davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (FL)

First Credit Services reported a collection debt on my XXXX XXXX credit report on XXXX with original creditor of XXXX XXXX and recently updated on XXXX. However, First Credit Services has failed to notify of this account and effort to collect a debt. I was unable to dispute this directly with First Credit Services.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a CitiGold account with Citi Bank in conjunction with a promotion offer XXXX American airlines miles after {$1000.00} in debit card purchases and bill pays in consecutive months. I quickly met the requirements and called in to Citi bank several times to confirm that the promotion was noted on my account and that I had met the terms of the promotion. Every time I called in the customer service representative informed me that I had met the requirements and that I would be receiving the miles within 3 months of meeting the final requirement. They also informed me on XXXX XXXX through a secure message that the miles were in process are were due to arrive in my account within 30 days. Citi bank is now refusing to honor the terms of the promotion saying that I was not initially targeted for this promotional offer. This is a direct contradiction to the information I received from several customer service representatives stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. I believe that Citi bank knows that they owe me the miles and have been intentionally slow and unresponsive in their dispute resolution process. I began several investigations with them 2 months ago and the issue is still not resolved. As a whole the company has been very unhelpful and I think they are hoping that I just give up so that they dont have to pay the miles.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was attempting to get my free annual reports on line and there was a power failure. When I got back to my computer the PDFs were gone I could not recover them. I asked for access like you get when you pay 30 days, but was denied. I then asked to have them mailed and this is the response I got from Trans Union. No pay for it now. I think that is unfair. I tried to get them online and failed. Then I wrote them and filled out the mail request form and then they said no again.
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC (NC)

I have a family friend that I used as a cosigner/coborrower. 
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married. 
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!! 
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!
Consumer complaint received 2024-02-22
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. (GA)

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries.

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 2021-06-04
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. (MS)

My name is XXXX XXXX. I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a breach of my consumer rights.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SQUARETWO FINANCIAL CORPORATION (CA)

Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.
Consumer complaint received 2021-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hirshberg Acceptance Corporation (MI)

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the numerous written requests, the inaccurate account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to be removed : MODERN FINANCE CORP - XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MD)

I am writing to file a formal complaint against Harris & Harris , Ltd., for what I believe to be clear violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a supposed debt from me. My concerns are as follows : 1. Violation of Validation Notice Requirements : I received a communication dated XX/XX/year> from Harris & Harris , Ltd., regarding a debt related to a traffic violation. This notice failed to include the mandatory validation notice detailing the amount of the debt, the name of the creditor, and did not inform me of my rights to dispute the debt within a thirty-day period or to request verification of the debt 's validity. 

2. Failure to Include a Tear-Off Dispute Form : In contradiction to the FDCPA 's recent amendments, specifically under 12 C.F.R. 1006.34, the notice did not contain a tear-off dispute form. This form should provide pre-written prompts for disputing the debt and the option to request the name and address of the original creditor, which are critical for ensuring a consumer 's rights are upheld. 

3. Lack of Clarity in the Payment Stub : The payment stub included with Harris & Harris , Ltd. 's notice lacked the necessary clarity and information. This omission could easily mislead a consumer regarding their payment options and rights, directly contravening the FDCPA 's stipulations for clear and non-misleading communication. 

These issues have not only caused me undue stress and confusion but have also led me to question the legitimacy of the debt collection attempt itself. I am therefore requesting a thorough investigation into Harris & Harris , Ltd. 's practices to ensure they align with the FDCPA 's standards. 

Additionally, I seek the cessation of all collection attempts by Harris & Harris , Ltd. until such time as they can verify the debt in question adequately. Should this debt not be verified as per the legal requirements, I request its removal from my records and an official apology from the agency for the distress and inconvenience caused. 

I trust the CFPB will take my concerns seriously and look forward to your swift action in resolving this matter. Thank you for your time and consideration.
Consumer complaint received 2022-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I have sent several disputes in the past to have the account reported under XXXX Department XXXX removed from my credit reports due to being inaccurate. I contacted XXXX Department XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX Department Store, but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2015-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (IN)

Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling..
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (FL)

I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX I sent via Certified mail to JPCHASE Research Department/Archives/Proper Clarification Department XXXX XXXX XXXX XXXX Ohio XXXX - Requesting Documents of : Rearranges " said Amounts Owed for *Start up/Re-instatement of My Mortgage in the amount of {$14000.00} of which XXXX Paid, thru XXXX XXXX What JPCHASE " sent '' / " Billings for this Amount- I am Requesting Itemized amounts of {$14000.00} ( Which is on My Loan '' ) **ANY AND ALL DOCUMENTATIONS USED/PERTAINING TO EHLP BILLINGS FOR PAYMENT AND/ALL CORESPONDENCES TO/FROM XXXX XXXX AND HUD- FOR , I AM : DISPUTING THIS SAID AMOUNT '' ..AND TO THIS DATE I, HAVE NOT OBTAINED MY RECORDS ( AND AS STATED ABOVE SENT VIA CERTIFIED MAIL ON XX/XX/XXXX OVER 1 MONTH *AGO*. 

AND, I AM, ALSO-*DISPUTING* THE CHARGE OF {$19000.00} * XXXX ** in XXXX I was under a loan Modification and on trial payments : XX/XX/XXXX Amount- {$800.00} PAYMENT- plus All other Trial payments /Prior *where not applied correctly and/or Never Applied at All / these amounts " sat in ( unapplied balance ), and last " Principal Balance in XX/XX/XXXX was {$160000.00} And on XX/XX/XXXX Principal Balance JUMPED to {$180000.00} JPCHASE ADDED as- " loan maintenance fee '' of $ XXXX I Dispute- These Charges.. I - do Not have ANY Billings or Documentations of " Charges '' and " Credits are Not being Applied Correctly/and/or Not At ALL, and I am Not Receiving INFORMATION REQUESTED AS SUCH.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TRIAD FINANCIAL SERVICES, INC. (NY)

daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXXXXXX XXXX - I sold my XXXX XXXX for the payoff amount due. 

XXXX - Buy sent payment from XXXX XXXX to Hyundai Motor Finance ( via XXXX ). 

XXXX - HMF recd and processed payment ( according to XXXX XXXX ). 

XXXX thru XXXX - Title not released. 

XXXX - Called HMF ( Customer Assistance Team ) and was informed the payment had been misapplied to the wrong account. Was told it would be corrected and the Title released. Requested information to have my credit files corrected as negative information was being reported. Was told that once the payment had been properly applied, it would fix the erroneous information that had been sent to the credit bureaus. The negative information remains and needs to be erased/ updated ASAP ( as I am trying to purchase a house ). 

Late XXXX - Title recd by buyer. 

XXXX - My credit file still shows Balance = {$2900.00} and Delinquency = 60 Days Past Due and Foreclosure and Payment Status = 60 Days Past Due with latest credit file update being sometime in XX/XX/2023.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CHERRY TECHNOLOGIES INC. (KY)

XXXX stated there are charges showing with my ssn beginning 2023 with Cherry Technologies , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX With several balances totaling {$5200.00}. 

XXXX stated they confirmed with the company that it was me. I called the company ( Cherry Technologies , Inc. ) and verified the phone number was incorrect, the spelling of my name was incorrect and the email was not mine. 

With that being said ; the SSN I gave them was exactly my SSN. They made a ticket and it is now being processed and flagged. 

I feel I still want to continue with this due to I do not want this person to use my SSN to try and get another credit card or anything further.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

I have 2 collections for fraudulent accounts. The first is for the sum of {$2200.00} and the second for {$890.00}. 

1. COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Collection Amount {$2200.00} 2. 
COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/2022 Status Collection account. {$890.00} These accounts and transactions are fraudulent, not made by me.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I keep my reports locked. I have no issues unlocking my reports from XXXX  and XXXX. Hop online verify my information and boom done. With Equifax the past four times I've tried to unlock my reports I receive a message to 'give us a call. ' Every time I call them I sit on hold for an hour to verify my identity and they try to sell me their credit monitoring services. I should not have to waste an hour of my day listening to a sales pitch to have them unlock my report.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (NC)

CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (FL)

Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.
Consumer complaint received 2015-12-22
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (CA)

This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check " Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card, then I would have to pay a check-issue fee. Otherwise, I can use the card as a gift card ( as a non-T-Mobile wireless customer ) with various fees attached to the card.