davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MT)

I had another complaint where I complained that this company refused to give me my credit report. After I filed the complaint they sent me an online access code so I could see it. But the code timed out in a few minutes or when I refreshed my page. Then they refused access. I did not have time to read my report. I tried to call them about this but could not get past the robot. They seem to try to make this as inaccessible as possible while technically complying with the law that requires them to do this. It is very user-hostile. They do n't want to do this. My report has lots of inaccurate information but I ca n't fix it without paying or waiting another year.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?
Consumer complaint received 2017-08-17
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining XXXX.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

apply for barclays XXXX XXXX XXXX credit card since i shop at XXXX XXXX XXXX  all the time .... got a letter requesting a photo copy of my driver license, social security card, bill from a utilitiy company and a current bank statement .... call to ask them why i need to send them all this and was told it was to prevent i 'd thief ... if the letter with all the requested material was ever lost, could n't someone really have an eazy time stealing my ID?? .seems very idiotic to send all this by mail to prevent ID thief .... when i called to ask them about this they ask me 10 different. questions only i would know and yet they insisted i send the request material or they will not process the application ... the worst part is they already checled my credit report and i have an inquiry already listed by barclays .... its very redundant of barclays credit card company to do this and just seem XXXX ....
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
Consumer complaint received 2017-08-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (WA)

There was a debt placed on my credit report via XXXX XXXX of XXXX in the amount of $ XXXXThe debt was paid nearly two years ago, with a promise of the account being removed from my credit report and due to the fact that The debt was paid prior to being reported onto my credit report. Despite the debt being paid and disputing with Experian numerous times, the negative remark still remains on my credit report, which has caused great financial hardship.
Consumer complaint received 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX  XXXX XXXX. The program : Consolidates three modification programs into a single solution.
Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House XXXX XXXX
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (WA)

In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PLS GROUP, INC (LA)

My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired me.
Consumer complaint received 2017-08-17
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. (KY)

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX XXXX XXXX Can send these in as well once I get them scanned.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX of XXXX Can send these in as well once I get them scanned.
Consumer complaint received 2017-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On X/XX/17 I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from X/XX/17 in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with Transunion X/XX/17. I am awaiting the results.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

We are receiving calls daily from a company called, Pioneer Credit Recovery.
Their number is XXXX. I finally called them because they would not stop calling. The recorded message sounded shady so we never called the number until we finally had enough. I spoke with someone named XXXX. He asked me if the number I was calling from was this number. Then mention me by my first name, but then asked me for my name. I asked him why he did n't know my name since he knew my first name. He then said they we were listed as a possible landline number linked to a person that we have never heard of. They 're look to collect for her apparently. I told him to take us off of their call list, and if they continue I would report it to the FCC, ( not being sure which federal agency would be able to help me ).
He, ( XXXX ), then accused me of threatening him by saying that I would report his company to the authorities, FCC or now FTA. Through additional searches on the internet I found many other who have been wrongfully contacted by this company. This to me is unscrupulous and probably illegal. I do n't want to receive these calls anymore. I have no debt other than my Truck payment, which I am way ahead of. Can you please help me and the other like me?
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Consumer complaint received 2017-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This account is showing up on my Experian report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and Experian. Please alert them of this reporting negative on my Experian report. All other agencies have corrected it.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Trans Union, and XXXX continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. XXXX XXXX. Please see attached proof I had XXXX. XXXX, Trans Union, and XXXX has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX 2017. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (LA)

Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.
Consumer complaint received 2017-08-17
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. (SC)

Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. 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
Consumer complaint received 2017-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hiday & Ricke, P.A. (FL)

I refinanced a car via XXXX XXXX. The financing went through a company called XXXX XXXX XXXX XXXX. The car was reprocessed several years later under the agreement late payments could be made and accepted. They reprocessed it and would not return it even with back due payment offered. They sold it without notification. And now the collection agency they have hired to harrass Hiday and Ricke are claiming they are filing a case against me. The group is called Hiday & Ricke PA attorneys at law XXXX XXXX XXXX, XXXX, FL XXXX. They have bombarded me with phone calls and paperwork for over a year now. The repossession was done almost 2 years ago. They send people from a place called XXXX XXXX to beat on our doors late at night and scare us I have a XXXX son they have scared to death on numerous occasions.