davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XX/XX/XXXX, I got an alert from my credit report that I had received a 30 day late on my XXXX account. I called XXXX immediately and they told me that I would need to dispute it with the credit bureaus as they did not report a 30 day late. I immediately did an online dispute to all the credit bureaus and they all came back a couple days later saying XXXX said the 30 day late was accurate. 
I decided to do another dispute via certified mail and also sent a copy of my payment activity. XXXX removed the late as I show proof I was never 30 days late but Experian did not. I got my results today from Experian and decided to call them and ask they why it wasn't removed when i sent you proof of me paying every month. They told me they did not get my proof but they did get the dispute letter ( although both were in the same envelope ). 
I then called XXXX again today ( XX/XX/XXXX ) and they told me there is no 30 day late and that I needed to dispute it again with the credit bureaus. I have never been 30 days late with XXXX. All of my payments come directly from my checking account every month automatically, unless i make a extra payment.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XXXX 2015, we applied for an auto loan with USAA ... which was immediately approved. Intent was to be pre-approved before looking for a new car. USAA gave us XXXX days to execute the loan, offer ending on XXXX XXXX 2015. Two weeks later, on XXXX XXXX 2015, we found and purchased a vehicle using the USAA pre-approval check provided. The following week on XXXX XXXX 2015, USAA sent us an addendum to the loan documents showing the loan start date of XXXX XXXX 2015 ... the original pre-approval date, not the actual purchase date of XXXX XXXX 2015. We contacted USAA and spoke to a Customer Service Representative ( CSR ), who researched the sale and spoke to a supervisor. The CSR informed us that though the Loan date would be shown as XXXX XXXX, interest would not start until the sale date of XXXX XXXX 2015. We then sent a written request via email requesting that this information be provided in writing. We received a email reply the following day XXXX XXXX 2015, from XXXX XXXX at USAA. She stated that the information provided was incorrect, and that we were in fact being charged interest on the auto loan effective the approval date of XXXX XXXX 2015. 
We requested that USAA review the legality of this practice, and answer we received was that this is the way we always do it. We realize that this is a minimal financial issue per loan. By my calculation, it cost us approximately {$25.00} in this transaction. However, if this is a legal and allowed practice, then this is being done to a lot of unsuspecting consumers. In searching the loan documents, there is no disclosure indicating that this is a condition. I ca n't imagine having been charged interest on my mortgage approval pending the completion of the house, nor being charged interest on my credit cards based on the limit instead of the balance. So, is this legal? To start charging interest on a loan as soon as it is approved, not when it 's actually used?
Consumer complaint received 2022-09-05
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: CCS Financial Services, Inc. (NY)

In accordance with the Fair Credit Reporting Act CCS collections, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1691 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not make treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has marked my account XXXX XXXX for 2 late payments one in XXXX and one in XXXX. However, payments were made to the creditor as well as a financial hardship statement due to Covid-19. According to the FCRA, late payments can not be reported during a disaster in this case Covid-19. I am in the process of obtaining the XXXX loan as my business was affected by Covid-19 however the 2 inaccurate late payments reported on my consumer report has brought my credit score below the minimum score set my the XXXX. This will have a dramatic impact on my loan approval. Because the late payments on my consumer report is inaccurate unverified, I request that they be removed from my consumer report immediately!
Consumer complaint received 2017-03-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sessoms & Rogers, P.A. (NC)

my credit with XXXX actt # XXXX was turned over to sessoms and rogers XXXX XXXX XXXX, NC XXXX i agreed in writing to pay XXXX $ a month for 9 years or XXXX months and was happy about that. all payments are due on the XXXX day of each month, XXXX payment already made, cleared the bank XXXX WEEKS before it was due. next payment is not due till XXXX, per acct # XXXX ok XXXX payment per agreed to in writing has been made. on wednesday XXXX 2017 i giot a phone call about, i couldnt tell you, today XXXX 2017 i get a letter that said-we heard you have an XXXX representing you. I DONT. i agreed to make the XXXX $ payments buy the XXXX of every month but they just dont get it. lets re-cap- i have no XXXX and just want to make my XXXX $ a month payments and NOT GET MORE CALLS AND LETTERS FROM SESSOMS AND ROGERS, OK? end of story. tell these very unethical law firm nuts that XXXX check # XXXX has cleared the bank for my 1st payment and will do so every month or ill file a harrasment claim. they stop bugging me ill make the payments in peace and harmony. can you the fcpb help me in this matter, thanks.
Consumer complaint received 2015-05-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had purchased a XXXX XXXX protection plan effective date XXXX/XXXX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX.wich would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.
Consumer complaint received 2016-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (OH)

They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Mel S. Harris and Associates, LLC (NY)

Last year of XXXX - i got a letter from my bank XXXX XXXX XXXX. They said that a debt collection agency who is called XXXX law firm. XXXX said they can not allow the garnish because I receive Social Security XXXX. In the packet I got. I had to fill out my situation and mail it in. I thought and my bank said. you, wont be contacted again, and do n't be nervous or have your issues flare up. 

This year of XXXX XXXX i get a call from a lady named XXXX XXXX she wont give her last name. She said when am I gon na pay this debt i owe. I asked her can you send me proof I owe you money. she said, she sent it, and I dont have to give it to you again. she said once i get a lawsuit and default judgement on you. I can keep calling all I want, in attempt to collect the debt. Her Company XXXX - again tried to freeze/garnish my account. 

Again I called and got the same lady XXXX. She knew my voice and said are you ready to pay up. I said I would like to know the server that issued me a court hearing. As I never got XXXX at all. she told me i dont have to, and your credit reports will damaged for 20 years until said debt is paid off. when i asked her can yyou send me the verification of the debt. She hung up. 

besides the original frozen/cease of my accounts in XX/XX/XXXX no letters. I checked my local court and yes they got a default judgement on me. From some company called XXXX XXXX XXXX. since XXXX. it wil be a treck to get there. but i will try it some how.
Consumer complaint received 2024-01-25
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. (NC)

While reviewing my XXXX and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to XXXX  XXXX and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX Bank XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX ) Capital XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Bank - opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  Bank XXXX opened XX/XX/XXXX
Consumer complaint received 2022-09-05
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. (FL)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Michael Haynes & Associates, LLC (FL)

XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.
Consumer complaint received 2016-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (LA)

This is my second complaint. My original complaint # XXXX was responded to inaccurately. Briefly, Resurgent Capital claims they are collecting a debt on behalf of LVNV Funding for the original creditor XXXX.They claim the debt is valid as there is and have been an unpaid balance. 

In consideration of Resurgent '' s response dated XX/XX/2016 to the original file # XXXX, in paragraph XXXX they agree they received monies on behalf of their " third party servicers '', but now claim they returned payments to me as they were unable to honor the terms in my restrictively endorsed letter. So, if what they claim is true regarding returned payments, I requested they provide proof. Forward a copy of the returned/endorsed payments made to me. They have failed to do so.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Payed everything in a timely manner until the variable loan went double the amount. 
I tried numerous times to work a program with Ocwen and they refused and now they want to foreclosed on my home with the trustee XXXX XXXX XXXX scheduled for XX/XX/2015. Till this date Ocwen has not attempted to work out a program.
Consumer complaint received 2022-09-05
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)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}