davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

My TRUIST credit card ending in XXXX was cancelledDue To Fraud More Than 2 Months Ago.ToId I would Receive New one. Never Did! Talked With Fraud Dept.And Disputed Numerous Charges ... Told {$900.00} To Be Removed From Bill AndFurther fnvestigation Of Charges Underway.Received Repeated Notices of Late Payment Due.Went To Local Branch More Than Once.They AIso Spoke To Fraud Dept.I Was Given Assurances ThatAdjusted/Corrected Bill And New Card Woutd Be Sent.Never Received Replacement Card.Did Not Receive Adjusted Bill! Received Bills Via Email Re : Original Card Ending XXXX & Cards Ending XXXX & XXXX which I Never Received.Spoke To Fraud Dept. Again & Agasin! Received Letters Stating $ XXXXPlus Late Charges & Interest Due = BOGUS! Closed Account! Cancelled Credit Card ( s ) .Sent Letters To TRUIST President, Executive In Charge Of Consumer Relations, Credit Card Srvices , & Corporate Headquarters : No Reply! 
I Will Not Pay! 
FRAUD! 
!! 
I've Had Enough Of TRUIST BAD Business!!! 
Sincerely, XXXX XXXX, XXXX SS # XXXX
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Envios de Valores La Nacional Corp. (NY)

XXXX XXXX initiated a money order transaction on XX/XX/XXXX, amounting to {$100.00}. However, the money order went uncashed due to the closure of the intended recipient 's office. Despite this, the post office has not returned the money order. As a result, " XXXX XXXX '' is now faced with the task of issuing a refund, necessitating either the presentation of a valid receipt or the cancellation of the money order to reclaim the funds. Unfortunately, efforts to communicate with the agency have been marked by repetitive and unproductive interactions, leading to frustration.
Consumer complaint received 2023-12-04
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. (CA)

EXPERIAN CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OR)

I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.
Consumer complaint received 2016-02-06
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Navient is calling me up to 6 times a day, starting at XXXX am. I am a cosigner for my grandson 's student loans. The debt collectors are very rude, will not let me talk without interrupting me. I have asked them to not call me as frequently as they are but they tell me they can call me up to 8 times a day and it is legal. I am XXXX years old and just had a XXXX XXXX and am XXXX XXXX. I have told them this and it has not made a difference. Thank you for your help with this matter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the numerous attempts I have made to correct the issue of late open accounts associated with Credit Bureaus. 

Over the past, I have made several attempts to address the matter of late open accounts, but unfortunately, the issue persists. Despite my efforts to resolve the situation through various channels, I have not received a satisfactory resolution. The persistence of this problem has caused me significant stress and inconvenience. 

To provide context, I have diligently followed the recommended procedures outlined in your customer service guidelines and have communicated with your representatives on multiple occasions. However, despite my best efforts, the issue remains unresolved.

I have attached copies of the correspondence and documentation related to my attempts to rectify this matter. This includes reference numbers, dates of communication, and any relevant screenshots or statements that may aid in understanding the gravity of the situation. 

I understand that oversights can occur, but the continued presence of late open accounts on my account is unacceptable. I urge you to conduct a thorough investigation into this matter and take immediate action to rectify the situation. Additionally, I request that you provide me with a detailed explanation of the cause behind the recurring issue and assurances that steps will be taken to prevent its recurrence in the future.

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant consumer protection agencies and consider legal action to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates (MD)

XX/XX/XXXX  noticed an entry on my credit report from Lewis McDonnell & Associates for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted Lewis McDonnell & Associates via phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  called Lewis McDonnell & Associates to inquire about letter XXXX still have not received debt validation
Consumer complaint received 2023-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

I sent West Lake Porfolio, who took over US Auto car loans, a copy of my credit report showing the car had been paid off since XX/XX/2022, ( well before they received US AUTO ACCOUNTS ) no response from them after several emails to them explaining such. They have repeatedly called requesting payment and has added the account back to my credit report. Further I told them to stop calling me, for I had an attorney who referred me to you. They repeatedly called me. US AUTO was involved in a lot of fraud being investigated by the TRUSTEES OF THE BANKRUPTCY COURT FOR SUCH. I do not owe this debt, and I would like this matter resolved. W.L.P. is asking for proof that it was paid off. However, it was 2 years ago and US AUTO NVR GAVE ME ANYTHING- just a call stating it was taken care of, and removed from my credit report as they stated they would. This car was stolen, totaled and sold at an auction
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

