davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX  agreed to delete an erroneous medical bill collection, as I disputed and it never should have been passed to collections. I have disputed with Experian and they refuse to remove from my report despite having the letter from XXXX XXXX stating it should be deleted
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (AR)

XXXX XXXXCONTACTED ABILITY RECOVERY SERVICES AFTER RECEIVING THEIR CONTACT INFO FROM ORIGINAL OWED COMPANY/GOVERNMENT AGENCY-XXXX XXXX XXXX ( ACCOUNT OVER 7 YEARS OLD {$540.00} ) TRIED TO VERIFY BALANCE TO PAY. I EMAILED THE NAMES ON THA WEBSITE TILL I RECEIVED A RESPONSE FROM A XXXX. WHO SENT ME AN ACCOUNT LOG OF ACTIVITY VIA EMAIL. 

PHONED ABILITY REACHED A XXXX AND SHE SAID WOULD HAVE TO VERIFY BALANCE BECAUSE THEY JUST RECEIVED ACCOUNT AND BALANCE IS {$650.00} REP PHONED BACK INFORMED BALANCE INCLUDES THEIR FEES. RECEIVED AN ACCOUNT NUMBER FROM REP, NO STATEMENT OR BILL INFO COULD NOT BE SENT OR EMAILED DUE TO NEW ACCOUNT STATUS. AND THAT I HAD TILL XXXX 2024 AND ITEM WOULD BE REPORTED TO THE CREDIT BUREAUS. I AGREED TO PAY ACCOUNT XXXX 2024 AND SHE COULD FOLLOW UP WITH ME @ XXXX. XXXX I PHONED XXXX AND PAID WITH CHECKING ACCOUNT INFO. NO TRANSACTION NUMBER GIVEN. 
XXXX REP PHONED AT XXXX TO INFORM ME MY PAYMENT IS BEING RETURNED TOMORROW DUE TO NOT RECOGNIZED MESSAGE-FROM SHE DIDNT KNOW AND THAT ITEM WAS GOING ON MY CREDIT. I IMMEDIATELY CALLED MY BANK AND WAS TOLD NOTHING PRESENTED/REJECTED AND THEY COULD HONOR NO ISSUES WITH MY ACCOUNT. THIS COMPANY PRACTICES WILL RESULT IN ITEM PLACED ON MY CREDIT REPORT CAUSING HARM-DUE TO ABILITY RECOVERY DISHONEST ACTION OR LACK OF PROPER PROCESSING AND NOT PRESENTING MY PAYMENT, IN ORDER TO PLACE ON CREDIT BUREAUS-WHILE HOLDING MY PAYMENT
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Formal Presentment of On Demand Promissory Note for Processing This information was sent to XXXX ( XXXX ) XXXX XXXX, Relationship Manager Business Banking on XXXX XXXX I trust this communication finds you in good standing. I, XXXX XXXX, herein referred to as the " XXXX, '' am writing to formally present a negotiable instrument, specifically a promissory note, for processing at Bank of America, The particulars of the promissory note are delineated as follows : Principal Amount : {>= $1,000,000} ( XXXX XXXX Dollars ) Date of Instrument : XX/XX/year> Scheduled Payments : {$2000.00} ( XXXX XXXX Dollars ) per installment Enclosed herewith, I submit a true and accurate duplicate of the promissory note, accompanied by all requisite ancillary documentation. 
It is crucial to underscore that this promissory note is presented in strict accordance with the statutory framework outlined in the California XXXX XXXX XXXX  ( XXXX  ), notably governed by Article 3. The instrument meticulously adheres to all essential requisites for negotiability as prescribed by California law, including but not limited to its tangible manifestation in writing, explicit articulation of a promise to pay, and the authentication of the XXXX 's signature. 
Furthermore, due diligence has been exercised in ensuring compliance with California 's usury laws, as articulated

in the pertinent sections of the California Civil Code, specifically Sections 1916-1 and ensuing provisions. Additionally, adherence to relevant provisions of the Federal Reserve Act, namely sections 18 ( 6 ) & 16 ( 1 ) ( 2 ) ( 4 ), has been diligently observed. Should any supplementary documentation or information be necessitated by the esteemed institution to facilitate the expeditious processing of the promissory note, I affirm my
unwavering commitment to furnish such documentation forthwith. 

