davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Agency of Credit Control (CO)

In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (KS)

Hi, It seems that Chase has been denying my credit card application under a generic reason. The reason they say is that too many credit inquiries. I have a good to excellent credit and feels like they are denying my application on other factors which I do n't know of. 

Please let me know if I can provide any additional information. 
Thank you
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/2022, a company I didnt authorize pulled nearly all my money out of my account totaling {$660.00} and Chime Bank is doing nothing to rectify this. They told me I may have to wait two months and wont provide me so much as a provisional credit. Theyre treating me like a criminal. I am now left with no money and no means to buy food or put gas in my car. Please help me retain an attorney. They are wreaking havoc on my life.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statebridge Company (FL)

Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE ASSOCIATED COURTS PER THE COURT DISMISSAL
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA (CA)

A representative from American Education Services ( AES ) contacted me regarding terms of my student loan, During the conversation he asked if i wanted to have him set up auto pay. I said yes. He set up wrong amount by about 5 dollars a month. I wrongly trusted AES employee acted correctly. Unbeknownst to me though I was paying every month, on time, but not the full amount ; In turn they reported it every month to the Credit Bureaus as late continuing up to 180 days late every month! 
This went on for quite a while because their correspondence seemed like attempts or options for me to pay increased amount on principal. Eventually, when I checked my credit report I noticed many the derogatory charges. I contacted AES, explained the situation and corrected their mistake. I took ALL steps to reimburse them fairly. Currently I am paying more than required amount. However ... ... 
When I asked them to amend my credit report they said they do NOT do complimentary credit report changes. Period. I acted in good faith and remain in good standing with my loan terms. I do not believe they did. 
******This is affecting my ability to buy a house*******. What other recourse do I have? 
I am a XXXX and Military XXXX as well. This kind of company practice should not be put on us who have done everything we can to protect and serve our country and its citizens. Thank you.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I was renting an apartment from XXXX over 2 years ago. And am now just seeing I have a XXXX dollar past due bill sent to the collection agency IQ Data int'l. My roommate at the time already paid what was due on the apartment after we moved out. And I am currently trying to track down proof of that transaction.
Consumer complaint received 2017-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern My Na me is    XXXX   XXXX   XXXX   m y complaint is with    XXXX   XXXX   XXXX   XXXX   is two  parts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX   in  XX/XX/XXXX   XXXX  in doing so it was not aware that recommit my loan with    XXXX   XXXX   XXXX   XXXX   ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX   XXXX  . we were told by the person handling the modification process with    XXXX   XXXX   that for us to qualify for the modification, we  had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted   XXXX   XXXX    about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Consumer complaint received 2017-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC. (WA)

I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.
Consumer complaint received 2022-08-10
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. (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (PA)

I requested a credit increase on my Lowes Business Account in the month of XXXX, 2017, online using Lowes Request Increase function on their website. The request was denied. I received a letter ( will upload as an attachment ) stating : Synchrony Bank has reviewed your request to increase the credit line on your business account with Lowe 's Business. Due to the following reasons ( s ) we are able to approve your request : Low payments to balance in the last 2 months on this account Low payments made in the last 3 months on this account. 
Low payments made in the last billing period on this account Recent delinquency on this account The letter does not state where they pulled any credit information. It does not state XXXX, etc. 
The letter merely states the reasons were based upon 'on this account ' referencing that they used by Lowe 's credit history in determining the denial of request of a credit increase. 
I called Synchrony Bank ( Lowe 's ) regarding the letter, stating to them that none of the 4 reasons were true. At no time did any of the 4 reasons listed in the letter were true, or factual. They stated that I should contact the credit bureaus and file a credit report request and dispute with the credit bureaus. I stated to them that the letter did not have who they used as a credit inquiry bureau source. They still stated I was to dispute the issued based upon : 'We came to our decision based upon information supply by the credit bureaus '. I called all XXXX credit bureaus and none of them have any requests for information from Lowes, or Synchrony bank within the last 3 months. 
The reasons for the credit increase denial are incorrect. 
I believe I was not treated fairly. 
I believe they ( Synchrony Bank ) aka Lowe 's used incorrect information on assessing my credit worthiness.
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it
Consumer complaint received 2021-10-04
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. (OK)

Top whom it may concern, I am reaching out to file a complaint on the credit bureau Experian. I submitted a Request For XXXX XXXX dated XX/XX/2021 and XX/XX/2021 regarding 2 entries on my credit report in which Experian neglected to appropriately respond. After 2 requests, 30 days apart from each other, Experian responded by email that my dispute was concluded and credit report was updated. I have not received correspondence answering my request by postal mail or email the information regarding the dispute ( The Experian employee that conducted the investigation, who they spoke with, their title, contact & any data used to support the accuracy of the entries ). The credit report entries are titled US BKPT CT IL XXXX REF # XXXX. And XXXX XXXX XXXX Account XXXX. 

