davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXXXX. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. XXXX and EXPERIAN are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # XXXX
Consumer complaint received 2022-03-11
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. (VA)

XXXX XXXX XXXX is in violation of FCRA inaccurate reporting. XXXX had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted XXXX a total of 10 times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of 6 late payments my credit score has been impacted each time because of this I went from a XXXX credit score to a XXXX because of XXXX I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I HAVE DISPUTED WITH EQUIFAX ABOUT INQUIRES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE THEY STATED THAT THEY HAVE INVESTIGATED MY INQUIRES BUT I KNOW THEY HAVE NOT THEY WILL NOT SEND VALIDATION FOR THE INQUIRES I KNOW THAT THE INQUIRES DO NOT HAVE NUMBERS THAT ARE WORKING THE INQUIRES ARE AS FO LLOWS 1-  XXXX   XXXX ,   XXXX   XXXX   XXXX  -  XXXX     XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

I am writing today in regards to my account with SYNCB/AMAZON Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CO)

I see an entry on my credit report from Security Credit Services in regards to a Collection account past due from XXXX XXXX. I have never done business with XXXX nor have I done business with Security Credit Services. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in North Dakota. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call Security Credit Services and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXX to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (FL)

For months I have been receiving constant harassment calls from Convergent Outsoursing Inc. After months of missed calls, I changed my phone number because this is the number I use for work. Convergent Outsoursing Inc somehow found out about the new work number and continued the harassment, the constant calls at inconvenient times, they reported the alleged debt as collections to the credit reporting agencies to coerce me into payment, I sent them a Cease and Desist on XX/XX/2021 and they received it on XX/XX/2021, since then they still report this alleged debt/collection. 
I have requested them to stop collection attempts and they still abuse and violate my consumer rights.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On or around XX/XX/XXXX I received a call from XXXX at XXXX XXXX XXXX XXXX claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to XXXX XXXX XXXX XXXX. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at XXXX XXXX XXXX XXXX and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the XXXX XXXX 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.
Consumer complaint received 2017-07-14
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: Experian Information Solutions Inc. (TX)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  may b e entitled to under Sectio n 616 and Section 617 re garding your continued willful and negligent noncompliance. Despite my previou s 2 written  requests, the unverified items listed below still remain on my credit report in violation of  Federal Law. Yo u stated in your responses to m y 2  dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two wr itten requests is also evidence of your willful disregard o f Federal Law.   <P/> When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and t he Court will order you to delete them.   <P/> You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a )   ( 4 ).   <P/> I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violatio n of Federal Law and e vidence of your willful disregard of the law.  <P/> Please be advised that under Se ction 611 ( 5 ) ( A ) of the FCRA  you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.  <P/> The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if  you fail to comply w ith Federal Law. I am  a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.  <P/>  XXXX   XXXX   XXXX  UNVERFIED ACCOUNT/NO CONTRACT
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (IL)

I filed a bankruptcy, and my lawyer has tried to g et a hold of JPmorgan Chase to help me m odify the outrageous loan agreement for this student loan. I have faxed them twice, and they never showed up to court. I will default on this loan because my income is not enough to pay this loan, and it will give me bad credit. There is no way to get in contact with the original lender. I just have to keep going through  XXXX   XXXX   XXXX  the servicing partner who will not give me information to co ntact Chase  about the original student loan. I need to be able to speak to them so they can talk to my lawyer.
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

This company has been very deceiving. I received statements staying i was up to date with my loan for two to three month. Then i received a call stating that i have an agreement which i do not, and that i was behind. Then after the call i received a statement with a different amount. This is very confusing and deceiving and it 's damaging my credit, one month they report i am on time and not behind, then the next month they report foreclosure status all while i have been paying my monthly payments according to my statements. They need to make a forensic payments investigation with the underwriter department. In the state of MD they are required by law to send intent to foreclose and i never received such notice. I checked my credit and it was updated to foreclosure proceeding started on XX/XX/XXXX that 's how i know. They are illegally practicing collection efforts and taking advantage of the consumer.
Consumer complaint received 2017-07-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
<P/>
Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account.
<P/>
I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!!
<P/>
After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in  XXXX   of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations  for Carrington to remove this from my credit report. I can not get no one to do this for me.
Consumer complaint received 2018-02-01
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. (NV)

Experian responded to a dispute that was submitted but the information is not reporting to what they indicate is the time period. There is an account that they are reporting and it's been seven years from the first missed payment. I have attached their response along with what they are reporting to show it should not be reporting. There is a XXXX XXXX XXXX and a XXXX XXXX both are over 7 years and one is over 8 I need them to remove it like they are suppose to I have been fighting this for some time now and they continue to report aged accounts. The XXXX XXXX XXXX shows it started to be late in XX/XX/XXXX and then XXXX XXXX was actually charged off in XXXX so the payment would have been past due long before the charge off.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Ever since my accounts were transferred from  XXXX   XXXX  to Huntington my mortgage account and funds have been severely misused. I knew my payment would be due around the beginning of the month in  XXXX , about the same time that the transfer happened. On  XXXX  I called to be sure my mortgage account would still be paid automatically. the first person I spoke to said it 'might not ' be. The second person I spoke with said it 'should ' be. I spoke to several different people because I had not, and still have not, received any debit card or checking account statements and could not setup an online account. Later that night I was able to login to the online account and while picking around at it I noticed that all of the information including the amortization schedule showed that my next payment was due  XXXX  so it would seemed the automatic payment had indeed been made. However it also showed that my next payments were going to be going 100 % toward interest- every penny. I questioned this ( again on the evening of  XXXX  ). On  XXXX  I received a response stating they were looking into it. On  XXXX  I again reached out stating that I did not want to make further payments until this was corrected, and a few days later I received a call saying that they were still looking into it and had put a note on my account to not be charged any fees during that time. On  XXXX  I began receiving calls asking " when I was going to make my payment '', even though there was no actual 'payment due ' as can be seen in my statements. When I responded that I was waiting until the issue was cleared up they reassured me multiple times that it was. I made a payment in the usual amount ( payment plus some extra for principle ). Around  XXXX  I received a statement showing that not only was 100 % of my regular payment indeed applied to interest only, but my " payment due '' for  XXXX  was  DOUBLED! In  other words, they blatantly lied to get me to pay a payment that they completely mishandled and/or have switched my loan type to an interest only loan without any consent or notice whatsoever then DOUBLED my payment! It is beyond frustrating that larger companies can do this with no consequence, and I 'm sure I am not the on ly one they h ave done this to.
Consumer complaint received 2024-05-06
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: Bridgecrest Acceptance Corporation (NC)

On XX/XX/year>, I sent a certified letter to Bridgecrest Credit Company requesting copies of the authorized legal notices and proof of the commercially reasonable manner of the resale regarding a XXXX  vehicle that is being reported on my consumer report. The certified letter was delivered to the company on XX/XX/year>. According to North Carolina 's UCC G.S. 25-9-615 and G.S. 25-9-616, as well as State RISA and MVISA regulations, asserting a deficiency depends on providing all mandatory notifications on time and strictly adhering to permissible redemption and cure periods. The company has 14 days to provide me with the requested documents, which they did not. In my letter, I provided them with XXXX ( XXXX ) unique points of data with which to verify my account and provide the documents, those being my full name, account #, and VIN # for the vehicle in question. I am filing this complaint as I have not been provided with these documents.