davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

Dear XXXX XXXX and Steven Business Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (DE)

I went to the doctor XXXX/XXXX/15. I had a {$72.00} co-pay I owed for a dermotology visit. I intermediately paid it when I received the bill ; paid XXXX/XXXX/15. The doctor 's office took and cleared the payment. Then they say they ca n't find the payment. I called to clear it up. They said to fax in proof of payment. I did that. They submitted the account to a collection agency. XXXX/XXXX/15 I received a bill from the collection agency ; I have a collection company trying to collect on an account that has been paid.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (PR)

There are some inaccurate information in my Experian Credit Report The account XXXX  XXXX XXXX XXXX shows a 30,60 days late before this account goes Charge off by the account provider. This is Factually Incorrect. 

The account XXXX XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect The Date of Status XX/XX/2021 on Account XXXX XXXX XXXX shows that this account has never been investigated. Remove this account. 

The account XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-06-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Creekside Recovery And Capital Management (PA)

I was contacted yesterday by a company looking to serve me with sealed summons. They gave me a phone number and when I called it was a debt collection company Creekside Recovery and Capital Management. They told me that if I didnt pay by XXXX, the summons would be served and legal action would be taken
Consumer complaint received 2015-09-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (TN)

Most of the issues above describe what this company has been up to. They have called my employer with threatening calls on taking leagal action, they have called my family with the same thing, they have called friends, neighbors etc. Most of these people they had to search for. They have harassed, made threats, etc. They refuse to send anything via postal mail and lie about it when asked. They have refused to provide any information on the company and have been asked XXXX not to contact me via phone, but again refuse to contact me via postal mail. They are a menace.
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (OH)

I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2017-05-22
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: Innovis (DE)

i have filed numerous disputes and complaints with Innovis on  XXXX  fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts  XXXX  #  XXXX  {$1600.00}  XXXX  #  XXXX  {$1100.00}   XXXX   #  XXXX  {$900.00} and  XXXX  #  XXXX  {$570.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2019-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

I received a letter from RCMB dated for XX/XX/2018 that stated I owed an amount for {$110.00}. 
I immediately sent RMCB a certified mail letter requesting validation of the debt. 
Within the letter that I provided to the CFPB is clear what i requested specifically and expected in return from RMCB .... 
However, what I received was a bunch of coded numbers and my name & address With no signature from the original creditor they represent .... 
I immediately called RMCB and asked why they did not provide proper validity of the debt and I was told by a representative they were unable to provide the items requested in my letter do to HIPPA Laws .... 
So I further ask the representative about the information I received about the debt that didnt have a signature and she made it very clear the information was not sent by their company and that the original creditor sent the information. 
So I immediately called the original creditor to ask why they did not provide a signature on the documents I received. 
XXXX made it very clear they did not send the documents and asked me what was the name on the actual exterior envelope? 
I then told the representative of XXXX it was sent from RMCB which is why I was calling because I was confused to who sent it. 
She indicated what the documents was but informed me they did not send them as stated by RMCB that denied sending them. 

So I am first not understanding why RMCB would deny sending this info and why RMCB is not respecting the law thats very clear according to FTC and FDCPA, for a proper validation of debt.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I Have disputed items with the creditor, after sending several letters to the creditor and never receiving any response from the creditor. They are in violation and have no verified or deleted the information. 
I have also disputed this same information with all XXXX bureaus and yes they have failed to investigate or remove these items. 
neither the creditor or the bureau have followed the FCRA and i want this information removed an I want an investigation against the bureaus and the creditors.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.
Consumer complaint received 2016-06-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Risecredit, LLC (UT)

I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (OH)

After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.
Consumer complaint received 2016-03-03
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CLX Systems/ Westwood Management (MN)

This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment!
Consumer complaint received 2021-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIBANK, N.A. (IA)

I sent Citibank a Cease and Desist in XXXX or XXXX. They have violated it twice this month, including when the Trump Administration had the loans on pause for collection. They have already been sent a Cease and Desist in the past and are harassing me again. What do I do?
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I have filed numerous complaints, had several different call center representatives research and continually ignore what the real issue, problem and answer is. Responding with large 80 plus page documents. I have thoroughly reviewed every page and even found errors I was not aware of previously. This was done to intimidate both myself and the CFPB.

With every complaint a new call center representative XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all assigned to pass the same 80 plus page document back and forth only with a new cover letter. All cover letters are the same stating they have tried contacting me which was done for the purpose of documenting a contact or for more time when they say they are trying to contact me.

That contact consist of a call where there is one ring and there is no one there when I answer. This has occurred on several occasions. This is a tactic. In addition WELLS FARGO HOME MORTGAGE has more than one contact number for me a land line of 25 years and a cell phone of 12 years. 

XXXX, XXXX, XXXX and even XXXX thought this was laughable. It is not, they are dealing with peoples lives XXXX seniors. 

Every complaint filed produces a computer generated letter from XXXX XXXX XXXX Vice President another tactic. 

However, no follow up is evidenced by XXXX XXXX or XXXX XXXX for that matter in any of the complaints filed. 

This is a very serious issue as it was originally initiated by the Department of Justice and HUD as a fair housing claim that ended in Federal Court. Believe me there has been nothing fair about the entire process. 

I am requesting that the issue addressed in complaint number XXXX Be thoroughly reviewed by these two individuals XXXX XXXX and XXXX XXXX XXXX for appropriate handling and the resolution and correction to this long on going huge mistake of using the wrong origination date XX/XX/XXXX as evidenced by the settlement company instead of the correct origination date of XX/XX/XXXX as the inclusion date criteria by WELLS FARGO HOME MORTGAGE.
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (FL)

Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (RI)

I 've been enrolled XXXX at XXXX ( XXXX, RI ) for the past few semesters and have been successfully able to defer my private student loans. Unfortunately, this semester a course that I am required to take was not offered at XXXX XXXX. I needed this course to apply to XXXX so I chose to take an online course through the University XXXX ( XXXX, XXXX ). Even though I was enrolled XXXX between these XXXX universities, I was told by my student loan servicer ( Navient ) that I was not eligible to defer my loans because I am taking classes at more than XXXX school. They told me that in order to defer, I would need XXXX school to report me as XXXX, which neither school was willing to do because that would technically be inaccurate information. I submitted documentation from each school verifying my enrollment but I was still denied the ability to defer. I am now behind on payments since I was unable to afford tuition and pay my loans at the same time.
Consumer complaint received 2024-01-26
Product: Credit reporting 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. (PA)

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first.
Consumer complaint received 2022-08-09
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. (PA)

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the XXXX  loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, XXXX, and Equifax. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc. (KY)

XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges.