davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMERICOLLECT INC
Consumer complaint received 2021-09-11
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. (NC)

I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (VA)

I received two notices for debt collection from Credit Control LLC dated XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On XX/XX/2019, I sent another letter by mail to address the second notice regarding a debt that I do not owe. To further ensure my documents are received, I have sent this disputes via fax today and will send again through mail, but this time, with XXXX signature confirmation. I am a disbursements veteran and I do not owe this debt and want the calls, letters and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

A collection account from Jefferson Capital Sys was placed on my XXXX credit report without proper notice in accordance with the Fair Credit Report Act. I have no knowledge of this debt and do not believe that it is mine. After disputing the account with XXXX it was added that it is related to XXXX XXXX. I had previously filed CFPB complaint XXXX related to the XXXX XXXX account on XX/XX/2020. I have not had an account with XXXX XXXX for over 3 years and the account had a {$0.00} at the time it was closed. The complaint was forwarded to the FTC. The result of the complaint was that the XXXX XXXX account was removed from my credit report. Now without proper notice or verification the account has been sold to Jefferson Capital Systems.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

purchased a XXXX XXXX XXXX XXXX in late XXXX of XXXX, payments were made for 6 plus months. I became a full-time caregiver, dropped from my career in order to supply adequate care. I contacted the lender and asked for the car to be picked up, voluntary repossession. XXXX of XXXX. I received letter from XXXX XXXX, that the taurus in question had been sold at auction, within two months of the repossession. 
Credit Acceptance is the lender and they have reported XXXX plus, owed, to this date. 
the car was purchased for XXXX and sold at auction for more than XXXX. Credit Acceptance has the same letter from the auction house, that was sent to XXXX XXXX and Myself. 
at this moment, more than the purchase price is and had been reported to all agencies. 
Being in the state of Texas, once the vehicle is sold, i am responsible for the remaining amount, not the full amount. I have explained this several times to said agency, XXXX. 
this co. will not adhere to the law. please help me resolve this matter. the loan is 6 years and 11 months out from inception, and I am being charged every month about {$100.00} dollars, which is keeping my credit scores low, despite the fact that i have no late pays. 

thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

I had a mortgage with XXXX XXXX that was subsequently sold to Caliber Loans. I was making my payment as scheduled to Caliber Loans when in XXXX I received a XXXX from XXXX XXXX stating that I owed taxes on XXXX! I was perplexed because after the sale XXXX XXXX did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to Caliber Loans without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by Caliber Loans. So apparently of the XXXX only XXXX was taxable. I contacted Caliber Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by XXXX XXXX? Was it being applied to my loan after the error had apparently been made? 

I was told by Caliber Loans to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! 

I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to Caliber Loans confirmations, and a copy of my check that was cashed by Caliber Loans.
Consumer complaint received 2019-11-10
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: AMERICAN EXPRESS COMPANY (VA)

We are still struggling from the after-effects of the financial crises from 2008, during which we were forced to declare bankruptcy. 

Currently we are working to renegotiate our debt through XXXX XXXX XXXX ( so that we don't have to declare bankruptcy ). 

We have an account with American Express ( XXXX ) that is enrolled in the debt relief program. I believe that AMEX is aware of the fact that we are actively working to renegotiate our debt through XXXX. AMEX has been calling us several times a day -- and we have been ignoring the calls as advised by XXXX. 

However, now AMEX is starting to harass our family. They have called my mom ( God only knows how they got her phone number ), my wife 's mom and dad, my wife 's brother -- both on land lines and on their cell phones
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

This problem has been escalating since XXXX XXXX. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (NY)

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.

Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I have reached out these companies I was XXXX  XXXX alot in my life and couldn't possibly have these accounts Please I have been through alot already and wanting to start a new account and need this off my credit please
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IL)

I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

The past 2-3 months, every single visit to a KeyBank branch has resulted in them being " unable to find my address '' on my account, even though I have my address listed on my account and it is visible in the app. This has happened 5-6 times, and on XX/XX/2023, a visit to a branch somehow necessitated me writing down my Social Security #. 

Upon calling customer support earlier today, I was told that they " didn't have anyone to solve the issue '' and to resolve it at my local branch, even though it happens at every branch. 

It is clear that KeyBank doesn't care about its customers, and I am switching elsewhere.
Consumer complaint received 2020-05-27
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXXXXXX   XXXX  {$380.00} XXXXXXXX   XXXX {$1100.00} XXXXXXXX   XXXX {$3500.00} XXXX XXXX {$220.00} XXXXXXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXXXXXXBANKRUPTCYDISSMISSED CHAPTERXXXXBANKRUPTCY DISSMISSED
Consumer complaint received 2019-08-09
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: SYNCHRONY FINANCIAL (GA)

Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with XXXX.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the Chase account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation but, I do not believe any of the the 3 credit reporting companies were provided the correct information by Chase with no evidence of the recording ( which Chase tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (NV)

US Bank closed my account unfairly over a year ago. There were unauthorized charges which they didn't allow me to dispute when I called over the phone. They said I need to verify my identity at a branch and I did, on multiple occasions. They still wouldn't let me dispute those charges even though I faxed my identity documents for verification. They closed the account with approximately $ XXXX negative balance. It's unfair and I demand immediate access to my account and the ability to dispute charges or I'll seek Justice via trial by jury as granted by the 7th amendment. It's unfair and frustrating and has caused me financial hardships and ruined my financial reputation as I'm unable to open checking accounts.
Consumer complaint received 2021-01-22
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. (MD)

A fraudulent installment loan was made in my name in XXXX, became delinquent and appeared on all 3 credit reports. I discovered it in XXXX. I filed a police report and provided the company that opened the fraudulent loan in my name by a fraudster with information confirming my identity. They removed it from the 3 reporting credit bureaus. However, it took 10 calls and multiple hours on hold with Experian to get it removed. Experian also removed my correct prior address and left the fraudulent address on my report. Once again, I have been given a run around to get this address removed. They also have a product called Identity Works that I enrolled in that did not allow me to log in consistently stating my credentials were incorrect. I had to call to reset and once again this took multiple tries. This company also makes it difficult to restore and file disputes compared to XXXX and XXXX 

Experian is NOT consumer friendly and is inferior to the other 2 credit reporting agencies. Their call center and processes need to change.