davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: North State Acceptance, LLC (FL)

Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Messerli & Kramer P.A. (TX)

i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL (FL)

{$20.00} cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank XXXX said I have to pay purchase balance to XXXX before any of the payment above minimum will be credited to cash balance.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (WI)

Jeffereson Capital Services LLC is coming after me for a overdue phone bill that shouldve fallen off my credit report. Theyre reporting the wrong dates and are still coming after me after the debt shouldve fallen off. The amount owed is around XXXX usd. This happened years ago. This old debt shouldnt be on my credit report!
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore LIJ Health System (NY)

XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number. 

Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have XXXX daughters that have checking accounts with my same bank. I opened up these accounts for them, so my wife and I were on their accounts. Back in XXXX 2015, my XXXX daughter put her account into the negative. The bank informed me that I was also liable for the negative balance. I thought that when my daughter turned XXXX, we would be taken off from the account as primaries. Considering the circumstances, I paid the negative balance and removed myself and my wife off of the account. Also, just in case I removed us from my XXXX daughter 's account. Now, we go to XXXX XXXX and I find out my XXXX went into the negative. The bank called me to inform me and apparently my wife and I never were removed from either XXXX of the XXXX daugther 's accounts. So, I have talked to XXXX different people from XXXX different departments and they all say there is no proof that I wanted to remove us from the accounts. So, I am liable to pay the negative balance once again.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

On XX/XX/XXXX, I was once again contacted by Sunrise Credit Services regarding a cable/internet bill of {$55.00} and some change. This was the 4th or 5th call from Sunrise Credit Services. As I explained previously, with several representatives, I do not owe this debt as my contract with that cable/internet company had ended and I no longer continued with their services. This cancellation was right at the end of my contract, in XX/XX/XXXX. This cable/internet company bills a month in advance, thus billing me for the month of XX/XX/XXXX, when contract ended. Apprantly it took them days to do whatever it is thats done behind the scene to cancel the account and thus this {$55.00} remained on the cancelled account. While speaking with Sunrise Credit Services, I explained this and also supplied them with my current and on-going bankruptcy case number, which in this last conversation ( 2 times ) with a lady of an Island decent, stated that this case number was already on file. To my suprise, they were still calling me (??? ). A clear violation of my Rights under the FDCPA... under the Federal laws of the Bankruptcy Courts. She continued to question and make " strong '' statements regarding the amount balacne. I repeated myself about my Rights, she said a few more words ; this will be placed on your credit report and hung up. I called back to express my concerns about the enitre conversation and again, was met with rudeness. I have had to block all numbers that they continued to call me from. I also sent an email to serveral of their emails addresses, addressing the issue in hopes of Sunrise Credit Services cease immediately of these harassing phone calls.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I noticed the debt on my report from XXXX XXXX it was for a medical bill the medical bill is not for me and the debt collect has failed to send a signed contact by me of any kind.
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In XX/XX/XXXX I pulled all 3 credit reports. I noticed XXXX XXXX XXXX on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to XXXX XXXX XXXX demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.
Consumer complaint received 2019-02-23
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: CMRE Financial Services, Inc. (CA)

I currently have a collection account on my credit report. XXXX XXXX XXXX XXXX were given the correct insurance information by hospital, yet they billed incorrectly and then sent to collections. I spoke to them multiple times and they dragged their feet billing correctly. When they finally billed it was denied for timely filing. I spoke to XXXX there many times. Per insurance company agreement they can not bill patient for their error. However they continue to keep on my credit report and will not remove it. Ive attempted to dispute with XXXX  yet it remains. The hospital was able to bill and get payment with no issues with the information given because they billed correctly. XXXX XXXX XXXX XXXX XXXX made the error and now they are damaging my credit report. 

Here is the following information on my credit. 

Account Name XXXX. XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Debt {$1300.00} Contact Information XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX, ( XXXX ) XXXX
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (PA)

I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.
Consumer complaint received 2023-03-22
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. (MO)

Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US DEPT OF EDXXXX XXXX XXXX. XXXX XXXX , XXXX . XX/XX/XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX. XXXX - XXXX. XXXX, XXXX has XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I asked SPS if they could provide me with the Note and Deed Holder and who this owner of my Note and Deed is on my property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. 

Instead they provided a DEED to a different property therefore, have NOT provided me with the requested documents on XX/XX/2023 CFPB claim # XXXX. I just received SPS 's response in the mail today and yet CFPB closed my case so I am having to submit again. Until I have actually received this requested information please DO NOT close my claim. 

I also would like all Assignments, Allonges, owner and holder of my Note and Deeds ' Ledger of accounting showing my alleged debt on their books, showing who paid what for my loan, when, where up to current calculations since the inception of this loan. 

To date, I have not received this information, let alone a Note and Deed pertaining to my property which I have given the loan number for. Instead I received documents on a completely different address/property! Yet, SPS claims they have provided sufficient information?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX XXXX XXXX  | ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Georgia Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action. However, I am fully prepared to take all necessary steps to ensure that my credit report is accurate and reflects my true financial standing.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BBVA FINANCIAL CORPORATION (FL)

I got a credit card from BBVA Compass and the limit was {$6000.00}. 
I filed a dispute about a transaction I didnt recognize and they put the credit back to my account. My card was stolen so they sent me another card when i checked my account they took the money back that they already credited before, and their respond was the system did it because I changed the card and they will continue with the dispute. 
I called again to check and one of the employees told me that they won't charge me any late fees and they will put the credit back within 48 hours, but that didn't happen and they charged me late fees twice. 
Then they decreased my limit from {$6000.00} to XXXX without informing me before they did it because I wasn't aware in that time about the late fees they charged me. 
Decreasing my limit affected my credit score and it went down 130+ points. And I'm now trying to move to a new apartment and getting a new car and I can't do that because of their fault. And when I called they told me they can't increase my limit and I have to apply again for me to increase it and no guarantee for acceptance, and it's my fault I didn't pay on time even I owe them nothing.
Consumer complaint received 2022-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

On XX/XX/2022 my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there.
Consumer complaint received 2024-02-24
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. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for Equifax to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.