I made an online payment for a XXXX credit card balance of {$32.00} from my Wells Fargo checking account. The amount was deducted from my account per my monthly statement. XXXX claims to have not received the payment snd proceeded to charge increasing late fees and eventually cancelled the credit card. This has now resulted in a substantial drop in my credit score. Three months of trying to get Wells Fargo to investigate snd resolve the problem has been completely ineffective. All Wells Fargo has done is assign " case numbers '' to three separate attempts to get this resolved but no one has done anything.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp. (MO)

Email received on XX/XX/XXXXXXXX  : Hello, XXXX XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You have an account with XXXX XXXX XXXX. The original creditor was American General Financial Services with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX 
As of XX/XX/XXXXXXXX  you owed {$370.00} Between XX/XX/XXXXXXXX  and today You were charged this amount of interest + {$54.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now $ XXXX- This debt was settled in bankruptcy and is no longer owed. They attempted to have me sign a document that is from the lender but I refused. Please assist me in any way you can to make this stop. Thanks
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (PA)

The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.
Consumer complaint received 2016-02-03
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (OH)

My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to bring to your attention some inconsistencies that I have identified in my personal credit report. These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. While I understand that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. The other bureaus have already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've invested significant time attempting to close a fraudulent business account at Bank of America. Despite the bank acknowledging the fraud and promising closure, they've clung to the account for months. Shockingly, Bank of America appears to be pressuring additional information from us and other victims, a demand not mirrored by other banks in similar circumstances. This insistence raises concerns about whether BOA collaborates with hired fraudsters or exploits fraudulent accounts to potentially inflate legitimate BOA account numbers, thereby defrauding BOA investors. It's a deeply troubling business practice.
Consumer complaint received 2015-07-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

You are awesome! You helped me refinance with my mortgage company!! 
The mpi or pmi dropped after the refinance. Is there someone who I could contact in regards to lowering my insurance premium with a fha loan. Any help you can give me would be appreciated. 
One more thing. I make advance principal payments after I pay my mortgage and some how a payment ends up in escrow! I have spoken with my finance company before about this. Several times actually and to no avail they continue to put extra payment in escrow! 
Thank youXXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Atlanticus Services Corporation (MI)

XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

Over the past several years, I have sent numerous letters to Central Financial Control in XXXX, XXXX requesting evidence of an unsubstantiated collection they placed on my Experian credit report. 

Central Financial Control has ignored every letter I have sent them. Although they have ignored my letters, they had no problem verifying the unsubstantiated collection when I have disputed the account with XXXX. 

I have reached out to the CFPB in the past. On XX/XX/XXXX, my story about Central Financial Control was published on the CFPB website and I see that it is still listed on your XXXX XXXX article. I was notified XX/XX/XXXX that the CFPB had taken action against Central Financial Control for failing to send debt validation notices and for failing to respond to consumer disputes. I was told that consumers who have been mistreated by Central Financial Control would be identified per the order by the CFPB. I was also by the CFPB that I would finally receive a response to the many letters that I have sent over the years. This has not happened and it 's been over a year now since the CFPB took action against Central Financial Control. 

I sent my letters via certified mail so I have proof they were received. I can provide the CFPB with all the documentation I have kept which includes certified letter receipts, credit report disputes with XXXX and proof that Central Financial Control verified with XXXX while never responding to me. Because this has gone on so long now, I have filed complaints with the FTC, and the Attorney General of XXXX and XXXX. 

Using credit reporting as a tool to collect an unverified debt is very unfair treatment. Nobody should have to find out that they have been accused of owing an alleged debt by finding it on their credit reports. It 's so embarrassing because I pride myself on paying all of my bills in a timely manner. Other than Central Financial Control, my XXXX credit report is perfect. 

Put yourself in my position for one second and think about how you would feel if you had spent your entire life working hard and paying your debts and then reviewing your credit report and finding out that you are being accused of owing a debt that you were never notified of. It is a horrible feeling that I can not properly describe. I feel that I have been more than patient. My prayer is that this horrible situation can be handled in a quick and civil manner.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I had a buy now pay later loan with XXXX  I lost job couldnt pay the account went to collections. I paid the collection amount in full and still as of XXXXXXXX24 it shows on credit report I owe even tho I have contacted XXXX  and the collections company with documentation proving collection was paid they will not update reports l
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three Equifax and XXXX XXXX I was asked to send in my personal information from Equifax. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..