davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC (FL)

This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. 
They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. 
Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. 
The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. 
The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (AR)

On XX/XX/XXXX I stuck a XXXX in my car, the next day we called and started the insurance process, the following Thursday XX/XX/XXXX night we struck another one. Went ahead and filled a police report for insurance purposes. Once I spoke to my adjuster he decided to just keep one claim since the damage was primarily in the was same position. But with the second hit it made the car non-drivable. So Friday we went and got the rental car our insurance company provided. However once I revived the insurance check, I had to mail it to my finance company XXXX XXXX. When I first reached out to them they provided me an address to mail it to them ; took it to USPS and they told me they couldnt find the address so I finally got A address that was real. So over nighted the check to them on XX/XX/XXXX, it was revived on XX/XX/XXXX. However the address that was given to them was a XXXX XXXX of a bridgecrest represtive. Now its 10 days later and theyve yet to receive the check. And they cant tell me where its at. And my rental car time is running out. My XXXX son is having XXXX XX/XX/XXXX. And I have XXXX other small children. And they cant tell me where at XXXX dollar check is at and have no interest in finding it.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance has not been processing payments in a timely manner. I have sent a series of payments to try and determine how long it takes for them to post payments to my account in the last month they have been taking longer than is acceptable for a business that is charging interest and penalties for late payments. 

Date sort by ascending Payee sort by ascending Payment Method sort by ascending Reference Number sort by ascending Amount sort by ascending Status sort by ascending Days to Clear XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$670.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$100.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX I have requested a pay off for this loan but cant be sure that they will process it with in the 10 days that the payoff quote is good for.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Yes I have tried to get credit with some companies and was n't able to.They used a hard credit report and put inquiries on my credit report and it has damage my XXXX XXXX I want to challenge all inquiries that 's on my credit report.some have been over two years ago and it 's still there and I want it to be removed from my credit report. I have asked them to remove this stuff off since it has been 2years I pulled my credit report up and inquiries are still there damage my XXXX XXXX. I had a old accounts and inquiries from them is there I feel they have n't been doing what the law requires them to do when it comes to my credit report. I 'm asking for help to reach out and resolve this problem with them.
Consumer complaint received 2017-10-30
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)

Some time ago Navient has stopped processing my payments. I have not received any communications to this except now a few years later I have 19 late payment notices on my account. I only learned of this since i have applied for a mortgage as I have been relocated for work. I had previously agreed to a reduced interest rate repayment plan. This was supposed to be automatic and to my understanding was setup to reoccur every month. This is greatly affecting my XXXX XXXX and my ability to secure a new house with my job transfer. This is also time sensitive the house i am selling closes in 3 weeks and will be left with no option but to attempt to rent for my family.
Consumer complaint received 2018-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (VA)

I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (GA)

I have wrote several letters asking for method of verification of accounts that are in reference to s dispute that includes report # XXXX dated XX/XX/2018. They are sending system generated letters instead of following section 609 ( a ) 1 ( A ) which requires them to send me verifying information, when I request. They are aware of what I'm asking for due to detail letters I have sent them on XX/XX/2018 and XX/XX/2018. The company does not have a phone number to call a human to help them understand what I need, everything is automated or electronic verification.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX XXXXXXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX  in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX  States they do not report anything over 4 year old yet they are on all 3 credit bureaus
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TX)

I have been contacted by NCB Management services in regards to a debt owed at work and on my personal line going back to the beginning of XXXX. I have phone recording of all the phone call I have received at my place of employment where I have stated ; 'This is a business line, you can not call here ', more that 10 times, along with an associate of mine who has answered some of the calls. I am still receiving these phone calls at work. The representative who has been contacting me is not interested in when or where they are allowed to call, nor, it seems, the rules they must go by to legally collect a debt. Whenever I explain that this is a business line and that it is 'not okay ' to continue calling here, I just get talked over and then receive more calls. I am filling this complaint because I am now in a difficult position with my place of employment regarding these continued phone calls.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-08-16
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: EQUIFAX, INC. (CA)

XXXX, XXXX AND XXXX I SUBMITTED DISPUTES TO EQUIFAX TO AMEND THE CREDIT REPORT INFORMATION FOR 4 ACCOUNTS XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) AS OF LAST COMPLAINT I FILED WITH YOUR COMPANY THEY ADVISED THEY NEEDED ME TO FILE DISPUTES WHICH I HAD ALREADY COMPLETED SO I RE-FILED THE DISPUTES AND AM REFILING THE COMPLAINT WITH YOUR AGENCY IN HOPES THE CORRECTIONS WILL BE MADE. THE OTHER TO CREDIT AGENCIES HAVE AMENDED THEIR FILES, XXXX AND XXXX. 

Date Major Delinquency First Reported SHOWS AND I WAS NEVER DELINQUENT ON A PAYMENT, PER CHAPTER XXXX BK, I WAS NEVER LATE ON A PAYMENT AND ATTORNEY ADVISED ME TO HAVE THIS DEROGATORY REMARK REMOVED. 
PLEASE DO SO IMMEDIATELY. :
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3  1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. 
I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 
1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 
2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 
3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 
4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 
5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. 

