davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
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: EQUIFAX, INC. (PA)

On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 )  ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

GLA Collection Agency, Inc.called me XX/XX/XXXX in attempt to collect a debt of {$150.00}. I asked for a written notice, as I had never received any original bills, either from the original creditor ( an outsourced anesthesia company ) or from GLA. As it turns out, they did not have my address correct. The representative with GLA was very rude to me, stating that it was my fault the address was wrong, which simply isn't true. ( When I checked in at the hospital, the registrar looked at my drivers license and typed in the address, so if there were any errors made, I didn't make them. ) The GLA representative also attempted to force me to pay immediately over the phone by stating that this would decrease my credit score. I told her I didn't feel comfortable paying until I knew what I was paying, again requesting written information. GLA mailed a written notice dated XX/XX/XXXX to the correct address, which I received about a week later. I then requested more information in writing to dispute the debt. The letter was dated XX/XX/XXXX and postmarked either XX/XX/XXXX or XX/XX/XXXX, within the 30-day time frame stated in their letter. In the meantime, I called the hospital billing department, who referred me to their outsourced XXXX  billing. Both of those companies stated that I did not now nor ever owe a debt to them for {$150.00} on the date of service in question. I also spoke to the XXXX  department at the hospital, and they did not show any debts either. The collection account showed up on my credit report. I disputed this through XXXX, as I hadn't received enough information to make an informed payment decision yet. XXXX  reported on XX/XX/XXXX that the collection account was deleted from my credit report. GLA called again XX/XX/XXXX. I asked the representative to stop calling because the collection account had been deleted from my credit report. She stated that they would continue to put it on my credit report every month until it was paid. When I asked why XXXX  would delete it if the debt was valid, she did not provide an answer. I asked about the status of my request for more information. She stated that they received my letter but that they did not have to respond because I was outside the 30-day window. I recalled the dates ( XXXX ) and noted that they were indeed inside a 30-day window. The representative then stated that the 30 days started in XXXX when they first mailed a written notice ( to the incorrect address ), despite what their letter dated XX/XX/XXXX said. I told the representative that I also contacted the hospital, department, and billing company, and was told I did not have said debt. She again did not respond with any useful information. 

If I had known I had a bill to begin with ( again, not my fault ), it  never would have gone to collections. I don't mind paying a bill when I know it's legitimate. GLA hasn't been able to provide me with any indication that this isn't a total scam.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been trying to get clarification about how many qualifying payments I have made toward my 120 payment goal with XXXX XXXX. They last told me I had made -- 3 -- payments that qualify!!! I have made well over -- 30 -- payments and they are not accepting most of them and saying that I was not in a " qualifying loan '' which is HORSERADISH. They simply do not want borrowers to ever repay their loans.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NE)

I refinanced my home with Cardinal Financial in XX/XX/2019 they withheld 9 months of my loan Proceeds in escrow for Homeowners Insurance. They were billed b y my Insurance Company XXXX on XX/XX/2019. As of today 's date XX/XX/2019 they have failed to pay the premium and my policy is due to be canceled. In doing research Online they have many complaints about this practice of not paying taxes and Insurance and peoples escrow funds disappearing.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a loan with XXXX XXXX. On XX/XX/2022, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a one-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from XXXX XXXX  notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. XXXX XXXX  refused to charge my card ( s ) the day I updated my payment information. As a result, there were two missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that XXXX XXXX  intentionally did not take out the amounts I owed in XX/XX/2022 and XX/XX/2022 and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on XXXX XXXX  's part but will not correct the issue. It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

Ive filed complaints with the Consumer Protection Finance Bureau and saw other consumers who were in a similar situation who had this issue resolved. XXXX XXXX is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a banking account to take out automatic payments for a loan. This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. XXXX XXXX  intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. I've asked numerous times for the terms and conditions that shows that a payment will not be processed as soon as a customer updates their payment information. My request continues to be ignored. 

Please see email attached that shows the lack of clarity for when a payment will be made once a consumer updates their payment information.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (TX)

In accodance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (AZ)

Avant quoted me a payoff and I sent that amount thinking the loan was paid off. Over a year later I learned that the account was not paid off because they quoted my the wrong amount. Once I found out, I called them and requested an explanation. I was sent to a resolution department who never responded to my request. Later I tried again was told that I should have known to make another payment after I sent the payoff. I do n't know why I would be expected to know this information. When you request a " payoff '', the amount quoted should be the amount to pay and close the account. Their unethical business practice has now led to over {$500.00} in additional interest. I do n't feel I should have to pay this as I did nothing wrong.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

My mortgage company is trying to increase my payment because they THINK there MIGHT be a shortage in my escrow account They wrote " This shortage likely was caused by changes in your taxes and / or insurance '' I don't think i should pay more because they think something might increase and they don't even know what it is it is only " likely '' If anything legitimate in the escrow increases and a document is produced by the company increasing something i will have no trouble to pay that but i am very reluctant to pay on a HUNCH the something MIGHT increase
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (SC)

Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC
Consumer complaint received 2021-09-14
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. (PA)

XXXX, Experian and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I  feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021 I paid Capital One {$290.00} on my credit card bill. This was my error, I should have paid {$960.00}. This left a balance of {$670.00}. 

I was assessed interest of {$28.00} which I paid on the following month on XX/XX/2021 along with my balance of {$2400.00} and before the due date. 

However I was assessed a ADDITIONAL interest of a {$24.00}. Thats a total of {$54.00} for the one month short payment of {$670.00}. This is a interest rate of OVER 96 %. 

Their published interest rate is 17.9 % annual rate. 17.9 % of {$670.00} is {$120.00} or {$10.00} per month. 

My charge of {$54.00} amounted to a overcharge of {$43.00}. ( Note : Even though with creative book keeping they were somehow able to charge interest for 2 months it would have only been {$20.00} at the 17.9 % annual rate. ) My complaint to them resulted in a written denial.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Round point sold my mortgage to XXXX XXXX XXXX in the fall. Round point sent the wrong amount for taxes due to XXXX XXXX pa tax office. The money left my escrow on XX/XX/XXXX XXXX the check was returned to round point because the XXXX  XXXX tax office does not accept checks that are the wrong amount.. Unfortunately no one told me this and I was never given the XXXX back that they took out of escrow. So now my taxes are late. No one can find my missing escrow. None of this is my fault.
Consumer complaint received 2018-07-11
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. (WA)

Experian is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (FL)

Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!
Consumer complaint received 2020-11-16
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. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I have sent this company a debt validation letter and have received no response in reference to this account. 

I also never received any notice of my rights to dispute, and they are reporting inconsistent/incorrect/unvalidated information on the account across two credit bureaus.