davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This company is reporting inaccurate information as they are trying to collect on accounts without dates, no validation of debts have been provided, additionally these accounts are inaccurate and an investigation needs to be conducted to resolve this.
Consumer complaint received 2019-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency TransUnion, XXXX  and XXXX. I have file a police report with the XXXX Police Department
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service (ID)

AAFES/NEXCARD DEB XXXX ( Military Star Card/Army and Air Force Exchange ) appears on my 'leave and earnings statement ' from the XXXX XXXX . I am an XXXX, XXXX XXXX I enlisted XX/XX/1999. I have been the victim of improper debt collection practices many times by many companies, but this one requires action. This company improperly sent a letter to my place of business in an intentional attempt to get me in trouble at work. The letter was not even addressed to me, it was addressed TO my boss. Completely unethical and improper. Violated my right to privacy, and also the Fair Debt Collection laws not to harass a debtor at their place of employment. Then, after this company acknowledged receipt of my Chapter XXXX bankruptcy petition, in writing to my attorney, they filed a fraudulent wage garnishment against me and took over {$600.00} directly out of my check without warning. I have contacted the company both via telephone and in writing and they refuse to return the funds or assist in any way. Claiming dishonestly that there is no information on file for someone with my identifying credentials. They sure didn't have any trouble location my identifying credentials when they wanted to take money from me though. That evidences to me they are being dishonest, and there is proof they took money when they should not have because they already acknowledged receipt of the Chapter XXXX documents in writing TO my attorney which he showed me at the courthouse. I need my funds returned to me expeditiously, and I hope your organization will look into how this company has hammered down the harassment of XXXX XXXX soldiers and their families for many, many years. In fact, there needs to be a serious investigation into how every company that abuses putting the vocabulary 'military ' or 'XXXX   XXXX ' in its name abuses that vocabulary to purposely mislead soldiers into thinking they possess the ANY authority of the United States Military when they absolutely do not, and, they need to be stopped from harass soldiers and their families on XXXX XXXX at their place of business purposely trying to cause the soldiers command to issue an order of payment of debt when there is no legal pressidence to do so.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

My first notification of being in collections was from a company called XXXX. I called XXXX XXXX after applying for an apartment and getting denied. This is when I found out it was in collections. The collections company is National Credit Systems. The issue is I have nothing in writing prior to the XXXX. They acquired my account on XX/XX/XXXX and claims to have mailed a letter to me. I do not have one and never received one. I have paid the balance but it is not reflected on the account not have I received a receipt. My credit card reflects the payment but nothing from them. The rep XXXX who " assisted '' me got very personal. She is offended if you ask a question, if you are intelligent, if you don't like how she is yelling at you, etc. She kept putting me on hold and asking about the other person on my rental application. How is it they have my rental application with non pertinent collection info on it???? I'm concerned about my data. I think they are holding my payment because of her attitude towards me. The supervisor XXXX was not helpful in correcting the behavior. I paid them more than 24-48 hours ago as of this complaint and still no receipt. The online account does not show the payment either. Have I been scammed. XXXX is no help, unaccountable and fake collections people there.
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IL)

I took out a loan and paid back all principle. I then had the Wisconsin Dept of Financial Affairs tell me they are not licenced in WI. I started payment plan, and paid another {$150.00} and then canceled the agreement of {$600.00}. They say they are part of the XXXX XXXX, they do not reside on their land and are only affiliated with XXXX XXXX. Their practices are wrong and misleading. Why do they not have to follow the laws, but others do? It says XXXX XXXX is on the reservation, but then does business as Zocaloan? Why a different name? Because Zocaloan is not on tribal land. See their loan description .... 

The words you and your mean the borrower who has electronically signed it. The words we, us and our means Rosebud Lending LZO d/b/a ZocaLoans. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the Tribe ), a federally recognized sovereign American Indian Tribe. All disclosures in this Agreement are also terms and conditions of this Agreement.

This is from Website ... 
ZocaLoans loans are designed to assist you in meeting your emergency borrowing needs. Rosebud Lending LZO is the tribal lending agency of Rosebud Lending, a subsidiary of the Rosebud Economic Development Corporation, an economic development arm and entity of the XXXX XXXX XXXX, a sovereign nation located within the United States of America and operating within the Tribes reservation. Rosebud Lending does  business as ZocaLoans. 
ZocaLoans does not lend in all states. 

Id like to find out their physical address and not PO Box . There were many of these places sued in California for doing this exact same thing.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

This complaint has repeatedly been submitted and Marcus Bank continues to lie to you. 

I urge you to read their response to the first complaint XXXX XXXX XXXX Marcus bank agreed to close the account and send the funds back to the source of funds bank account and with that urged you to close the complaint. 

