davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (DE)

XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.
Consumer complaint received 2018-06-05
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. (GA)

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, XXXX  and Experian ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I seen a debt collection show up on my credit I immediately called to see what it was pertaining to. When I realized I owed the debt I paid it immediately {$550.00} To date I still have this on my credit report I have never received a paid in full letter and this is hurting my credit and stopping me from getting a car loan
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

I received a gift from the CEO of our company. This was a XXXX gift and the date I received it was XX/XX/2024. It was an XXXX gift card for {$500.00} I have been unable to spend this anywhere. It is always declined. The places I've tried to spend are online and require the card #, exp date and Cvv code. I have always included these in the transaction. 
The last time I tried was last night XX/XX/2024 at XXXX 
I have tried calling Amx and never get to talk to a person, just run around by autoattendent.
Consumer complaint received 2020-11-18
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. (CT)

I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Initially started forebearance back in XX/XX/XXXX then I requested to be cancelled shortly before the XXXX 's mortgage payment was due. I then made 6 months of consecutive payments until XX/XX/XXXX then restarted the foreberance plan. Fast forward to XX/XX/XXXX, roundpoint customer service rep stated i don't qualify for my full 18 months of foreberance because they counted the 6 months gap as part of the 18 months. Then I proceeded to escalate the issue to roudpoints " escalation team '' they have stated in an email saying I do qualify for the full 18 months. I have called in multiple times between the date XX/XX/XXXX until XX/XX/XXXX, roundpoint customer service stated on the phone the task is still pending.
Consumer complaint received 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.
Consumer complaint received 2020-11-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

On XX/XX/20 I sent an email to Flagstar with the following message. " Good morning. I'm reaching out as I was alerted that taxes were paid out a few days ago. On XX/XX/20 I sent in the Homestead Exemption form. I received confirmation it was received, talked with someone over the phone and told it was good to go, and even received an escrow surplus refund. Was this in error, or has something changed? I'm very confused by this. '' I did not receive a response, even after sending four more emails since then, yet I do receive confirmations that my email was received. My wife has since contacted Flagstar via XXXX, which honestly that experience was a waste of time, and almost as if we're speaking with a teenager. After many emails, and many XXXX messages, and longer than a month in waiting, we received not an email with an answer, but a voicemail with absolutely no information. We no longer have trust with Flagstar, and would like a response in writing. Flagstar has communicated with us in the past regarding property taxes and such, but for some reason there is now a refusal to do so. Most recently another concern popped up. We received two letters from Flagstar, one dated XX/XX/20 and one dated XX/XX/20, both were received on XX/XX/20. One came from TX and one from MI. Flagstar refused to explain why a letter dated XX/XX/20 did not arrive to our home until XX/XX/20, as there is no postmark on the letter. The letter dated XX/XX/20 stated we owed {$500.00} and some change and it needed to be paid by XX/XX/20, yet we received the letter on XX/XX/20. With us being in IL I do not see how it would take a letter ten days to get to me. It's clear the letter was not mailed on XX/XX/20.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Americas Car-Mart, Inc. (TX)

Car Mart XXXX XXXX  Texas violated several laws. Repo ( in house associate ) called after the fact to gloat and brag that the vehicle had been taken. Using vulgar language and aggressive behavior! Left me stranded in Oklahoma XXXX  miles away from my house, in a closed parking garage- did not tell the local authorities and proceed to call me 8 times before I picked up. This situation left me scared and fearful. Not knowing if the psycho was near by. Now I contacted the dealership and now know why that associate acted this way. All associates at this location need a good training lesson in customer service and type of laws that go with a Repo. Would not allow me to get my belongings except on their terms and are not willing to get the items when I was available to claim them. Claimed to press charges against me for making the building scared of phone calls tying to understand why they did this over {$94.00} and to get my property out of the car. Police officers called me and were cool and understanding and said I was a laid back guy with a clean record and that I can reach out for them to escort to the dealership and claim my stuff ... ... but car mart only said I can get it XX/XX/2021 @ XXXX XXXX  - I have sent an email saying I need to reschedule to a weekend and they will not work with me!! Breaking the law yet again wow!! 
Btw got a letter XX/XX/2021 saying I need to contact them to resolve the issue. This was sent XX/XX/2021 - they repoed the car XX/XX/2021 - wow gave me less than a day - but didnt even get the letter until the XXXX - no previous letter or communication has been done in regards to this matter. And i only owed XXXX or so. I have everything needed in regards to the mentioned statements above, phone numbers and documentation. Looking for my rights to be acknowledged and for car mart to apologize for the overall XXXX poor business ethics. Not wanting the car and would like to move on but ... ... .since they did break the law I must pursue and in the meantime contact every business bureau so other customers will not do business with them anymore!
Consumer complaint received 2021-10-13
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)

I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at XXXX.
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ALLY FINANCIAL INC. (AR)

I have a continued complaint against Ally Bank. I just sold my house and the attorneys, XXXX XXXX XXXX in XXXX, Arkansas, ( XXXX XXXX ) that tried to garnish my XXXX benefits back in XXXX. I found out XXXX XXXX put a lien of {$8400.00} dollars without notifying me when he tried to take my XXXX benefits in XXXX. Although there was nothing I could do at the time of the sale, XXXX XXXX drafted a bogus agreement that I had to sign under force majeure. They stole the amount when I had to sign the paperwork so I could sell the home to new buyers. On XX/XX/XXXX, Ally Bank hired more attorneys, XXXX XXXX XXXX XXXX XXXX, Kentucky to sue me twice for the same illegal activity that XXXX XXXX did to me. Please review the documents attached.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

NATIONAL CREDIT SYSTEMS INC This company has placed themselves on my credit report Ive written email and letters requesting verification and time barrier on this alleged debt. I have never heard of them their open date is XX/XX/XXXX but I have never had a loan with XXXX nor have I ever been contact or reached. Why are the credit company verify debt but when I request it Im not getting any information. 

