davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (FL)

For years I have been trying to get my personal information corrected with this XXXX. I have sent serveral requests and notices to XXXX to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged. 

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations. 

XXXX  did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose
Consumer complaint received 2021-11-25
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: Experian Information Solutions Inc. (TX)

After reviewing my reports in XX/XX/2021, I noriced that I had a collection account. I then tried to request verification with no avail. It has now been more than 120 days and still have not received any verification.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (IN)

My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Executive Financial Consultants, Inc (KS)

Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. 

Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (IN)

This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.
Consumer complaint received 2019-02-24
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. (NY)

account XXXX XXXX XXXX XXXX  card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-03-29
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. (CA)

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 XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

1

5 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 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, XXXX XXXX is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, XXXX XXXX.
Consumer complaint received 2023-03-29
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. (OH)

I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX and XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (TX)

I received a Reduction Offer letter for a debt I do not owe on XXXX XXXX XXXX  They claim to be collecting on behalf of XXXX XXXX - XXXX XXXX in the original amount of {$390.00} but offering to accept {$270.00}. 

I have not used XXXX XXXX in over 15 years and never at the location listed on the debt. I did not leave a debt when I did leave. 

I see RGS has performed a credit inquiry on my credit report. I don't appreciate credit inquiries especially for a service or product I did not use.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ideal Collection Services, Inc. (FL)

Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

Hello, As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit. I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.
Consumer complaint received 2017-05-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MD)

I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (AE)

I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (GA)

Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

Credit Card Issuer, Citibank, on a VISA  / Coscto Credit Card, ( hereinafter, " Citibank Visa, '' ) utilizes deceptive, false and misleading information in their billing statements because Citibank VISA plainly and unambiguously states in their printed section, " When Your Payment Will be Credited '' that accompanies the cardholder 's monthly billing statement that " If we receive your payment in proper from ( * ) at our processing facility by XXXX local time there, it will be credited as of that day. '' However, in this instant case, Citibank Visa placed a ( XXXX ) day hold on the payment and " credit '' was not provided to the cardholder despite the written statement that payment would be " credited as of that day. '' Subsequent investigation and disclosure by several Citibank Visa supervisors " XXXX '' and " XXXX '' revealed that Citibank 's use of the word " credit '' did not mean that the funds were available to the cardholder and that Citibank reserved the right, in their discretion, to place up to ( 14 ) day hold on any payment it received. Citibank further argued that the Citibank Visa Credit Card Agreement Terms and Conditions states that such ( 14 ) day holds are disclosed to the cardholder. The essence of this complaint is that even if Citibank Visa reserves the right to place ( 14 ) day holds on payments received by the Cardholder, such ( 14 ) day hold should be fully disclosed in the Citibank monthly billing statement and Citibank 's current language indicating that the cardholder 's payment " will be credited as of that day, '' should be deleted as indicating the the payment " will be credited as of that day '' is false, misleading and deceptive to the cardholder.

As a cardholder, I discussed this complaint with Citibank Visa on ( 3 ) separate occasions with ( 5 ) different Citibank employees : ( " XXXX, '' XXXX, '' " XXXX, '' " XXXX, '' and " XXXX, '' including at least ( 2 ) supervisors ). Each Citibank Visa employee indicated that when Citibank Visa states that it has issued the cardholder a " credit, '' for payment received, such credit is conditional subject to Citibank Visa policies which are clearly not disclosed to the cardholder in the cardholder 's monthly statement ; furthermore, the failure by Citibank Visa to disclose that such " credit '' is actually conditional is false, deceptive and misleading to the cardholder.

Note : ( * ) Proper form is defined as the payment not being made in cash, properly addressed and such payment references the account number and other information.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

Absence of privacy of contract no contractual agreement exists between me and LVNV funding LLC rendering their claim to any debt utterly baseless. 
This fundamental legal principal makes the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being FCRA violations 607 ( a ) ( 1 ) and ( 2 ) consumer report agency obligations to maintain accurate and complete information 615 ( a ) ( 1 ) LVNV funding LLc obligation to refrain from finishing inaccurate information to credit reporting agencies 621 LVNV funding LLc potentially liability for significant damage and penalties resulting from non compliance with the FCRA Additional violations : 15 U.S.C. 1681i and 1681j : these provisions mandate that the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information ( FDCPA ) and ( RFDCPA ) this acts prohibits the sale or purchase of debt known or suspended to be illegitimate Federal laws 18 U.S.C. 1353 ( mailfraud ) may be applicable My Demands Immediate investigation Account removal Subscription compensation A written acknowledgment and guarantee and a formal written acknowledgment from Lvnv funding LLc