davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (MI)

I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.
Consumer complaint received 2015-11-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC (CO)

Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.
Consumer complaint received 2016-03-15
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In an attempt to collect from us, when we were in dire times, they called the home of my husband 's ex-wife and spoke to her husband about our delinquency and the fact they were trying to collect our late mortgage payments. This was Bank of America
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. 

I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C. (NJ)

they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I am an alumnus of XXXX University as of XX/XX/XXXX. During my collegiate career, I struck hardship and had to result to borrowing from private loan lenders to pay for my education. Now, less than a year after graduation, I am in the repayment process. The bulk of my private student loans come from Navient and XXXX XXXX. Navient has been unable to assist my cosigner and myself in being placed on an affordable repayment plan. With a monthly payment of {$830.00} from Navient alone we are unable to fulfill the payments. I recently ( XX/XX/XXXX ) spoke with several Navient representatives, including management, to lower my monthly payment with no positive outcome. I understand that federal student loans have many more repayment options than private lenders ; however, there needs to be some cooperation in the repayment process. It 's extremely hard to begin or elevate a career when you are in so much debt that it is crippling to your ability to grow financially.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OR)

Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure, I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones, this makes absolutely no logical sense. This seems almost retaliatory and capricious in nature.
Consumer complaint received 2015-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have an XXXX loan from th XXXX. It started with XXXX then they turned it over to XXXX. A few years ago the loan was turned over to Nationstar and that is when all the trouble started. They told me when the loan was set up the taxes and insurance were taken out of the payment. The payment was always XXXX. When it went to Nationstar we paid insurance and taxes thru XXXX XXXX XXXX. This seems to me to put more on the principal than the way it was set up. I have made the payment every month to Nationstar, every month {$1800.00}. They change the payment amount, they added an escrow account, paid taxes once and then returned the money. My loan has never gone the way it should. My husband and I are in our XXXX, neither XXXX of us are in good health. XXXX months ago my husband was on XXXX. I do n't know what to do anymore. They have ruined our credit rateing. I have spoken to them for years about this loan and another smaller loan that is also from the XXXX, and also had terrible problems. This has been going on for years. I have faxed them my bank statements to prove payments were made. I have sent paper work. So far my bill if up to over XXXX in faxing and mailing paperwork. I speak to someone that understands and agrees then it all happens again. It is like they figure it out but no one writes it down or lets anyone else know about the outcome of our understanding. Please tell me what I can do. I just sit here and cry at times I am so frustrated. Please tell me what to do now. I recently received and letter asking me if I had an attorney. Maybe getting an attorney is the only answer.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC (TX)

Enhanced recovery Has put a debt back on my credit report after Settling XX/XX/XXXX. For a debt that was NOT mine. I have attached the settlement letter for {$1500.00} They are also calling me on my cell after stating to them I have settled and I am on the DO NOT CALL list. The lady on the other line stated that NO such list exist. 

Also not only are they trying to collect a debt that has been settled it is also NOT reflecting that it is dispute on credit report This is reporting on XXXX & XXXX. Would like this item removed IMMED.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge past due fees that exceed the amount of the payment due and jack-up the interest rates. I believe that they are violating the law on several points and have cost me large amounts of money as well as aggravation.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (CA)

In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2015-05-24
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (MA)

I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

Chime decided to cut my account off at XXXX  on XX/XX/XXXX with only 12 hours notice ( an email I didn't see because I am sick ). They are upset that I made a transfer from my XXXXXXXX XXXX to Chime and it was taking almost a week to show up. The money was gone from XXXX but Chime had it sitting there as " processing ''. I thought I made a mistake so I did it again and the same thing happened. I called XXXX and they put a reversal on the payments so my money was not sitting there unclaimed somewhere and were going to try to figure it out but Chime immediately cut me off. This effects EVERYTHING. All the money I had on Chime will be mailed to me " within a month ''. Money people owed me to be credited back to Chime will now be held up for weeks. I have NO MONEY. My next XXXX check was due on XX/XX/XXXX but when I contacted social security they said the soonest they can start my payments again is XX/XX/XXXX. TWO MONTHS WITH NO MONEY? I am a new Chime member and one that intends to spread the word every where I can. You won't even let me know what the problem is. I am assuming it's the {$47.00} with XXXX. You are a terrible institution.
Consumer complaint received 2016-01-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services (NJ)

I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (FL)

I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp. 
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else. 

I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency. 

I have not tried to call them because of all the horror stories on the consumer complaints website. 

It was recommended that I start here first. Can anyone help me with this.
Consumer complaint received 2015-11-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Atlas Collections Inc. (of New Castle) (IN)

On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (PA)

on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report