Please have them remove this debt as I feel this creditor is lying about the debt and the what it is
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

This is in regards to PayPal who closed and then stole over {$40000.00} from my PayPal account under the email XXXX I have filed a complaint with the CFPB already and received a more or less automated reply from the company which I do not accept. 

This company stole over {$40000.00} from me and are claiming its due to damages they incurred by allegedly me violating their Acceptable Use Policy. 

I demand they share the damages they incurred that cost them $ XXXX+ because this is just shady wording in their User Agreement to seemingly give them the right to steal money from people. 

They claim I violated the AUP but I disagree with what they said. Furthermore, there are numerous websites that offer the same service I do and PayPal has not shut them down. this is not right and very sketchy.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

I called and requested the information they had regarding this account that appeared on my credit i haven't received anything back and its been a full month. 

My identity was compermised in XXXX and i filed a police report but i was just informed how to properly report these issues, i am currently going through all the steps to fix this long going issue. 

accounts that were opened : US dept of EDXXXX XX/XX/XXXX {$7400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$310.00} XXXX XXXX : XXXX XX/XX/XXXX {$680.00} US DOeXXXX XX/XX/XXXX {$4800.00}
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent shell point mortgage an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Consumer complaint received 2021-10-13
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. (MO)

I paid my lease off XX/XX/18 ... XXXX aka XXXX XXXX XXXXXXXX XXXX Spoke to XXXX the Mgr after I sent a receipt showing the account was paid in full, she said they are not responsible to remove the fraudulent balance and to call the 3 credit agencies and have them delete it. I made all payments on time and have the payoff letter..This should not be on my report they should remove this ... XXXX
Consumer complaint received 2020-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

My FICO score was at XXXX before I applied for a REFI loan on my home to reduce the interest rate. A little later, I paid off my Automobile loan of {$3800.00} and Experian dropped my score by 47 points. At that point they contacted me and offered to reinstate 30 of those points if I would sign up for their Experian Boost program. It appeared they intentionally dropped my score by a huge amount then tried to force me to sign up for their program. I did not and will not. That, to me, looks almost like extortion. I have a perfect credit report for many years and now have no debt at all other than a mortgage. For them to drop me from XXXX to XXXX is not within my grasp. That drop took me from Excellent to good. My scores with the other two companies is in still in the Excellent range. Is there anything that can be done? I have a chain of emails to support the fact that I have been trying to work with them but they are not willing.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CO)

I had a medical collection hit my credit from CCS. I called the collection company immediately and asked what it would take for a letter of deletion. The person I dealt with said that was impossible, and they had to report it to the credit bureau, so I settled it. I understand I made a mistake by thinking my lab work was covered by insurance. After doing research, this is a lie, and they could have helped. But for them to flat out lie and XXXX my credit up for 7 years is a terrible way of doing business, even for a collection company. Calls are recorded if you wanted to investigate the business. Many similar complaints like mine.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I have tried contacting the company to go over what they say I owe, because it looks to be incorrect based on documents that I can not get any one to answer the phone, so I leave a message and no one ever calls back. This has decreased my credit score and I have tried everything to contact the company of this issue.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 can not furnish a account without my written instructions.
Consumer complaint received 2021-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

We were solicited by mail for a personal loan up to $ XXXX, with fixed bi-weekly payments over XXXX months, at an UNCONSCIONABLE INTEREST RATE OF XXXX  %. IS THIS LEGAL? Also, its not clear whether or not its a secured loan, and if so, by what. 

We did not act on it, but I want to bring your attention to this. Please scrutinize/review/audit the company and its practices for all irregularities. 
Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Which is odd too - its a XXXX near the XXXX of XXXX XXXX, not a place associated with finance. 

'All that is necessary for evil to succeed is that good men do nothing. ' XXXX XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

I obtained a mortgage with XXXX XXXX on XX/XX/XXXX. Loan was sold on XX/XX/XXXX. I received a statement for payment of the loan from the new lender and made all my payments. Over a year later XXXX XXXX states I owe them a payment. They never sent a statement and the loan was transferred and paid in full. My loan origination amount matches the amount transferred to the new servicer. I do not owe XXXX XXXX any payments.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

For my Capital One account I am showing a late payment from XX/XX/2019. I reached out to Capital One before the payment was due and made an arrangement. The associate gaurntees that this will not show as a late payment and it has. I have attempted to dispute this with the credit bureaus multiple times and they will not update it. I have recently sent a letter to them asking that they remove it and they still refuse. Could you please assist?