davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Herbert P. Sears Co., Inc. (CA)

I entered into an agreement to pay {$30.00} each month until the balance was paid in full. After some time ( a year or XXXX maybe ) the company refused to acknowledge this agreement and reported it each month as " Failure to Pay '' even though I made my payment every month, often more than the agreed amount. It took 4 years to pay it but I paid every dime + interest that i owed per the agreement I entered into despite the fact that they failed to honor their end of our agreement. They are still reporting it as Failure to Pay on my credit report. Attached is a record of every payment made and when it CLEARED my bank as well as the interest paid each month ( final payment was not recorded but was paid in XXXX or XXXX 2013 ). I also have statements from the company if you need them showing my payment amount and the due date.The statements stopped coming I assume when the person I made the agreement with left the company 's employment. I do n't have immediate access to them but will locate them in our storage unit and have them available should you require them.
Consumer complaint received 2024-05-20
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: Medical-Commercial Audit Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MCA MANAGEMENT COMPANY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that MCA MANAGEMENT COMPANY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MANAGEMENT COMPANY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCA MANAGEMENT COMPANY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MANAGEMENT COMPANY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage loan was with XXXX XXXX ( act # XXXX ). It was later transferred over to NewRez, although the payments continue to be made to XXXX XXXX. Apparently, XXXX XXXX subservices the loan. 

Sometime after the XXXX statement, there was some kind of change ( Loan continues to be subservised by XXXX, and continues to be under NewRez. However, aside from the monthly mortgage and escrow payment, they charged a {$1200.00} fee. 

I called them multiple times asking about this fee, and all they tell me is that it's a processing fee. I have never heard of anything like this. They just decided to tack on {$1200.00} to my mortgage payment which I have not paid, and has been carried over month to month. 

I have tried looking on the internet to see if anyone has received anything like this, and found nothing. I don't understand how a company can tack on {$1200.00} just because they feel like it. I have never been behind on my payments ( even during XXXX ). I have made all my payments on time. 

PLEASE HELP!
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (IN)

I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Dynamic Recovery Solutions, LLC (FL)

A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Bank of America account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Bank of America posted the debit amount on the same day, XXXX/XXXX/2016, but held " pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks
Consumer complaint received 2023-03-30
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. (SC)

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (IA)

I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in XXXX. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. XXXX score is over XXXX. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially experian. I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

The outstanding balance on my mortgage has been below 78 % since XX/XX/2021. My mortgage service company in a previous phone call indicated that this would happen automatically. Now after not doing this, they are saying I have to fill out a form. My understanding is that they are obligated to remove PMI when my balance is below 78 % of the original purchase price of the home. 

My mortgage servicing company is RoundPoint Mortgage Servicing
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (TX)

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  that I did not authorize see the attachment.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (NY)

Hi, I found out that there is judgement on my name by Midland Funding LLC. I was never served any papers or notified about this lawsuit or the judgement. I found out from my credit report. On doing some research I found out that your organization ( CFPB ) has sued them and their parent company. One of the action on them was to release or vacate all lawsuits that were wrongly filed. Is there a list somewhere I can look up if mine is there and how can I get the records corrected in the court, as this is public and hurting my credit. Can you help pointing me to some source where I can get help on this. Thank you for all your works for protecting consumers like me. We all ( consumers ) appreciate the work your organization does. Great work, Thanks again.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MI)

Chase has allowed several checking accounts and one credit card opened in my name within their system. After alerting them to the issue, and them closing the fraudulent account they continue to allow these individuals to open accounts in my name. I had even placed a freeze through XXXX and it seems that chase 's system does not utilize any proper security systems. It appears that they do not want to change their system. This is why I'm providing this complaint to you. 

let me know if you need further documentation. 

Thank you, XXXX XXXX
Consumer complaint received 2020-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

print iconPrint Your Report Potentially Negative show XXXX  button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.
Consumer complaint received 2022-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

In XXXX of XXXX I filed a Chapter XXXX bankruptcy and in XXXX of XXXX I had to file a chapter XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the chapter XXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on two others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving ten years in XXXX Prison when this collection was put on my credit report. So this is ID Fraud
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.     PORTFOLIO RECOVERY  XXXX    XXXX   XXXX    XXXX , VA  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Gerald E Moore & Associates, PC (NC)

On XX/XX/2016 I notified my property managers that I will be vacating my rental due to XXXX orders I provided them with the orders to break my lease. I left country XX/XX/XXXX and did not occupy the residence in the month of XXXX. The property managers however threatened to report me to the credit bureau as well as keep all remaining funds from my deposit if I did not pay the month of XXXX as well as asked me to pay from XXXX XXXX XX/XX/XXXX and whatever they do not spend they would send back to me but I refused due to military rights and clause. They reported me for unpaid rent and damages that are false. I did an inspection with one of the property managers as well as forwarded an email with proof of cleaning services but they still falsely reported this information to the credit bureau. during our walk thru the manager stated that holes in the walls from pictures will be taken out of the deposit I agreed and the manager stated that it wouldn't be no more than {$200.00} of which my deposit was {$690.00}. I also purchased new blinds and fixtures for the entire apartment, no other damages were noted. I ask that this be removed from my report due to false information and threats to attempt to seek debt not owed