Thank you profoundly for your attentive consideration of this submission. An expeditious and compliant processing of the promissory note is eagerly anticipated. 
Respectfully submitted, XXXX XXXX
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of $ XXXX  monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase Auto Receivables LLCXXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX Subject : Update Request for Discharged Debt ( Account Number : XXXX ) I hope this letter finds you well. As a securities transfer agent, I understand the importance of maintaining accurate records for discharged debts. I assure you of my commitment to provide any necessary documentation or information required for the proper handling of this transaction.

I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes updating internal records and informing any relevant third-party credit bureaus about the discharged status of this debt. 

It is crucial for the accuracy of my financial records and credit profile that this information is promptly updated. I trust that Chase Auto Receivables LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Family Choice Financial, Inc. (MS)

I RECEIVED YOUR RESPONSE REGARDING MY COMPLAINT, I DEMAND FAMILY CHOI TO PROVIDE PROOF OF LATE PAYMENT TO BE SENT TO ME WITHIN 30 DAYS, IF NOW PROOF CAN BE PROVIDED I DEMAND THIS TAGGING TO BE UPDATED AND DELETED FROM MY REPORT.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

I want to request the original contract from the original creditor with my authentic signature on it. I would also like to request the payment history with the original creditor. Finally, I would like to request the proof of debt assignment. I would like to know how and when this company was assigned or purchased this debt.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, I saw 30 days late remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks. 
BK OF AMER XX/XX/2020 XX/XX/2020
Consumer complaint received 2024-03-09
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

I am writing this complaint in regard to COMENITY BANK. COMENITY BANK is reporting an account on my consumer report as reflected on all 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ) that was sold to a debt buyer. I have sent a notice of dispute to COMENITY BANK, and they ignored it which is a violation of the Fair Credit Reporting Act. There are two accounts reporting from COMENITY BANK that was sold to a debt collection agency by the name of XXXX XXXX XXXX. COMENITY BANK is improperly and wrongfully using my consumer report and it is damaging my reputation. I have taken notice that XXXX XXXX XXXX, the company they sold the accounts to has a track record of abusive and deceptive behavior towards consumers. I discovered this by looking at the many lawsuits brought against XXXX XXXX XXXX. COMENITY BANK is violating the Fair Credit Reporting Act as it pertains to " accuracy and fairness '' of credit reporting. There are currently 4 of the same accounts being illegally reported on my consumer reports by both PORTFOLIO RECOVERY a debt collection company and COMENITY BANK. This action is misleading and a violation of the Fair Credit Reporting Act. It is my understanding that since COMENITY has sold the accounts as stated in the comments of my consumer report " sold to another lender '', that they must remove the accounts that THEY are reporting to my consumer reports since the accounts they have been reported now belongs to another company. This behavior has both assassinated my character and damaged my reputation. This behavior is not only abusive, but deceptive and disrespectful as it is affecting my livelihood. As it stands, I am unable to get approved for a new home for my family because of this issue. This behavior constitutes a violation under 15 USC 1681s-2 ( a ) and fraud pursuant to 18 USC 1001 ( a ) for intentionally reporting false and invalid information on my credit reports. This account is now owned by a debt collector and must be removed from my credit reports by COMMENITY BANK otherwise this issue is grounds for legal action as permitted by law for damages per 15 USC 1681n Civil liability.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/XXXX I opened a chase sapphire preferred card with Chase and as a result of my membership received a XXXX XXXX  membership card valid until XX/XX/XXXX. In XX/XX/XXXX I attempted to log in to the XXXX XXXX app and was informed I had no account. Additionally I tried to use my XXXX XXXX membership card at a XXXX XXXX lounge with the expiration date of XX/XX/XXXX and was informed the card was not valid. Upon review of Chase sapphire preferred current terms I saw they ended their agreement with XXXX XXXX and as such immediately terminated my XXXX XXXX membership. I did not receive anything in email or physical mail indicating my membership would expire sooner than the anticipated expiration date. As a result I feel misled and felt I paid an unfair annual membership fee for my credit card as the benefits were not honored for the full 12 month term.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I dont know how they got my information and they are violating my rights as a consumer and gave me a hard inquiry which drop my credit score by XXXX points, invited my rights of privacy and making my life hot harder to obtain a auto loan or any type of loan for the good of my well-being and this is not fair in pursuant to the fear, Credit reporting act
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (WI)

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

In XXXX of 2023 I paid the balance on the card of roughly {$190.00} in full. I was then charged afterwards an interest fee of {$5.00}. This statement was never sent to me which resulted in getting late fees. I was never once communicated to about the past due balance or late fees by the company. I logged into the account today XXXX to see if i could update contact preferences as they had been calling me about doing something with my tax returns which seemed VERY suspicious and i wanted the constant calls from several different numbers to stop, and I was shocked to see a past due balance of {$54.00} and several late fees, and then found out that it has greatly impacted my credit score.

