davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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: LEXISNEXIS (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a second with Bank of America. I was paying as the computer said I owed. My loan would often disappear from the web site and then reappear several days later. I went to the bank to find out what was happening and after several phone calls I was informed that my loan was closed out. I never received one email or phone cal from the bank. The person I spoke to said it was not the banks responcibility to call me. They said they called every day and yet never left a message as to why. I was forced to pay more than the monthly loan amount by several hundred dollars. I need some assistance
Consumer complaint received 2018-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (FL)

In XX/XX/XXXX I have co-signed for a car for my X Wife. She took the car in the divorce. She had stop paying for it, the and give it back to Hyundai in XXXX. Hyundai Closed the account in XX/XX/XXXX. In XX/XX/XXXX an other payment was made. That was a court ordered payment FINAL payment to pay off Hyundai 's debt by my X wife of {$1600.00}. Because the account was close I didn't pay attention to it. I have opened a secured credit card. 3 years went by and my credit scores were the same never went up. Now I know why. Cost it me a lots of money so far. A few months back I opened the details of the credit report. I was shocked. 2 and a half years went by suddenly Hyundai started reporting the months they alleged I owe the {$1600.00} and reporting it this is under collections. Between XX/XX/XXXX and until no one ever called me to collect any money. I wasn't hiding I have a listed number. Their statue of limitations of 5 years of collections run out anyway. Hyundai altered my records just recently. Removed the actual date of when the account was CLOSED and left only when the FINAL payment was made. I have the proof of the original dates what they have recorded. Why would a company would wait 2 and a half years to even making merit less demands. They started reporting again in the middle ofXXXX. No company would wait 2 years, and they didn't even after my wife first stopped paying. They have instantly referred the case to collection back then.The records says now in Collections Charge Off. XXXX already corrected their records and have removed the monthly chart what the company claimed, how I have not paid any money back to them for the months and years. My credit newer went up and suffered because of Hyundai monthly reported false claim for the last 2 and a half years. And they are still reporting on it as of now. Their last report was in XXXX. They are 3 months beyond the statue of limitations of any collections anyway. So when when is the reporting will stop? Why do they REMOVED from the credit agency records the actual date/time when the account was closed? Regardless of the last date of the payment of XX/XX/XXXX. They got paid fully. They have left in the XX/XX/XXXX, it makes it looks like they are legally demanding, collecting and entitled the money! FRAUDULENT practice. They have tailored the financial data to their needs.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (CA)

I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. 

I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! 

ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. 

The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. 

Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (GA)

The XXXX XXXX XXXXXXXX card enrolled me in credit protection when I opened the account about 2 years ago. XXXX has gone out of business, so the card is technically 'closed ' pending the payoff of my current balance. The 'credit protection ' is adding about 50 % more each month to my bill and I am attempting to cancel it, however I need my credit card number to do so. Unfortunately, I have lost the card. When I reported the card as lost to XXXX XXXX, they told me they were unable to send me another card. I asked how I was supposed to get my account number and was told it was on my monthly statement only to find out it is, in fact, not on the monthly statement. I believe the company is intentionally giving me the run-around to prevent me from cancelling the 'credit protection ' they charge me so much for.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I C SYSTEM INC IS REPORTING A COLLECTION ACCOUNT THAT IS NOT MINE. 1 YEAR AGO THIS ACCOUNT WAS REMOVED DUE TO IT BEING NOT MY ACCOUNT AND HAS REAPPEARED ON MY CREDIT REPORT THIS YEAR. THE ACCOUNT HAS BEEN REAGED AND SOLD TO A NEW COMPANY WHO HAS NO LEGAL RIGHT TO COLLECT THIS DEBT.
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Follow up response to Consumer Financial Protection Bureau Compaint ID # XXXX and XXXX. 
Chase was negligent in NOT properly verifying 3 fraudulent call claims and negligently deposited {$2800.00} in my daughter 's account. She reported she had NOT made these calls and that they WERE FRAUD. Her account and she were a victim of THEFT as her card was STOLEN and USED FRAUDULENTLY and WITHOUT ANY AUTHORIZATION from account owner. CHASE is responsible for this entire incident. Chase personnel were negligent and it even appears a Chase employee was apparently involved. CHASE responds the same language " we confirmed the caller was properly authenticated '' .. CHASE does NOT provide ANY PROOF. That is a lame response. I want voice recordings, how did CHASE " confirm '' if you do not have a voice recorded conversation. We filed police reports as this was A THEFT and FRAUD incident. Chase is just sweeping the issue under the rug and making us responsible for their own negligence. Depositing on 3 repeated occasions funds into an account WITHOUT APPROPRIATELY VERIFYING. YOU SHOULD HAVE IMMEDIATELY CALLED THE ACCOUNT HOLDER. ESPECIALLY AFTER THREE FRAUDULENT CALLS THAT A DEPOSIT WAS MADE AND FUNDS WERE NOT REFLECTED. REALLY, THREE TIMES!!! AND CHASE DOES NOT CALL????? 

