davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, XXXX and Experian received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Seterus received my real estate taxes, check # XXXX dated XX/XX/2016 for {$1900.00}. The check cleared my bank account on XX/XX/XXXX. Seterus now claims this bill was never paid.
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I have written you twice. Chase finds ways out of re fi because I will be paying more in XXXX. the latest trick is " send us military XXXX letters after XX/XX/2006. I mean really. I am almost XXXX years old, was XXXX during the XXXX war, had XXXX, and have always paid on time. I got into this loan with XXXX and I did not know they sold me a non XXXX or XXXX loan. Now I am paying. I mean really, XXXX at XXXX years old? The Army never does that.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (WA)

I have been unable to view my TD Bank credit card in the app since this card account was purchased from XXXX Bank years ago. 

I called TD Bank customer service and spoke to XXXX. She was unable to assist and said she had to transfer me. I asked follow-up questions as to why I had to be transferred. 

I told her to " hold on '' while I was taking notes of her telling me why she was unable to assist. 

Before I had consented she transfered the call away. 

Terrible customer service when I asked her to please hold on. 

The original issue was never resolved and I still can not view my TD Bank credit card in the TD app
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

The information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian did not require XXXX to provide any proof that XXXX notified me the consumer about a debt they claim I owed. I complained to Experian that I had no knowledge of the debt. I had knowledge of the account but no knowledge of the amount owed on the account due to I was not informed of the debt.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (MI)

I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I was a victim of an internet scam involving my credit cards. This took place in XXXX2019 to XXXX, 2019. I was told to buy XXXX gift cards from XXXX and XXXX and they would pay off the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, XXXX and citi credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Consumer complaint received 2020-04-21
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} COLLECTION SVC XXXX {XXXX} XXXX  XXXX {$XXXX} COLLECTIONS XXXX {$XXXX}
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Experian has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX - the month that the defaulted loans were paid. I disputed these in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX, and again in XX/XX/XXXX. Experian has refused to investigate this with due diligence, otherwise they would have discovered these errors. Experian also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.
Consumer complaint received 2022-01-05
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to XXXX  to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses XXXX XXXX, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve midland credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. ()

I have contacted Navient trying to lower my payment for my student XXXX student loans. I have suggested a payment of XXXX dollar monthly because at this time that is all I can afford. Navient then proceeded to tell me that they declined the request because not only do they not accept international schooling but they also wo n't because I have run short of deferment time. I am really trying to settle this loan because I am about to graduate in a year. They then proceeded to threaten me with sending my account to collection as well as sueing my grandmothers and putting a lien on their homes. I feel that the way that they are responding to me and not willing to assist me is byfar not the proper business ethic and value that American business culture embodies.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Consumer complaint received 2017-04-06
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (LA)

11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: FACTUAL DATA CORP. (CT)

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Consumer complaint received 2017-04-03
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (NY)

Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TN)

My name is  XXXX   XXXX   XXXX   XXXX  . I live   XXXX   XXXX   XXXX   in  XXXX , TN  XXXX . I have a address on my credit report :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , that I requested be removed in   XXXX  . I have never lived at this address. Please email me at  XXXX  with any updates.