davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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: Comerica (MI)

I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (NJ)

I received a collections letter in the mail from ACI ( American Coradius International LLC XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

ACI sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( XXXX ) and told them as such.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (HI)

On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (OH)

I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.
Consumer complaint received 2015-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

Navient ( former XXXX XXXX ). Is threatening and ruining my credit score because they are a backwards company. XX/XX/2014 I had made a payment of {$930.00} to make my account up to date. XXXX days later I made another payment for XXXX of the accounts for {$170.00}. Navient is claiming that I still have not paid the XX/XX/XXXX payments and other payments throughout the year. They have sent numerous credit reports stating I 'm this far behind when I'am not. I sent Navient a printed payment history from their website and highlighted each loan payment in a different color for each loan stating when it was paid and the amount. They are still threatening that this is behind calling family members who are not immediate asking for my co-signers. Im trying to resolve this situation and pay my loans but it is impossible to work with this company and they are affecting my future.
Consumer complaint received 2017-05-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc. (NY)

On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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 attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$640.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00}
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I have a XXXX credit card on my credit report for the amount of XXXX that was opened in XX/XX/2012. I have never had a XXXX Card/ I have recently tried to obtain credit and was made aware this is debt that owed by me. I disputed all three bureaus and I am showing the card listed on my report as XXXX XXXX charged off and XXXX XXXX both collecting on the same amount. Both are trying to collect a debt that I never applied for. This account is showing as being had payments, but I have NEVER made a payment on this card or ever done business with either. I called and asked about the address and the address given was a XXXX, NC, which is not my address or have I ever lived at that address. I disputed with all three bureaus XXXX, XXXX, and XXXX, and they have it listed as verified. This is fraud, and I would like an investigation to take place.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX  told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

Ocwen is not a trusted company. 
I have heard about wrongful business against home owner in all United States. 
Unfortunately, I 'm another victims on their hands. 
Unless you 're rich, and have money to sue them, so they will learn the lesson in Connecticut State too. 
Below is list of my complaint:1 ) On my XXXX/XXXX/2015 Statement advised me of payment amount from {$620.00} to {$670.00} ( {$42.00} increase ) and said the further detail regarding the reason as going to be included in the separated letter ; 2 ) It is noted that on the same statement on XXXX/XXXX/2015 Ocwen received a {$5000.00} payment:3 ) On my XXXX/XXXX/2015 Statement advised the same ; 4 ) On my statements XXXX/XXXX/2015, and XXXX/XXXX/2015 they increased already to {$670.00} with no previous justification why. 
5 ) On XXXX/XXXX/2015 I accepted the offer for re-cast and sent the paper offer ; 6 ) As for now, they refuse to re-cast, they lost the previous acceptance, they opened and investigation, and they refuse to give credit for that the same they received the {$5000.00} that 's on XX/XX/XXXX. 
XXXX ) Ocwen is charging too much for escrow {$400.00}, a year is {$4800.00} ( {$400.00} x XXXX = {$4800.00} ) a price for a single family home, I have a town house, and the yearly taxes is not more than {$2500.00} ; 8 ) Ocwen plans to raise the escrow ; 9 ) On my XXXX/XXXX/2015, Ocwen raised already the escrow to {$440.00} a month that 's {$5300.00}, double of XXXX, CT required taxes ; 10 ) Also Ocwen is trying to receive a fee of {$490.00}, that has no sense and is not listed on their charge list.
Consumer complaint received 2015-05-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc. (TX)

XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2016-09-23
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. 

When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

LexisNexis violated this consumers rights for privacy 15USC1681 ( a ) ( 4 ). Permissible purpose violation because personal information was provided without this consumers written instruction 15USC1681b ( a ) ( 2 ). I exercise my right to privacy and opt out of personal information being shared without written instruction. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). LexisNexis assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

LexisNexis did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed LexisNexis to furnish any reports and I never consented to reports being provided.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (CA)

exerian dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with XXXXXXXX XXXX investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TN)

I cancelled my service with XXXX in XXXX. They responded that they received my request. I then received a message from someone from their customer service that I need to call them with my PIN number in order to cancel. I don't know anything about a PIN and I let the customer service person know that I have already ported my number to a different company and they are to cancel my account immediately. They keep refusing to do so. I have on multiple occasions contacted American Express to let them know to reverse any charges since XXXX and to not allow XXXX to charge my credit card ever again. They said they would do it, but then they re-charge my card because they say the merchant told them I never provided the PIN to cancel the account and then they also keep allowing new charges. I just completed a dispute with them again today, but they seem reluctant to say they will no longer allow charges from this merchant. I am commission only at my job and I don't have time to spend trying to resolve this issue over and over again. If someone could help me get it resolved, I would sure appreciate it.
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc. (TX)

This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.