You closed the complaint but they lied and never sent the funds back. In fact their own rep admitted to me that the account was closed but she has no idea where the funds went!!!! Might I suggest to an account of a bank employee???? We are talking XXXX XXXXXXXX here Now they are telling you some deceptive mumbo jumbo about the power of attorney not being acceptable for some unknown reason. What does that have to do with how many apples grow on an apple tree? 

They already stated they were refunding the source bank account. There is no wiggle room there to play games with documentation not being acceptable or whatever legal eagle truth dodging defense they are using to try to dodge the fact that they did not do what they told you would be done in the original complaint. 

I have taken this complaint to multiple agencies who all send me back to you as the regulator of that lame excuse for a bank. Do I really need to file a lawsuit to get them to follow through on what they specifically agreed to do in the original complaint? 

Perhaps you can recommend a news media outlet that might be able to get the word out about the games this bank is playing and why the banking system itself is not on solid ground? 

Would you please help me with these XXXX  at Marcus Bank?
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX did not report correctly. I did pay Bank of America on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX  also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

In XX/XX/XXXX, apparently the loan I previously had with XXXX was taken over by New Rez Shell Point Mortgage Need help. 

I have this loan since XXXX, and refinanced in XXXX. Previous mortgage payments were sent successfully to XXXX, XXXX, XXXX XXXX, XXXX, and now Shellpoint. 
The XXXX loan # XXXX The Shellpoint loan # XXXX Property : XXXX XXXX XXXX, XXXX NJ XXXX Even after the take over, the monthly payment of XXXX was regularly sent automatically from my account, but it was not accepted. Why? 

After a phone conversation with XXXX XXXX on XX/XX/XXXX, he said that 6-months payments are " missing '' and they don't accept monthly payments. 
On XX/XX/XXXX ShellPoint received a bank check for the whole amount of XXXX The check was not processed, and now they sent the house into foreclosure. 

It is outrageous why they don't want to process the payments sent.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

On XX/XX/2019 I spoke with leasing agent XXXXXXXX at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I needed to give my 30 day notice to vacate since my lease was going to terminate on XX/XX/2019, she then advised me to sign the form Notice to Vacate which I did and she advised me my move out date would be XX/XX/2019 ( 30 days from the date I gave my notice ) and for me to call her on XX/XX/XXXX so that she can give me the amount I would need to pay for those 12 days of XXXX 's rent. XX/XX/2019, I call the office and ask to speak with XXXX, they proceed to tell me she no longer works there so I get transferred to XXXX XXXX Property Manager, she then tells me that XXXX was wrong in advising me that my move out day was XX/XX/XXXX, I would have to stay the whole month of XXXX and be out by XX/XX/XXXX. Which I explained to XXXX that I was not informed correctly and that I should not be held accountable for the leasing agent 's mistake, she then agreed with me and stated they would honor the Notice to Vacate form and pay {$370.00} for the 12 days of XX/XX/XXXX 's rent ( which I did, and have proof ). I move out XX/XX/XXXX, as per the agreement. XX/XX/XXXX comes around and I am being harassed by IQ Data International a debt collection agency stating that I had broke my contract with XXXXXXXX XXXX XXXXXXXX XXXX and I owed {$1500.00} dollars! I proceeded to let the collection agency know that I did NOT owe that money and that I had given them proper notice to vacate, the collection agent XXXX XXXX was extremely rude and unprofessional literally yelling at me saying I owed and I needed to pay at that moment! On XX/XX/2019 I spoke with property manager XXXX XXXX again and she reviews the charges with me in her office takes a copy of my Notice to Vacate form and stated that I did NOT owe {$1500.00} and that indeed no contract was broken. She advises me she will fix the problem and for me to ignore the collection calls. XX/XX/XXXX comes along and see that the debt is listed as collections debt owed on my credit report! On XX/XX/2019, I speak with XXXX the leasing agent   and ask to speak with XXXX the property manager and she tells me she wont be in until Monday. Monday comes along I go in and not see XXXX I then proceed to ask XXXX when she would be in the office? XXXX then proceeds to tell me that XXXX no longer works there and she will see what she can do for me. We are approaching XX/XX/XXXX and the debt is still there on my credit, I disputed the collections and I still haven't received one phone call from XXXX or anyone from XXXX XXXX  XXXX XXXX to have this issue resolved. I am running out of options here and I need this debt to be removed from my credit a soon as possible since I am not responsible for the leasing agent 's mistake. I gave my proper notice and they should honor it. This has caused my credit score to drop significantly.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Loan Servicing Issue : I have an insurance claim from Hail   Damage to my home. Mortgage provider required numerous documents in order to approve a contractor so they may make the needed repairs. The required paperwork was submitted and received in XX/XX/2019 as confirmed by the website they use to upload the documents. I get a phone call claiming the paperwork was approved and they will issue a check addressed to me and the contractor. Two months go by and I make attempts to get a status to no avail. I finally get a phone call from a representative the w/o XX/XX/XXXX that confirms all the required paperwork was received ( again ) but they want a termination letter from the prior contractor that I didn't move forward ( zero costs incurred, I fired the contractor due to their inability to follow through with documentation on the work they WOULD be doing ) with and I terminated the agreement in writing, of which, they confirmed, in writing. I then, sent this termination correspondence to the lender and to-date ; don't have a reply. 

