davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

IwasnotifiedviaemailalertofdisputeresultsaftercontactingXXXXXXXXtodisputeanunauthorizedinquiry.Afewdayslater,ExperiansentmeDisputeResultsindicatingXXXXXXXXXXXXisUPDATED.andtwoseparateentriesonpages3-4arereinsertedafterXXXXwasDELETEDonXX/XX/XXXX(Report#XXXX).ThisentryappearsasifitistwoindependentaccountsbecausethebalanceinformationindicatesXXXXwithadatepaymentreceivedonXXXX(pg3),andXXXXwithadatepaymentreceivedXXXX(pg4).Documentsattached.

IwroteEXPERIANonXX/XX/XXXXinformingtheCRAthatIreceivednonoticethisitemwasre-insertedanddisputethevalidityofinformationandalsoindicatedIamnotprivytoanydisputeinvolvingthisitemthatwaspreviouslydeleted.Supportingdocumentationwasprovided,includingacopyofaswornaffidavitofdenial.

PriorcommunicationswithXXXXindicatethereisnobindingcontractandIwasdeniedanopportunitytoinspectanyinstrumentthatcanproveindebtness.XXXXalsorefusedtoacceptpaymentinfullinexchangethePAPER(note)thatholdsmeaccountablefortheallegeddebt.

AnyreferencetoXXXXXXXXXXXXshouldnotappearonmypersonalcreditreportbecauseitwaspreviouslyDELETEDbecausethedatacannotbeverifiedasoutlinedintheFairCreditReportingAct(FCRA)andassuchviolatesmyrightsasaconsumer.ThereisalsoquestionablebehaviorsthatmayalsoviolatemyrightsunderFDCPAforunfairreportingbecausecounselforXXXXintentionallydeceivedmeviatelephoneandanelementofharassmentand/orintimidationoccurredbeforetheircourtactionwaswithdrawnforalackofevidenceandnotserviceastherecordsindicate.

EXPERIANrefusedtoremovetheitemsindisputeandrejectedmyrequesttoblockthisitemfromcreditreporting.TheitemwaspreviouslydeletedandIreceivednonoticeofre-insertionasoutlinedinFCRAsection611andIdemanditbepermanentlydeletedandblockedfromreappearingonmycreditreport.XXXXandXXXXarenotreportingthisitem,onlyEXPERIAN,indicatingitsaninternalproblemwiththiscreditreportingagency.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

My mortgage payments are made directly to my Mortgage company from my Credit Union account on a monthly basis. My original loan was with Chase and then was sold to XXXX XXXX Services. When it was sold to Chase XX/XX/2013 there were two payments that were never posted for XX/XX/2013 and XX/XX/2013. They were just forwarded over to XXXX and I have been charged with two late payments ever since that time going forward. I have contacted XXXX and Chase both to have them do an audit of my account and they both said nothing came out of it to change my account to bring it up to date to clear the two late payments. I have also filed a dispute on several occasions with the credit bureaus with no changes.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
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XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
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Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.
Consumer complaint received 2022-08-10
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while Experian and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and XXXX are reporting the date last active as XX/XX/2022 and Experian is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TX)

I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!
Consumer complaint received 2021-04-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: YKS Acceptance, Inc. (CO)

To whom it may concern : I saw the write up on Herbies in the XXXX XXXX and was intrigued to send in my complaints we bought a XXXX Kia Sorento in XX/XX/XXXX. The total loan was XXXX To say the least the XXXX was worth a third of the loan. We went to trade it in last year finding that the XXXX XXXX value is less than XXXX. We stilled owed XXXX at that point so we would have to pay off the loan and have money down for a new vehicle. 

In XX/XX/XXXX the motor blew in the XXXX. They replaced it with a XXXX motor which has n't ran favorably since, it burns oil, has a knock and squeals obnoxiously. I 've had it in 3 times for them to look over the problems with them only dismissing the situation. And there is still an oil leak in the manifold, it burns oil obnoxiously. 

To say the least it has been very frustrating to pay for a overpriced vehicle that does n't run! So may times I just wanted to drive it and park it on their lot. Yet integrity even when taken advantage of is still morally correct. 

We also have a XXXX Chevy pick-up that is under the same scenario charged XXXX + and again worth half as much. And it has a device added to the motor that if you are late with a payment ... they disable the vehicle. Yet we have had the experience where they have taken out 2-3 + extra payments in 2 consecutive months. 

{$700.00} per person is minimal refund for the monies payed for a car worth half of what it is worth. And nonfunctional! 

I would like to know what 's being done about my specific situation. Please reply. 

Thank you! 

XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ROC Asset Solutions, LLC (CA)

Unfortunately this is my second complaint against the collection company XXXX. Today XXXX2017 XXXX from XXXX called my brother, my father, and myself regarding an account that was transferred from XXXX, to XXXX XXXX, and now XXXX. I previously spoke with XXXX and told her not to contact my family members however she continues to do so and has also discussed the details of my account. XXXX from XXXX ( phone # XXXX XXXX XXXX ) also sent a series of text messages to myself and my father from phone number XXXX seeking information. Please note neither my father or my brother are on my XXXX XXXX account and prior to it going to collections I had almost paid off the total balance but fell on hard times ( I had XXXX dollars remaining from a XXXX dollar loan ). I feel as if I am being harassed by XXXX at XXXX, she previously threatened to put me in jail for fraud and continues to contact and harass my family members please help this is getting out of control.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc. (FL)

DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TX)

I tried to make a purchase to XXXX for {$200.00} on XX/XX/. It was authorized but XXXX canceled the transaction immediately. Chime acknowledges the payment was canceled but is still not releasing the hold on my funds. They say it will take 7 business days, which makes no sense because the transaction was canceled before it settled. There is no reason to keep holding the funds any longer. I need my money released and back in my account.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My nephew and I dined at XXXX  As with XXXX  the dishes are small like appetizer size We did not order XXXX XXXX ( last item ) The cost is XXXX XXXX plus 7.4 % service and 10.6 % VAT comes out to XXXX XXXX  or approx {$14.00}
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, I sold my Bitcoins on Coinbase.com to my Coinbase XXXX. Then i started a withdrawal to my private Bank account. I did this several times before. Everytime it worked. But that time it did not work. i started the withdrawal on XXXX. It says the money is on my bank account on XXXX. Still now the withdrawal is pending. But the money is not on my bank account and the money is not on my coinbase account. i wrote several emails. i waited days now. but they dont do anything. 

I already called different managers of my bank in XXXX, but the money did not arrive till now. In my Coinbase account the status of the withdrawal is " pending ''. So Coinbase stole my money and dont answer my Emails. 

Please help me to get MY money back. 

Thank you very much. 

Best regards
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2017-08-24
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: HW Holding, Inc (NC)

This account under the name Hunter Warfield keeps showing up and the amount owed each month goes up and down {$1.00} at a time. I have never had a contract or done business with this company. Also, it shows the account was removed from my credit report and now it appeared again a day later and I was not notified. I have submitted several disputes to have this removed and it is still showing and negatively affecting my credit and reputation with other open accounts I actually have relationships with.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (PA)

Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!!
Consumer complaint received 2015-08-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (GA)

I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX XXXX BANK IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN XX/XX/2002AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I have visited XXXX XXXX, XXXX, for services in early XXXX. There was confusion with the payment method due to miscommunication between the hospital and myself. It resulted into collections last year XXXX. I have contacted the hostpital and cleared the debt on XX/XX/XXXX. 
I believe this information got stolen, now, I have received the attached letter on XX/XX/XXXX from a fake collection agency " Medical Revenue Service '' for {$45.00} ( for the service rendered one year ago on XX/XX/XXXX ). I have called the hospital on XX/XX/XXXX and confirmed that I don't owe any money. I have also called the number provided on the fake debt collection letter, the person on the phone was very rude and just wants my credit/debit card details. I don't think any legitimate collection company would behave like that. 
Can you please take action on this company? His name was XXXX and he asked me send proof of payment to the email address provided is XXXX or fax to XXXX.
Consumer complaint received 2022-08-10
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. (TX)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.
Consumer complaint received 2022-09-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.