davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX and XXXX XXXX acct # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

Saw on an Experian report an address for me that is wrong ... .never lived there ... never used it Called Experian and they said they couldn't fix it but would send a copy of my credit report. This came today, It still shows an address that is wrong. never used. 
The incorrect, never used address on the report is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, WI XXXX and has been for more than ten years.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (MI)

I opened a new checking account at Axos bank in XXXX, linked my old checking account with this new one at Axos on XX/XX/XXXX and then moved {$3800.00} from the old to the new on XX/XX/XXXX. 
When the money cleared on XX/XX/XXXX and I tried to make a transaction, Axos bank froze my account and asked me to provide a void check which proves that I own the old checking account from where the money came. I provided the void check on XX/XX/XXXX. 
Axos bank unfroze the account on XX/XX/XXXX! I tried to make another transaction the next day but Axos refused to process it and closed my account on XX/XX/XXXX, with no reason whatsoever given! 
The absolute worst part of all these is that they have refused to return my {$3800.00} to my old checking account. They want me to wait another 60 days before I can get my money back!
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

We purchased a home in XX/XX/2019 and took out a mortgage. On XX/XX/XXXX, we sold our previous home and received payment for it. On XX/XX/XXXX we tried to pay off our mortgage. Our original mortgage was through XXXX XXXX XXXX in XXXX, and they quickly transferred it to CMC Funding. We received a letter dated XX/XX/2019, telling us of the transfer and to send all payments after XX/XX/2019 to CMC Funding. I called CMC Funding on XX/XX/XXXX and each business day since then asking for a payoff so we would quit accruing interest. Im told each day that it hasnt been fully loaded into the system and to call back in a few days. This has been going on for a full three weeks with no satisfaction. I have been told conflicting information and have asked to talk to a supervisor several times. I am told no one is available ( even though they were able to ask their supervisor questions ) and Im told a supervisor will call back within 24 hours and I have never received a call back. One employee told me they had XXXX loans to upload and that they were all supposed to be uploaded by Friday XX/XX/XXXX. I believe they could accommodate this request but dont want to do it yet because they earn interest every day until it is paid off.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (NJ)

I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE XXXX XXXX {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO
Consumer complaint received 2019-10-29
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: Resurgent Capital Services L.P. (GA)

I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 
On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}. 

Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX   due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018. 
Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX  stating the status of this disputed account, was accurate and modified,
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (LA)

National Credit Adjusters has placed a collection account from an original creditor XXXX XXXX. I have no knowledge of any accounts with XXXX XXXX. I have disputed this several times. After reviewing one of  my credit reports the speedy cash account was opened XX/XX/XXXX with a balance of XXXX. National Credit Adjusters has posted this account as a new collection that was opened in XX/XX/XXXX. It is illegal for National credit adjusters to place an account that they can not prove is mine and re-age the account to reflect as a new collection. National Credit adjusters are using illegal and unfair collection practices.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

1. Tried to log on to website mysynchrony.com but was not able to get through due to account number not matched with username. Username was recovered through matching account number. Tried to reset password but was denied and was asked to recover password by asking security questions. 2. Password recovery was unsuccessful so called customer service. 3. Customer service could not match last four social security number with account number on file. I asked the representative what information was on file but she denied. I gave her my wife 's last four social security number as well and was still unsuccessful to get through. She also states that she was not able to reset my password without the correct social security number provided so she recommend that I send her a photo copy of my driver 's license and social security card to their office. 4. I told her to let me find out more information and will call back to arrange payment. 5. Two days later, a representative calls my boss looking for me to arrange a payment. So it was curious to me how they have my boss as a contact and not me on file. I spoke to a representative and they denied ever calling my boss. They said their was n't a phone number on file. I asked what information was on the profile because they have spoken to me and my wife within the past 3 days and was never asked to update our profile on their end yet they have access to contact my boss to arrange a payment. Never once did me or my wife, the account holder, was contacted by phone. 6. The representatives are confused over simple questions and can not answer any question. Only reply from them is " I am not able to release that information to you '' or when asked to speak to a manager they tell you " they can not help you ''. 7. I have had this account for almost 2 years and was never late all of sudden I can not access my profile online on their website. Can not speak to anyone on their end to reset my password or to get information on what is social security number is under my name. Yet they have the information to get a hold of my boss to ask him to arrange a payment. 8. I fear this company does not have the correct information under my name and my wife 's name. Also the person who has the social security number on my profile may report identity theft and we will be accountable because syncrony bank has the wrong social security number on file under my name and my wife 's name. I have paid off all the balance and closed it on XX/XX/2017. When asked by the manager over the phone as to why I wanted to close the account, I stated " you have poor customer service and you have the wrong information on file ''. I was given a reply that those were not an option I can give.
Consumer complaint received 2017-10-17
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: MISSION FINANCIAL SERVICES CORPORATION (TX)

I picked up a XXXX in XXXX Ga XXXX. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX 's for {XXXX} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe XXXX on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX 's XXXX and the trucking company they guided me to.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

# 1 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX   XXXX  ( XXXX XXXX XXXX ) Transaction date : XX/XX/2020 Transaction amount : {$110.00} Disputed amount : {$110.00} # 2 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Transaction date : XX/XX/2020 Transaction amount : {$1600.00} Disputed amount : {$1600.00} This dispute is about me making a purchase on my credit card USAA in two separate transactions and the merchant that I purchased the trip from cancelled and told me to apply for a refund. I did apply for a refund however the company did not give me the refund back. I filed a dispute with the credit agency and did not help me out with dispute on the account. XXXX not follow there dispute policy which states that if service is provided, customer has the right receive full refund. This impact my credit in a negative way by increasing my credit balance decreasing my credit score. I am currently refinancing my house in which is also effecting my financial as it relate to COVID-19.
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IL)

Told Sallie Mae I was having trouble making payments. I asked for a month of forebearance and I could continue payments as normal after that. I made a {$50.00} " good faith '' payment and they told me I could continue to make payments the following month. They did not grant me the forebearance and instead added a late fee to what I already owed. Basically told them I could n't make a payment, so they took {$50.00} from me and charged me anyways.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX  and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing!

There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!!

They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount.

I am at a loss of what to do! This is an incredibly dishonest company!!!
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (VA)

Credit Corp Solutions has called me EVERY DAY. I have a call from today at XXXX XXXX  from them, Thursday they called me at XXXX, they call me multiple times during the day, they call me at night when im at work. They've been doing this for two weeks. They call from different numbers each time they call me and im constantly blocking different numbers every day
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

I am in the process of determining if I can XXXX my XXXX. I have a friend who will likely need a XXXX XXXX very soon and he is on the list at XXXX XXXX XXXX, and as a potential XXXX I was asked to take a lot of tests. I took those tests through XXXX XXXX at the beginning of the year and I forwarded the bills I received to XXXX. 

Later this year I received a letter from Credit Collection Services saying I owed an additional {$350.00}. I called and asked for a bill that provided proof of the actual expense ( which XXXX requires in order to pay ) and they said that the original bill from XXXX had been sent to an address. They read that address to me and then acknowledged that that is NOT the address they had listed for me ( i.e. it was not my address, or any previous address ). Still, I was sent to collections for a bill that I never received and that they know I didn't receive, and I was told that I was expected to pay it sight unseen. I requested a copy of the bill and was told that they would mail it to me hard copy because while I could pay online, they could not send me documentation online. 

When I called two weeks later after still not receiving the bill in the mail, I was told that the bill was in the mail, but that they had reported me to the credit agencies. So, now my credit is being impacted over a bill that was never sent to me, that I can not verify or dispute because I never received it. I spoke with Credit Collection Services again and all they would say is that I could fix the issue by paying them immediately over the phone, despite them knowing that at no point have I had the documentation to verify the charge.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (OH)

I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (OR)

I check my credit scores frequently via XXXX XXXX and noticed a few days ago a significant drop on my XXXX score - +30 points drop. I filed a complaint with XXXX and quickly got a reply that the {$59.00} dollar amount with a Florida collections agency representing XXXX was erroneous and was supposed removed. 

I'm checking my scores now and the drop is still on my XXXX report. 

This erroneous " collection '' has damaged my credit for NO REASON. 

What recourse do I have? 

Current File File Number : XXXX Report Date : XX/XX/2020 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thanks! XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.