is due on the XXXX of each month, I tried paying on the XXXX for the following month ( to pay ahead and therefore pay less interest ). They then still took the auto payment on the XXXX, which should have then been all toward principal ( but they still took interest ). I'm being told interest is compounded daily but the paperwork I have says APR and it was very misleading. They assessed a late fee when I wasn't late ( I had auto pay ) and the management has been horrible. Now, I received a letter that they are getting out of the student loan business ( which they should because they are ripping off students ) and selling the loan to XXXX XXXX, a division of XXXX as of XX/XX/XXXX. I feel they should be held accountable for their fraudulent practices and my account should be adjusted correctly. If I compare my Federal student loan ( which is at 4.66 % interest APR ), the computations are totally different between the two. Upon researching Wells Fargo, I see many complaints regarding their student loans and it isn't right that they are just getting away with it and selling out our loans to another firm ( although I am hoping that the management is improved ). I will be looking to refinance as well because I can not afford to be paying for a year and have paid twice as much interest as principal. Please help.
Consumer complaint received 2018-07-11
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MD)

Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Late Payment Removal In accordance with the FCRA XXXX XXXX and XXXX XXXX XXXX has violated my consumer rights. 
15 U.S.C. 1681 Section 602 ( a ) states I reserve the right to privacy 15 U.S.C. 1681Section 604 ( a ) states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Resolution box Please remove this late payments from my consumer report.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX sent my account of XXXX dollars to collections after my payment did not process correctly in their system. Called and got the payment to post to their system and was told they would not send it to collections. 30-45 days later I got a letter stating Central States recovery Phone # ( XXXX ) XXXX was now collecting on their behalf XX/XX/XXXX. Wasnt until this year I called central states recovery on XX/XX/XXXX to settle the original amount for XXXX dollars. No response so I called again XX/XX/XXXX and was told XXXX  XXXX XXXX was unresponsive in my attempt to settle the debt. Today as of XX/XX/XXXX I have not received any further communication. Over 30 days from when I attempted to settle the debt. If XXXX XXXX XXXX is unresponsive to my attempts to settle the debt the debt needs to be removed from my record. Was told I would be receiving a call in a couple days both times and have had no further communication.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

On XX/XX/2021, I received " important notice '' from Focus Financial Services, a debt collector. 
F.F.S. received my dispute letter on XX/XX/2021. 
Today, XX/XX/2021, I did not receive anything from F.F.S. so far. 
Is there a deadline by law that the debt collector have to respond to a dispute letter? 
Also, on the F.F.S. notice letter dated XX/XX/2021, I did not received enough information about the alleged debt. 
More so, I did not receive any information about all the info I was asking to F.F.S. on my dispute letter dated XX/XX/2021.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is showing that I owe {$350.00} on a revolving account. They are reporting it to be in a Negative status. The account was paid of in XX/XX/2015. They refuse to change the status and it is affecting my credit in a negative manor.
Consumer complaint received 2023-04-04
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: Paramount Recovery Systems, L.P. (GA)

I checked my credit and saw three medical bills reporting from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$660.00} ; one account from PARAMOUNT RECOVERY SYSTEMS from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CA)

EQUIFAX has continued to create roadblocks to my checking my report with EQUIFAX. Please investigate this repeat offender. This company has exposed my information in a day breach and I have had problems with the consumer report, receiving credit and other issues. I've had lots of mental anguish. I am worn with this company and the fraudulently activity committed against me. Please make this matter public. This credit reporting agency has allowed several companies to access my consumer file on an unauthorized basis a total of XXXX  times, so far.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am representing XXXX XXXX, located in XXXX NY. we have a charge card account with Chase. We never carried a balance on this account. Due to COVID-19 and lockdown in XXXX, we went through difficult times. We learned about Chase 's payment deferral program at the link below and applied for the payment deferral. 

www.chase.com/paymentassistance I just found out that chase is offering payment assistance and allowing account holders to defer payments while they are still charging interest at the normal rate 15.99 %. This is not only a false advertisement but also a bait-n-switch program created at the most inappropriate time for businesses and consumers. Chase 's payment deferral program should be revised and all other accounts that have been charged interest should be compensated in a timely manner. Based on our experience, Chase 's payment assistance program is designed to create more revenues while account holders are going through difficult times. Please reach out to me if you need more information. 

Sincerely, XXXX XXXX, VP XXXX XXXX
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MO)

XXXX MyLoancare is not giving me my Pay off statement for refinancing. 

I have been asking them for month and half.I have made many phone calls to them. 

From : my email address here Sent : Tuesday, XX/XX/2021 XXXX XXXX  To : Payoffs MyLoanCare Subject : Payoff Request ( Ticket # XXXX )
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

On XXXX XXXX of this year I called National Credit Adjusters ( NCA ) because I received an eviction notice to vacate my rented home. The owner is destroying the dwelling and building a new subdivision. I went to purchase a home and found that NCA had reported that I owed XXXX , I called to dispute but they convinced me that the best way to have it removed was to pay it. I did, reference # XXXX, spoke to XXXX XXXX, and it would be removed. After writing them calling them, disputing to XXXX, sending XXXX proof by the coorospondence, calling XXXX the account still shows on my credit report. They finally reported it as paid last week but it is still on the report and is preventing me from a home loan with XXXX XXXX. They told me the VA would not approve the loan untill it is removed. I will soon be homeless because on XXXX XXXX I must go before a judge in XXXX XXXX County FL. to explain why I have not moved. NCA has stopped returning my calls and stated it will remain.