NEXT, MY DAUGHTER WAS NEVER ON MY OWN ACCOUNT from which you removed funds to cover the overdraft caused by Chase negligence. How can you take funds from someone else 's account to cover the shortage when she is NOT listed on this account. ALSO, I AM NOT LISTED ON THE STATEMENTS. CHASE personnel would NOT SPEAK TO ME WITHOUT my Daughter 's authorization on this issue on HER ACCOUNT. CHASE WRONGFULLY removed funds from my account. CHASE owe 's me {$2800.00} that they incorrectly and unjustly took from my account to cover their OWN ERROR and NEGLIGENCE!!! If anything I was a custodial guardian on the account until she was XXXX. After which the account became hers and all statements sent were addressed ONLY to HER NAME. MY STATEMENTS were addressed SOLELY TO MY NAME!!!! 
CHASE needs to provide the voice recording of the caller. PROVIDE PROOF of how they can CONFIRM they AUTHENTICATED the THIEFS who called. Chase responses are very vague and are only trying to get away with having their customers pay for THEIR OWN PERSONNEL 's BLATANT ERRORS and NEGLIGENCE!! CHASE assisted a THIEF to commit a fraudulent crime with a debit card because THEY DID NOT Properly identify a caller. What bank in their right mind deposits {$2800.00} to an account just because someone calls in to claim their deposit was not reflected???? 
Chase is NOT owning up to their negligence and putting the burden of proof and burden of loss of funds on the part of their customer who was a victim of theft and fraud!!!!!
Consumer complaint received 2022-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I have sent multiple loan modifications to this company. I have sent one on or around XX/XX/2022, another on or around XX/XX/2022, another on or around XX/XX/2022 and a final one to both the attorney and XXXX XXXX on XX/XX/2022. 

They are misrepresenting the information I am sending, stating it is an incomplete package, even though I have sent all documents they have requested of me. My loan modification has been delayed for over 60+ days.
Consumer complaint received 2018-02-12
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. (CA)

According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
Consumer complaint received 2018-02-12
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. (VA)

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my TransUnion, XXXX and XXXX  reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Consumer complaint received 2018-07-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ).  On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They  have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX  partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. 

- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. 
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. 

I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: State Collection Service, Inc. (GA)

XX/XX/18 XXXX called the work place of XXXX XXXX from XXXX. XXXX then disclosed information to a co-worker. XXXX never should have called the place of employment much less disclosed information. After this she threatened XXXX by saying " now i know were you work AND where you live! ". These are not acceptable practices by a collection agency.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

Had case # XXXX vs XXXX Bank XXXX XXXX. I settled and paid through XXXX XXXX XXXX XXXX ( XXXX ). I paid an initial payment 0f {$1100.00} and then paid the rest os scheduled monthly payments through XXXX pay using my bank. Last payments finished on 2020. 
I have been receiving harassing paperwork from XXXX XXXX attorney at Law ( XXXX ) XXXX, duplicating case # XXXX and asking for {$4500.00}. which was already collected by XXXX XXXX XXXX XXXX. 
I went through my bank statements to ensure the payments were there. 
This is appalling and sad that we are letting these firms STEAL from every day people trying to make a living. I went through a hard time but did pay XXXX all that I owed. Why is XXXX XXXX trying to steal from my family. I fought for my country and would do it again in a heartbeat. 
Please help and correct/punish these individuals trying to take advantage of our systems.
Consumer complaint received 2018-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.