davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (CA)

Our mortgage payment is due to Loan Depot on the XXXX of each month. The bill always arrives after the XXXX. In XXXX, it didn't arrive until the XXXX. Because I pay all of my bills at one time, I had already paid everything at the end of the prior month. I didn't realize the Loan Depot bill was not received. When I received the billing on XX/XX/XXXX, I immediately went online to my bank to pay through the XXXXXXXX XXXX ' system. This should have been plenty of time since late charges don't accrue until the XXXX. Because Loan Depot can not accept an electronic payment, our bank has to send them a physical check. Our bank said the payment would arrive by XX/XX/XXXX. We received a notice dated XX/XX/XXXX which showed they had not received the payment and we had accrued a late fee of {$95.00}. I called Loan Depot and they confirmed they did receive the payment, but not until XX/XX/XXXX. We have never paid a bill late and asked them to waive the late fee. The agent stated they just changed policy and they could no longer waive late charges. They said they changed systems and mailing procedures a year ago and the payment coupons no longer will come timely. This seems very unfair. They have an obligation to send their billings out in a timely fashion and not after the due date. The agent stated that the bill will never come on time because of some strange change to their systems. I have now set up auto pay so this will not happen in the future, however, I do not feel we should be penalized for their internal system problems.
Consumer complaint received 2024-02-27
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: Affirm Holdings, Inc (NJ)

Account Name : AFFIRM INC - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination.

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to XXXX or AFFRIM.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have filed XXXX disputes regarding incorrect information that XXXX XXXX  is reporting to the XXXX credit reporting agencies : XXXX, XXXX XXXX, and Equifax. XXXX XXXX  responded to both disputes by stating that the information they provided to the CRAs was accurate. In both disputes, I provided documents that show my correct payment history, yet XXXX XXXX  will not correct their inaccurate reporting to the XXXX. 

XXXX XXXX  reports to the XXXX agencies that in XX/XX/year>, my payment was XXXX  days late ; in XX/XX/year>, my payment was XXXX  days late ; and in XXXX, XXXX, and XX/XX/year>, all XXXX  payments were XXXX  days late. 

In the months mentioned above, in XXXX, I was enrolled in a debt management plan with XXXX XXXX XXXX to pay off my XXXX XXXX  debt. In my prior disputes, I provided XXXX XXXX  with XXXX and XXXX XXXX XXXX statements showing the dates that XXXX debited my XXXX account and the dates that XXXX XXXX XXXX submitted electronic payments to XXXX XXXX  per my debt resolution agreement. In this CFPB complaint, I am also providing XXXX XXXX  statements as further evidence that they received these payments. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows they received the payment from XXXX XXXX on XX/XX/year>. There were no late payments in XX/XX/year>. 

For XXXX and XX/XX/year>, I could not make my monthly payments due to circumstances beyond my control related to the COVID-19 pandemic. I informed both XXXX XXXX XXXX and XXXX XXXX  of my circumstances and was granted a XXXX grace period by XXXX XXXX . 

I resumed my payments in XX/XX/year>. On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

There was no late payment for XX/XX/year>. There were only XXXX months that I could not make payments : XXXX and XX/XX/year>. There were no late payments for XXXX and XX/XX/year>. XXXX XXXX  should be reporting that my XXXX payment was XXXX  days late and my XXXX payment was XXXX days late.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc (CA)

I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.
Consumer complaint received 2015-07-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC (NY)

After thoroughly reviewing my credit report I have noticed two accounts reporting as a charge-off. The two accounts reporting were from ACIMA DIGITAL FKA SIMP. On XX/XX/2024 I mailed a letter to them requesting a copy of a 1099 form associated with my account. In the same letter I requested a copy of as a promissory note or any relevant documentation related to this account. On XX/XX/2024 ACIMA responded to the request stating that " a 1099-C is not appropriate as we have not performed a " cancellation of debt ''. In this letter they have also stated " some information we reported was inaccurate ''. On XX/XX/2024 I mailed out via certified mail my correspondence. I stated that they're in violation of 15 USC 1681S-2 ( a ) ( 1 ) ( a ) reporting information with actual knowledge of errors. I also requested in that letter a list of requested information from ACIMA DIGITAL FKA SIMP from their investigation. I requested a list of questions 1-10 of who investigated these accounts. I requested a notarized affidavit that their responses were true and correct. They have failed to respond.
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (NY)

On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-04
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. (GA)

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Pandemic and received forbearance for a year and was offered no retention options to keep my home because Select Portfolio didnt tell me until the end of my forbearance that my private lender wasnt offering options. Im in Chapter XXXX now and at mediation SPS says again my lender will not offer any options to modify. So its either lump sum payment or pay thru my bankruptcy plan. I think the Cares Act should of included some relief that the private lenders should have at the end the the Cares Act forbearance. Yes I can stay in my home thru my chapter XXXX plan but my payments are so high its going to be hard. SPS shouldnt of told me I had no option at the end I asked thru out the forbearance and they always replied there will be options but couldnt tell me which one when they did know.
Consumer complaint received 2016-07-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : ( 1 ) Asset Acceptance LLC XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( 2 ) XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. XXXX Bank issued me a XXXX XXXX Card XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. XXXX Bank assigned the debts to an Assignee Asset Acceptance LLC without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX Sheriff 's income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. InterestXXXX30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase account has been restricted from adding withdrawal method. 
Have raised 3 tickets on this - XX/XX/2021, XX/XX/2021 and XX/XX/2021 with screenshots. 
No response from customer service so far. 

I have not been able to withdraw my funds and due to the volatility of the market, I have already lost money on the paper profits.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with JCMB ( XX/XX/year> ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/year> ), be updated to paid as agreed on time and NOT DELETED