davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Harbor Front Acquisitions LLC (Closed) (CA)

Hello, Today XXXX XXXX representing Harbor Front Acquisitions, LLC contacted me and also called a relative of mine. XXXX XXXX left threatening messages on both of our voice mails and falsely claimed that he was calling in regards to a file assigned by the state. He also said that I had serious allegations against me. When I called XXXX XXXX back he explained that he was calling on behalf of XXXX XXXX XXXX and stated that they would pursue criminal charges against me if I did not cooperate. I explained to XXXX XXXX that I was unable to discuss this issue over the phone as I was at work and I requested that he send me information in writing. I also explained that I had no way to verify he was who he said he was. XXXX XXXX told me that the next documentation that I would receive would be in the form of a lawsuit. 

I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MN)

On  XXXX   XXXX ,  2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client  XXXX   XXXX  also known as   XXXX   and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number  XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on  XXXX   XXXX ,  2017 , stating quote " In response to  XXXX   XXXX  's complaint, ERC has no record of a   XXXX   XXXX   account matching his information ''. I have confirmed with the credit bureaus   XXXX    and  XXXX   XXXX  that Enhanced Recovery Corporation is reporting this alleged debt twice once under the  Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.
Consumer complaint received 2017-08-15
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. (TN)

I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
Consumer complaint received 2015-11-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlanticus Services Corporation (NY)

I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (GA)

In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Office of Child supportXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am trying to refinance my current home. I can not refinance until a lien on the property is released. The loan was for {$31000.00} on XX/XX/XXXX. This originated at XXXX XXXX, but they were bought out by XXXX XXXX. XXXX XXXX  has the information on file but is not releasing any information to us. The lien is paid, it was never released to the Recorded of Deeds Office. We need a satisfactory letter for the bank we are trying to refinance with. We started this process on XX/XX/XXXX. Ill include emails and screenshots of everything. Anyone we have talked to at XXXX XXXX gives us a general phone number or email, so we cant ever contact the same person again. We have been jumping through hoops trying to find certain individuals. They never return our phone calls, and we are on hold multiple times trying to find people.
Consumer complaint received 2016-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CA)

phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I got a car from credit Acceptance XXXX XXXX XXXX the interest rate was very high and after a few months it became to high to pay so now its on my credit stopping me from getting another car and its been like XXXX  years and its still showing on my credit
Consumer complaint received 2017-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

This collection agency calls me continually over and over from different phones numbers even block call numbers. They are looking for a person who I do not know. I have no idea who this XXXX person is or why she gave out my number. I have been repeatedly asking them not to call me since I do not know this person but every 5 to 10 minutes they call back asking for this XXXX person. This company XXXX XXXX will not stop harassing me.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Mortgage has been carrying my loan with a missed payment from XXXX XXXX. I did miss a payment, but I made the payment on XXXX/XXXX/XXXX when I realized a payment was missing. I had no knowledge because I was in bankruptcy. I called numerous times to inquire which payment was missed. Finally, after speaking to various customer service representatives, I was told it was the XXXX XXXX payment. I then submitted a letter with copies of all the cancelled checks with an explanation as to what month it covered. As you can see check # XXXX sent on XXXX/XXXX/XXXX was for the missed XXXX XXXX payment. I even wrote it on the check. Chase did n't apply the payment even thou they sent me a letter stating the payment was applied to XXXX XXXX payment. Please note that on XXXX XXXX, XXXX, I sent in a payment, check # XXXX, for the XXXX payment. Chase refuses to bring my account current and to reverse all late payment fees and to rectify my current standing with the credit bureaus. Also please note that Chase sent me an escrow refund check for {$400.00}. Chase informed me that I mailed in a payment of {$1700.00} which was the payment due in XXXX. In XXXX the payment was {$2100.00}. Now according to their letter dated XXXX XXXX, XXXX, they were unable to backdate my XXXX XXXX payment. If this is the case, ( and I do n't agree with this ) I should only owe them {$410.00} which is the difference between my XXXX XXXX payment of {$1700.00} and my XXXX/XXXX/XXXX payment of {$2100.00}. Yet they sent me back a refund check from escrow for {$400.00}. Chase continues to harass me for {$1900.00} which includes late fees for {$240.00}. How is it possible that I made the missing payment and I still owe them {$1900.00}. Their explanation clearly shows that they took my payment and diverted the funds to somewhere. I want Chase to be held accountable for my payment made in XXXX.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, XXXX est I was called by PayPal Smart connect Synchrony Bank in an attempt to collect a debt. The person said I was in collections for {$230.00} past due. I said no- thats not possible I am enrolled in a payment plan for {$140.00} a month. Its due XX/XX/XXXX. He then hung up and I called back, at XXXX am after logging in and verifying I was not behind. 

The next person told me when I entered into the payment plan I had an {$86.00} payment not paid so that collections would continue to call and remind me. I asked to speak to a supervisor- XXXX XXXX XXXX. She was extremely rude and obnoxious- telling me my last payment was made XX/XX/XXXX and I would be called because no payment had been made within 30 days and my payment due day is not XX/XX/XXXX as my bill states but 30 days after my last payment. I explained I pay over the {$140.00}, and make payments frequently throughout the month, but the minimum due is always paid before the due date. 
She continued to argue with me for the 31 minute phone call stating my due date is 30 days from my last payment, the account would be put into collections and I would be mailed correspondence and no longer called. I said this is harassment to keep calling me before my due date. She insisted I was {$580.00} behind even though that is not what my account is reporting.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (CA)

I provided the company with a copy of my credit report and advised that they have an account with an open date that is not accurate with all bureaus. I asked that they remove this information and I provided proof, and the bureau still confirmed as accurate. This is a violation of the FCRA.

This account is also being reported by 2 different companies. This is a violation. 

Account : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (FL)

House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kirschenbaum & Phillips P.C (NY)

In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (MD)

I signed up for a care credit card which was offered through my doctor office for the use of my visits. At first, they charged me {$2.00} for interest in the first 1-2 years and there after the interest spiked to an exorbitant amount. Below, are the excessive fees that are applied to this card. 

Interest charges are the following : XXXX/XXXX/XXXX {$790.00} XXXX/XXXX/XXXX {$340.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$63.00} Balance in XXXX XXXX ( prior to these large interest charges ) : {$2200.00} Current Balance as of XXXX XXXX : {$3000.00}
Consumer complaint received 2022-02-14
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. (TX)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

Re : Letter to Remove Inaccurate Credit Information : Equifax Information Services LLC has ignored my request and failed to investigate and to provide me with the results of the investigation. 
Requested an investigation on XXXX/XXXX/2016 To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.