davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Lease of a XXXX XXXX. 
Ally Bill in XXXX had the followng : Miscellaneous fee of {$760.00}, no explanation. 
Dealership Responded : Thanks for sending that over. I just got off the phone with Ally. The correct documentation is in your account, so they are investigating exactly what happened. 
The property tax charge of XXXX does seem to be in error. 
Dealership Response : I wanted to let you know that Ally has made the correction on your account. The balance for property tax has been reduced to {$150.00}. 
Payment of property tax does not reflect on your credit. If you decided to not pay the property tax during the lease, Ally will simply collect at the end of your lease for the three years combined. 
I do apologize for the amount of time that it took to get this resolved. It had to go up many levels within Ally before official signed off on. 
Complaint : I have requested that Ally provide the actual documentation from the XXXX County, Texas tax office billing me a property tax for my XXXX leased vehicle. This vehicle was purchased for personal use and the state of Texas does not charge property taxes on personal use vehicles. 
I have not received any proof that this was a property tax bill by the Texas, XXXX County. Ally has not provided any legal document to confirm this tax bill. 
Also, I requested an explanation on how they reduced the " suppose '' tax bill to {$150.00}. I have received no explanation. 
I believe they are in violationof the " unfair, deceptive, abusive practices ''
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX has reported a collection, original creditor XXXX XXXX XXXX, on my Experian credit report. They list the DOFD as XX/XX/XXXX. I moved out of that apartment complex on XX/XX/XXXX. When I asked them to provide documentation on this account, they supplied me with the itemized bill provided by the apartment complex which confirmed the date I moved out. If they are going to report this collection, I want all information to be accurate. They are knowingly, reaging this debt. Previous disputes with the bureaus have come back verified which leads me to believe not all paperwork have been analysed correctly.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OK)

I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OK)

Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Equifax responded to a complaint and they state that the status of the XXXX account has been updated to PAID IN FULL. However, they still list the STATUS as CHARGED OFF, which is not the case. The information that they received from XXXX in order to update the reporting is that the account is that it is PAID IN FULL. I have uploaded that document. That is the current STATUS and it is required by law that it is reported that way by the credit bureaus. 
Charged off is an IRS term meaning that XXXX offset their taxes with the amount. Now they have to reverse that process and report it as INCOME, once it is paid in full the status of CHARGED OFF no longer exists. The amount has been disputed for three years due to XXXX unfairly charging overdraft fees. 
Thank You
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, Equifax, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XX/XX/XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Equifax on behalf of this matter of XXXX XXXX.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on Equifax , no date on XXXX and XX/XX/XXXX on XXXX for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (LA)

I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.
Consumer complaint received 2017-05-01
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: EQUIFAX, INC. (FL)

XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX    XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. 

I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. 

Please see the attached letter : Exhibits will follow by USPS.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear XXXX, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 XXXX XXXX XXXX XXXX, XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Nelson and Kennard (WA)

When my debt was transferred to Nelson & Kennard, I believe I paid XXXX payments during the transfer period. I requested in writing and verbally ( to my point of contact 's administrative assistant ) to be issued a statement. I did not know how much I owed and which payments had been accounted for. After five months of payments, still no communications of any kind ( letters, phone calls or e-mail ). A bit odd, I thought. I sent a letter and stated that I would no longer pay this debt if I did not see some sort of recognition of my payments. Nothing. I made payments ( {$700.00} / month ) for an additional year. Still nothing. After numerous calls and letters I could not reach any one that would speak to me, left lots of messages, but no responses. So, after eighteen months I did stop paying. 

Fifteen months later, still no communication of any sort EXCEPT a summons to court ( received three days ago ). In the summons they state that they repeatedly tried to contact me by phone and mail. This is a lie. No statements, no communications of any sort. 
What do I wish to do? I am happy to resume paying this debt but I want the communications to be monitored in some way so that Nelson & Kennard will have to give the statements due me under the law. Indeed, after eighteen months of payments without any communications, something was indeed broken.
Consumer complaint received 2022-10-02
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. (GA)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Recovery Partners, LLC (TX)

XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing.
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (TX)

This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Other — 
Company: ZWICKER & ASSOCIATES (AZ)

XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ZWICKER & ASSOCIATES (TN)

Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (TX)

On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK (DC)

I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (FL)

Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.