Additionally, I have submitted written correspondence through the same website to document attempts to get a status. The delays have caused damage to the inside of the home because the roof  is damaged from the hail  and I can not get approval to begin repairs. 

The negligence is significant on behalf of the lender - I will no longer stand by and allow them to manipulate a process they create and then simply ignore and abuse it.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

On or before XX/XX/2018, I sent out a registered mail to the following companies who was working on behalf of ( CACH LLC ) RESURGENT CAPITAL SERVICES and XXXX XXXX XXXX, XXXX. 

I requested each to produce all documents evidencing their right to act upon the conditions to collect such debt and produce all documents evidencing showing breach of any condition of the promissory note tendered by me. 

I was in need of a paper trail tracked all the way back to the original lender with no gaps in the chain of custody. No one could provide me with the information I was requesting.
Consumer complaint received 2019-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have been a long time loan paying citizen and I have been trying to gain some help in lowering my payment to sustain a descent lifestyle. I was temperarilry put on a lower interest rate program but now that that is over I have no other options to pay the high monthly fee. I have made several request to lower my payment and there is no help available. I have pay every month and I am diligent in calling to help with my cause. I have not even been able to the principal down I have only paid interest thus far.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

This complaint is concerning the predatory and unethical business practices of Freedom Debt Relief. We had worked with Freedom Debt Relief for approximately two years paying off debts. We were working on the last account debt to be paid off and in XX/XX/2019 we had asked Freedom Debt Relief how much money we would need to deposit as a one time deposit so that all of my remaining debt would be paid off. They told us a quantity of {$1400.00} including their service and settlement fees. Freedom Debt Relief said that it was not possible to deposit to the account immediately and that the earliest they could withdraw the money was on XX/XX/XXXX. Freedom Debt Relief pulled out the money from our bank account on XX/XX/XXXX and then stated that they take up to 30 days to process the payment to the creditors. I checked with them at least 2 times before the 30 days had passed to see if they were able to prompt the system to send the payment to the creditors and they said they could not do it until 30 days passed. Once the 30 days passed ( XX/XX/XXXX ) they had not done the payment to pay off the debt and they only did a regular scheduled payment to the creditor ( {$210.00} ) instead of paying the debt in full and finalizing the program. On XX/XX/XXXX they pulled out additional service fees and now state that there is not enough money in our Freedom Debt Relief account to pay off the debt to the creditor in full as we initially had the agreement to do and Freedom Debt Relief is now requiring us to provide an additional payment to them in order to complete the amount needed to pay off the debt and because it takes 30 days to process when you do an extra deposit, they will charge additional service fees again for the next month. I authorized to make an extra deposit for {$45.00} so that there is enough money for the remaining of the debt plus additional fees that are accruing because of their negligence. If they do not do the deposit this time, again I will not have enough money to pay off the debt in full and will need to deposit even more money on fees for work that they are not doing. 
I also asked for the transcripts of the chats ( all of these conversations were via online chat so there is written evidence of everything ) and when I asked for the transcripts, they replied they do not provide transcripts of the chats. We had an agreement with Freedom Debt Relief to pay off a debt in full and we are experiencing negligence and/or intentional actions by Freedom Debt Relief to not fulfill their agreed responsibilities and in addition to this they are charging us more fees and requiring us to make more deposits because of their refusal to fulfill their obligations as were agreed to. We need this cycle to end.
Consumer complaint received 2019-08-26
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: NAVY FEDERAL CREDIT UNION (MD)

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.
Consumer complaint received 2019-08-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS A NEW COMPLAINT! The prior complaint did not fix the issue. 
Please note according to the CFPB website it should have been one inquiry to my credit report and not 3 " hard hits '' under What effect will shopping for an auto loan have on my credit?

" When you apply for a loan and the lender checks your credit, a credit score is created for the lender. Depending on the credit scoring model used, generally any credit inquiries that took place within a 14 to 45-day time span will only count as one inquiry. So its a good idea to do your loan comparison shopping within a short time period to minimize any negative impact on your credit score. '' Since all three inquires happened on the same day. Please correct my report. Since I am unable to attach the report it is as follows : LOW IMPACT.

We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 


from XXXX XXXX What to know Good news! It's a temporary ding and scores usually bounce back in 3 months.

Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 





Inquiry details XXXX Na Inquiry from XX/XX/XXXX Bank + XXXX  Inquiry from Apr XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX I ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX. + XXXX XXXX XXXX + Credit Union This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX