davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC (TX)

Allied Interstate has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (IL)

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (NE)

Discover Bank closed my savings account. Account number ending in XXXX on XX/XX/2022. After, I called Discover Bank to verify my identity. The Discover Bank banking specialist told me that my Discover bank savings account balance would be mailed by XX/XX/2022. On XX/XX/2022, I wrote a letter to Discover Bank & dispatched by Certificated Mail to mail a check for the balance. 
On XX/XX/2022, I mailed a letter by Certified Mail to XXXX XXXX, Vice President, Discover Bank Customer Service, asking that my check be mailed. 
On XX/XX/2022, I mailed a Priority Mail Letter to XXXX XXXX, President & Chief Executive Officer, asking that the balance in my Discover Bank Savings Account be sent to me. I still have not received the check for the balance in my Discover Bank Savings Account for {$3600.00}. 
I must have these funds by XXXX to pay my Property Taxes.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (VA)

I agreed to settle a debt to American Express via their counsel, XXXX XXXX XXXX. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ 20k. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad XXXX   resulting in a XXXX XXXX XXXX that they are trying to exploit an XXXX. 

Also, American Express wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing my Transunion credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IA)

XXXX ( comenity bank ) had an update to their system and they said that they would not charge late fees, or report to the credit bureaus. They charged me a late fee which caused me to go over the limit and they reported it to the credit bureau. They have not updated my credit bureau since XXXX of XXXX so it is showing that I'm over the credit limit .... I'm beyond done with comenity because they are just ruining my credit score!
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

For as long as places have been checking my credit, the past 10 years, experience has had difficulty reporting returning credit reports to people that request them from Experian. They say its because of my last name which is just one letter long. XXXX XXXX and another lender have most recently tried to get credit reports from them in XX/XX/XXXX and XX/XX/XXXX of this year to no avail. XXXX XXXX is not able to process my mortgage preapproval because Experian does not return a credit report. Experian has no automated phone service that I can dial into to get help on this, and there is no option to speak to a live person. The only option they give is to write actual mail which has no guarantees of receipt or processing. There is also no given response time. XXXX and XXXX both return reports.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.
Consumer complaint received 2021-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My payments were set up Bo-weekly I called and spoke to a representative that states because o was ahead in my mortgage I could stop them and start them back up in a month. I called and was told that wasnt possible and it was never offered. I stated look at my account and was told its nothing we can do. The customer representative should not lie to consumers., had I known I would not have stopped it. You cant slam people into Bimonthly or monthly! I have been lied to and dont appreciate the lack of knowledge. This does not help me
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AR)

I opened an XXXX  account to double check my credit report. There was an acct for a Jefferson Capital. I disputed it. XXXX IMMEDIATELY said they validated the account.

I then launched a full on dispute with all 3 credit companies. I can not produce anything BECAUSE I DONT OWE THEM ANYTHING. I HAVE ZERO IDEA WHERE THIS ORIGINATES FROM OR WHAT. Apparently, XXXX sold an old XXXX acct ( which I did not do not owe ) to this company. 

I want copies of anything and everything that proves I owe this bill. I want this matter closed out from my credit report immediately and I want XXXX to produce whatever documents they used to verify this account. 

Otherwise, Im prepared to sue them both over this! I've been doing what I'm supposed to be doing to clean and clear and for them to immediately say " oh, yeah, you owe this ... '' is absolute XXXX  XXXX. 

Thank you. Again, please ask that I get copies of all of the information someone has at their disposal to resolve this matter. 

Thank you. 

XXXX XXXX
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XX/XX/XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with XXXX all I got was a chnage of a late payment from XX/XX/XXXX to XX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over 650 reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Was denied a loan modification from bank of america for reasons that were false. The loan is an investor loan and bofa is just the servicer. The bank indicated that investor declined the loan, but the investor was never contacted because I spoke with the portfolio manager at XXXX the investor. I was again denied on appeal. Appointments were missed by bofa because they will contact me at a number that was not the best contact number. I gave the bank the best contact number but somehow the will chose to call a different number. Reasons for the modification was hardship due to a decrease in income and increase in the mortgage payment. Decrease in income caused by medical retirement. We just completed a 4 yr successful modification and we applied for a continuation because the hardship was still in effect and had gotten worse.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX, TransUnion, and XXXX have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX I was notified by email that my Chase checking account had a XXXX XXXX account linked to my debit card. I dont use XXXX XXXX so I immediately contacted Chase and reported the fraudulent activity. Chase immediately issued a new debit card and started a claim for the charges that were not authorized which totaled approximately {$750.00}. Before I received the physical replacement card, more fraudulent charges were made against my account totaling another approximately {$1500.00}. Chase was notified again of charges and they started more claims. On approximately XX/XX/XXXX, I tried using my new debit card and it was denied. I visited a local branch where we found out that Chase had closed my account with no notice. As of the date of the closure I had over {$26000.00} in the bank account. I asked Chase to keep {$2500.00} in the account and release the remaining funds which are rightfully mine until the claims could be settled. It is now over XXXX weeks later and they have not settled or released any funds to me. A bank should not be allowed to hold funds that are legally and rightfully mine. This is theft by keeping it from me. I need to know next steps to take action against Chase for stealing my money.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (NC)

Diversified Consultants ( Debt Collector ) keeps calling after they have been told to " Do Not Call Anymore '', but they continued to repeatedly calling my residence home telephone number and my cellphone number several times after being told to NOT CALL anymore. 
Here are some of the dates and times of the calls : XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XXXX XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX &XX/XX/XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OK)

XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for XXXX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.
Consumer complaint received 2018-02-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (WA)

my student loans were originally thru XXXX XXXX they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, navient, and federal student loan website. XXXX XXXX says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to XXXX XXXX, which they didn't accept for proof of pay off.
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 — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

The company Midland Credit Management is reporting to the credit bureaus that I have 4 accounts with them in which I don't. I do not have an obligation to pay this company anything because there was no notice sent to me from the original creditors saying that this account was sold. Furthermore, they are reporting duplicate accounts with the same account number, but different balances. How is this accurate? The only balance that I've had was with the original creditor XXXX XXXX  FOR {$660.00} and XXXXXXXX XXXX for {$1200.00}, so why are there 2 other accounts reporting? I am under the impression that my information was compromised being that I was involved in a data breach in XXXX which I will attach my claim to this complaint. If you can not prove that I owe the alleged debt, provide a copy of my id and ssc, original contract bearing my signature, license to collect debt in the state of Texas, and explanation as to why there are 2 accounts reporting for account number XXXX and 2 accounts reporting for account number XXXX then remove these account from my credit report immediately.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. 

I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. 

They need to produce me a copy or remove this account from my credit report and stop all collections.
Consumer complaint received 2018-06-06
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 — Their investigation did not fix an error on your report
Company: Capital Accounts, LLC (CA)

Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

We sold our house and closed XX/XX/2021. My title company confirmed payment was received and payoff was on file with my mortgage servicer, CMC Funding, on XX/XX/2021. 

However, CMC Funding continued to autodraft money out of by bank account on XX/XX/XXXX. 

When I contacted CMC Funding, they said it would be weeks before they'll refund me the money and they would not commit to returning the entire amount they removed from my bank account after my mortgage was paid off and closed.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (AZ)

On XX/XX/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.