The issue that exists, is that over the past 6 months Ive been engaged with them over this matter regarding the accuracy of these accounts with no success ( only an alert that the report was updated ) and am requesting assistance from your office to resolve this matter. If Experian continues to refuse to comply with this request I am asking that they remove these account entries and send me an updated report reflecting those removals. 

Thank you, XXXX XXXX. XXXX
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NEW CITY FUNDING CORP. (SC)

I have reached out to New City Funding Corp to request copies of all contracts that were obtained in my name. Under the FCRA these creditors are required by law to provide documentation and notice of these accounts. I have called, sent multiple letters, and send multiple fax. I have not authorized this vehicle loan to be placed in my name and request that they be removed immediately or I will seek to pursue legal action.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have informed Transunion and XXXX that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX {$1900.00} XX/XX/XXXX
Consumer complaint received 2016-08-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (FL)

I recently paid off my car loan on XXXX and have been contacting US bank every day to get the lien released. Every day I get a different answer, 7 - 10 days to process 4-5 days to process, I have been told 3 times the load was paid on the XXXX, until today which is XXXX and was told it was just processed today and another 7 - 10 days to process then mail to me. It is electronic and I have someone who wants to buy the car but ca n't until the lien is cancelled. I have been hung up on three times when asking to talk to a supervisor, or put on hold for a brief moment to check the status and 35 minutes later I hang up. I fulfilled my obligation and am getting frustrated about getting the clear title to my car. They only have XXXX customer service number so you have to go through the same log in each time. They have closed my account, which they did the same day the loan was paid, so I ca n't even go online to find out what is going on. They have no local banks so I ca n't go in person to speak to a banker.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has charged me again for an annual membership fee. I got a letter from XXXX XXXX who advised me I would not have this fee on my credit card. I had to cancel my card for I did not recognize a charge on my account - the credit card company took this opportunity to charge me for the annual since I had to get the new card. I am highly upset about this. They also charge me for a late payment fee when I paid the bill. The payment has not go through since I had to cancel the card. I was out of the country taking care my sick relative. It is so sad to have to come back to bogus charges. I already have too much going on. The company also rebilled me for a charged that was disputed for {$13.00}. The company claimed I received credit from the vendor but I had XXXX charges from XXXX for the same amount - I never received credit for the second. I am so upset with the credit card company.
Consumer complaint received 2022-09-07
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. (MS)

Dispute : Texas Attorney General Office # XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX. 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (OH)

There is a charge off listed on my credit reports ( XXXX, XXXX, and XXXX ) that has {$0.00} balance and is closed. I attempted to contact the company to verify the account via US mail. The letter was delivered certified, on XX/XX/XXXX. The company failed to respond and was not able to verify the account, yet it remains on my credit reports. 

Attached is the letter requesting verification. Also, attached is a receipt from the US Postal Office and an image of the US Post Office 's site with tracking information, showing the letter was delivered 45 days ago on XX/XX/XXXX.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status update.
Consumer complaint received 2022-03-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Select Portfolio refuse to adhere to bankruptcy laws of United States XXXX XXXX proceeding with XXXX XXXX XXXX XXXX mortgage settlement, in addition to paid off lien over the last 8 years based on court order for lien located at XXXX XXXX XXXX, XXXX XXXX  XXXX. 

Failure to provide CERTIFIED copy of legal right to assert lien or claim against property at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX under countless Qualified Written Request A refund is NOW due in the amount {$230000.00} due to OVERPAYMENT and illegal collection mortgage does not exist with investor fraud. Does not have court approval or order to make changes to funds received in last eight ( 8 ) years. Reporting debt personal credit ruined credit and maniputate credit history. Fraudulent documents provided by XXXX XXXX XXXX and XXXX XXXX in XXXX Violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., HUD Regulation X, 24 C.F.R. Part 3500 ; Improper and unauthorized fees, 11 U.S.C. 506 ; Unapproved fees, Fed. R. Bankr. P. 2016 ; Willful violation discharge injunction violation, under 11 U.S.C. 524. Violations of the Fair Debt Collections Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Violation of 11 U.S.C. 1129 ( b ) ( 2 ) ( A ) ( i ) ( 1 ), ( I1 ) provides that the creditor has to receive deferred cash payments " totaling at least the allowed amount of [ its ] claim, of a value, as of the effective date of the plan, of at least the value of such holder 's interest in the estate 's interest in such property.