The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX  Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (NY)

I received a notification from Gulf Coast Collection Bureau on or about XX/XX/XXXX regarding an alleged debt to an entity called XXXX XXXX. I contacted them in writing advising that I had no knowledge of this debt, asked for validation of same, specifically in the form of any authorization with my signature for this laboratory to perform any services, and in response I received a " statement '' showing my name and address that provides no additional information or, more importantly, my authorization for any work from XXXX.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending (FL)

I received a mailer from open road lending  on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. 

When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TN)

I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CT)

I called Santander Consumer USA to request a copy of my contract on XX/XX/XXXX/XX/XX/2018, I never received the contract. I called today, XX/XX/18, to request the contract to be mailed and faxed. The copy that was faxed to me is not legible. The print only covers approx 1/3 the width of a standard 8x10 sheet of paper. I called again to request a legible copy of the contract and was told I would have to wait " up to 24 hours ''. I also called in regards to the company reporting a 30 day late prematurely. I made the payment on XX/XX/18, which shows credited to my account on XX/XX/18, via the online portal. However, when I called I was told by XXXX XXXX XXXX XXXX that the payment shows posted on XX/XX/18. I was told on a separate call by XXXX that is the reason it was reported 30 days late, as they report to the credit bureaus on the XXXX of each month. Additionally, the payment made on XX/XX/18 shows as having been applied entirely to the interest, the amount of that payment was {$340.00}. I would like an explanation for this, and a correct adjustment. I would also like my account to be audited as I am concerned that Santander Consumer USA 's inaccurate reporting/recording has compromised my account.
Consumer complaint received 2018-08-16
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: AMERICAN HONDA FINANCE CORP (CA)

On or before XX/XX/XXXX, American Honda Financial Services Division of XXXX XXXX XXXX XXXX Completely Deleted All of my credit bureau trade lines, from all three major credit bureau reporting agencies, XXXX, XXXX and XXXX. I am an American XXXX Veteran who took out an auto loan with American Honda Financial Services Division in XXXX XXXX, a 60-month/5-year loan and I have made all of my monthly payments on time, and have and excellent payment history for paying all current payments on time, all 56-payments to date are current.When American Honda Financial Services Division, without my knowledge or permission, & without any regard for my excellent payment history, Deleted all of my auto loan trade line history, my fico score immediately dropped over 38-points on all credit bureau reporting agencies, now my credit history was completely deleted & destroyed/erased by American Honda Financial Services Division due to their deleting all of my tradelines, this has damaged me financially!! Honda Financial Services Division has permanently deleted all of my excellent payment history, there is no longer any payment history that I ever had an auto installation loan, so the loss of my tradelines being deleted by Honda immediately damaged my fico credit score by negatively lowering minus 40-points, honda financial services division managers stated to me on the telephone XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, that their executive offices, the CEO & President of XXXX XXXX XXXX XXXX ordered the Honda Financial Services Division to intentionally discriminate against all individuals who had auto installment loans of any kind who were financed with their bank, & they were also instructed to delete all of the tradelines of any honda financial services division auto loan customers who ever filed for any type of bankruptcies, past or current even if the bankruptcies were already or previously fully discharged by the federal bankruptcy courts. This is outright negligence & discrimination on part of American Honda Financial Services Division, selectively targeting a specific group of its auto loan installment loan customers! My G.I.Home Loan is now on hold because I am now having problems getting qualified, for a new home loan, prior to honda deleting all of my tradelines, I was qualified to purchase a new home loan, now I can never qualify again even for any kind of auto installment loan, becaus honda financial services division completely deleted all of my previous payment history completely and forever! 
PLEASE ACCEPT THESE STATEMENTS AS MY DECLARATION AND PLEASE INVESTIGATE ALL OF MY COMPLAINTS, THANK YOU!
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (MD)

THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) ' COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOSLY FILED CFPB COMPLAINT AGAINST THE SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX ET. AL. I HAD THIS WELLS FARGO PERSONAL LINE OF CREDIT SINCE THE YEAR OF XX/XX/XXXX, AND I HAD NEVER BEEN LATE WITH A PAYMENT, AND/OR EVEN MISSED A PAYMENT, AND ETCETERA. IT WAS NOT UNTIL NEGATVE INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT, AND AFTER BEING TOLD I HAD TO MAKE AN ANNUAL FEE PAYMENT, ON OR ABOUT, XX/XX/XXXX, TO RE-ACTIVATE MY WELLS FARGO BANK PERSONAL LINE OF CREDIT, WAS WHEN YOUR WELLS FARGO BANK, TOTALLY ILLEGALLY AND TOTALLY WRONGFULLY AND TOTALLY FRAUDULENTLY CLOSED MY WELLS FARGO BANK PERSONAL LINE OF CREDIT EVEN AFTER I HAD PAID THEM THE ANNUAL FEE, WHICH THEY HAD PROMISED THAT THEY WOULD RE-ACTIVATE MY WFB PERSONAL LINE OF CREDIT, WHICH THEY HAD THENIMMEDIATELY CLOSED.-