davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (WI)

Our mortgage lender ( ServiceMac ), has fraudulently purchased hazard insurance in our name after receiving proof of prior home insurance already in place without lapse in coverage. ServiceMac first sent a letter in requesting proof of insurance in XXXX. In response our insurance company faxed our current policy on XX/XX/XXXX stating that we are in fact covered. Assumed this would be enough to assuage their complaints, it was not. ServiceMax claims our address was not accurate on our insurance policy. We have evidence stipulateing a change of fire number as early as XX/XX/XXXX as mandated as a county ordinance for XXXX County in Wisconsin. Address for property is the same as property address on our Tax Bill, and matches the address on our insurance policy. ServiceMac refused to update address and hence claims that we do not have insurance on our property and proceeded to purchase hazard insurance on our behalf from a subsidiary company that they own. The insurance company policy address they used and their own address are the same. We have sent multiple faxes of proof of address and policy and they have refused to update their records. Most recent attempts to finalize problems were XX/XX/XXXX. As of now, our account has been charged XXXX with insurance coverage taking effect on XX/XX/XXXX.
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (SC)

After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Consumer complaint received 2021-05-29
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: Experian Information Solutions Inc. (OH)

I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wi

fe ( custodial parent ) at that time. The medical billing department stated they billed me because I carried the insura
nce. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report.

As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, Experian and the collector. XXXX XXXX XXXX will not do anything about it after 2 appeals.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one sent me a notice that there was an issue with my card and I needed to call and speak to them at a number which they provided. They said I can call 24 hours a day seven days a week. I called the number and it was not seven days a week 24 hours a day it was only Monday through Friday at certain times. So the first time I called it was off hours and I wasnt able to get a call through. The next few times I called the wait was half an hour to 40 minutes and I didnt have time to wait. So I sent them a letter telling them that they misrepresent it the times for the phone number and I need it to efficiently deal with whatever the problem was. Rather than respond to my letter I sent they sent me a letter closing my account indicating I didn reply to their request that I call. them. Ignoring the fact that I sent them a letter. So they misrepresented to me how to get in touch with them and Because they dont have enough operators they close my account which hurts my credit and it seems unfair. I still dont know what the issue was. Please investigate and bring penalties and fines as appropriate.
Consumer complaint received 2022-11-16
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. (TX)

XXXX XXXX XXXX XXXX.a medical collection agency, and XXXX XXXX XXXX violated my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, Equifax and XXXX both refused.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

AFNI, Inc. 
XXXX. XXXX XXXX  To : The Office of Registered Agent for AFNI, Inc. 

From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, please forward to your ATTORNEY and LEGAL DEPARTMENT. 




By : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

As usual, Equifax has target me and incorrectly reported/verified information. 
My credit utilization ACCORDING TO THEM is 45 % and that is NOT true! 
My utilization is EXACTLY 2 % ON PURPOSE. Im as to which previously I kept at XXXX.
Consumer complaint received 2022-10-12
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: Omega RMS, LLC (MI)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I called Ally Financial ( XXXX ) on XX/XX/2021 at XXXXXXXX XXXX ( pacific standard time ), and spoke with XXXX XXXX and XXXX regarding a settlement offer. I was told that if I paid {$13000.00} by XX/XX/2021 The entire tradeline associated with Account XXXX : XXXX would be removed from all 3 credit bureaus. I was told my call was being recorded and would like record of the call. On XX/XX/2021 {$13000.00} was paid to Ally. Ally has confirmed receipt of the funds but is still reporting the account as opened with a balance. I was told on XX/XX/2021 that Ally will take up to 60 days to update this information which is very different from the information initially given to me on XX/XX/2021.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My mortgage was purchased by PennyMac. After buying my mortgage, they sent a letter threatening to buy force-placed homeowner 's insurance given that my coverage was not enough under the terms of my mortgage/deed of trust. They did not provide any evidence to support this claim - I met all requirements from my original lender and PennyMac bought my mortgage from that lender within a month of me receiving that loan. PennyMac is making it exceedingly difficult to talk to someone about this. They have no email where I can contact them, only a fax. The phone number they provide has a recording that makes it impossible to talk to someone.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and Experian several times and they assured me this reporting would cease during this time. I attempted to dispute with Experian as recently as XX/XX/2020 with Experian refusing to open the FCRA dispute. Experian is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.
Consumer complaint received 2018-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.
Consumer complaint received 2022-11-16
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, Experian & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (PA)

On several occasions ( at least 3 times over last 6 months ), I've called Marcus Bank by Goldman Sachs about receiving bank statements at my mailing address even though I'm setup for online / paperless delivery. They keep sending paper statements to my address but I'm not always home and there have been issues with my mail being access by external people. In fact, I know of one instance where my statement was opened by someone else ( PRIVACY EVENT ). I'm currently logged into my account and the delivery method is " Electronic '' but I'm still getting paper communication ( see attached screenshot ). They don't seem to care ... I've called so many times and even asked to pass my issue over to their Complaints team but no one calls me back and handles my situation. There is something wrong with their system. PLEASE HELP!
Consumer complaint received 2021-10-21
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 — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC (TX)

This is a formal complaint against Acima Credit located in XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Acima Credit has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I have tried on multiple occasions to use my card in stores and atms and it is being declined. I have tried to create an online account to access my card but it say it is locked and to contact customer service. I have tried to call the customer service for the past 3 days and have been unsuccessful in doing so. I have waited on the line for up to 2 hours several times just to be hung up on. There is no other point of contact to talk to someone in their customer service and I can not access my money. I dont know what to do.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

I made online payment to Macy 's on XX/XX/21 of {$200.00}. The amount was deducted on XX/XX/21 from my XXXX  XXXX XXXX checking account. The amount has not been applied to my account and the agent informed me that the amount is on authorization hold until XX/XX/XXXX. Why? It wasn't a check. it was an ACH payment. What reason could there be to place the amount on hold for 10 days?
Consumer complaint received 2021-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK US ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.
Consumer complaint received 2021-07-19
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX XXXX XXXX posted an unauthorized transaction to our Chase United Airline ( co-branded ) Visa card. XXXX XXXX XXXX had no authority to charge the account. The last authorized charge was in XX/XX/XXXX ( two years ago ) for {$29.00} ending a month to month contract for my son, XXXX, who is not an authorized user. I disputed the charge and it was resolved in my favor. 
On XXXX XXXX XXXX again charged the Visa card. There was no explanation, just a charge. I disputed the charge telling Chase XXXX XXXX XXXX has no authority to charge our account. I told them that the only way that they could have the credit card number is if someone went into our XXXX file and stole our account number. In this case, with no explanation, Chase simply told us we must pay the charge. I note that we have received a new physical card since XXXX and it is impossible for XXXX XXXX XXXX to have the CVV number. I demanded from Chase that they show the contract XXXX XXXX XXXX claims we have, and the credit card number with signature and CVV. Chase refused. I told Chase that when we contacted XXXX XXXX XXXX the local manager said that they have no record of any active account charges attributable to any authorized user and can offer no explanation as to why this appears on my bill. Chase has been entirely uncooperative in resolving this dispute and refuses to provide any information as to why the merchant believes this is an authorized charge. THIS VIOLATES OUR CREDIT CARD AGREEMENT RELATING TO PLAINLY UNAUTHORIZED CHARGES FOR SERVICES THAT WERE NEVER ASKED FOR, SIGNED FOR, OR PROVIDED. 

Please help clear this charge.
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with validation of debt letter.
Consumer complaint received 2020-06-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: 3rd Generation, Inc. (CA)

This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.