I contacted the company and was disconnected when asking to speak to a supervisor and then called back to speak to another very rude customer service representative who refused to send me anything other than a statement and refused to send me to a supervisor. 

I submitted an automatic payment for the past due balance, and decided to close the line of credit. I just want this to not negatively impact my credit. I am very disapointed, as I have never had a late payment, and this practice seems in very poor taste, and very shady.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MI)

They continuously call me and my husband disclosing only the name of their business TSI and stating it is regarding a personal business matter. They do not indcate it is to collect a debt or that they are a debt collector per my rights according to the FDCPA. They call hang up. They call leave no messages. They are calling on a voluntary repo that is a charge off. The account has already been charged off and so they are trying to collect more money from me. I have told them not to contact me numerous times. The vehicle was sold. I owe them nothing.

I am trying to get away from the bank I had the vehicle with for their immoral collection practices and now I am being harassed by this TSI company. I am dealing with a medical hardship and do not need the added stress of this company calling me and refusing to state what they want and the nature of their business other than its a personal.business matter. Per rules and regulations they have to disclose who they are and the specific reason for their call and I requested they not call me therefore they have to abide by that.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc (NV)

Im unaware of this debt youre attempting to collect, I also was not provided with the opportunity to dispute this debt. Nor did I receive proper notification of this debt. If in fact you believe you provided me with proper notification, please send me a certified receipt with my signature on it.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC (OH)

I have mutiple inquiries on my account that were not authorized by me. I also have two different loans from a Best Egg company that are not authorized by me. I have disputed the loans multiple times and they were removed from my credit report and then added back as verified.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

My mortgage was transferred to Pennymac last year, approximately in XX/XX/XXXX. For the past year, I have made every single payment on time. In early XXXX of this year ( XXXX ), I received an email notification from my Flood Insurance company that my Flood Insurance will expire on XX/XX/XXXX if payment is not made. I checked with Pennymac and they did not have my Flood Insurance policy on file, so I provided it to them, along with the information that they need to make payment by XX/XX/XXXX or my policy will expire. Pennymac did nothing and I had to continue to request for my Flood Insurance not to lapse. The Flood Insurance company finally received payment from Pennymac on XX/XX/XXXX, which is 8 days after the policy expired.

As of the time of this complaint, my Homeowners Insurance policy has lapsed. Pennymac has not made my Homeowners Insurance policy payment as of XX/XX/XXXX. The payment for my Homeowners Insurance policy was due on XX/XX/XXXX. 
I have requested Pennymac to delete my escrow account, as I can handle all payments outside of the mortgage myself. It is simple to do, yet clearly difficult for Pennymac to handle. Yet after not making any of my policy payments needed on time, out of my own escrow account that is funded by me, Pennymac has refused to delete my escrow account. I want my escrow account deleted, as Pennymac can not make simple payments timely, on my behalf.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

I applied for a repayment plan/modification plan in XXXX, XXXX and XXXX and XXXX. Ihave been told that documents are missing. I repeatedly submitted documents. I submitted them again on XX/XX/27 and XXXX. Now there is a pending sale date. Without review of my application. All documents requested have been submitted, they are submitted in separate emails because of size.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I was told by Mr Cooper ( Nationstar ) that if I did not provide proof of insurance on my home they would buy insurance that I would have to then reimburse them for. I called them because I do have insurance and wanted to get this resolved as soon as possible. I tried several times over many minutes to speak to someone on both their Customer Service and Customer Complaint phone numbers. When I called the Customer Service number I was told to press 0 to speak with someone and was then told that 0 was an invalid choice. This happened a second time when I tried again and was then disconnected by Mr Cooper. When I called the Customer Complaint number I was told that I would speak to someone but went through many more prompts before I ended up back where I began. It is literally and unequivocally impossible to speak to anyone at that company. I was left stressed, worried that they would buy insurance and force me to pay for it, and unable to resolve anything except by sending an email. This company is dishonest, shady, and should not be allowed to hold something as important as someone's mortgage without allowing customers an opportunity to speak with a representative. I am aware that there are many, many other people who are unhappy with this company for more important reasons than mine. I am also aware of at least two class action lawsuits against this company. How they are allowed to keep doing business is beyond me. People should be allowed to choose who holds their mortgage. If they were then companies like would be more responsible or go out of business because no one trusts them.