davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (VA)

I pulled my credit report today to see if my score had improved based on recent payoffs ( as I am in the process of buying a home ) and come to find out my score had declined significantly. As I clicked through to understand what had caused my score to drop, I saw for the very XXXX time in my life, an outstanding balance of {$49.00}, reported by Trinity Asset Management llc. There is no information about where this " balance '' originated from what so ever. I have never once received any mail, calls, or emails regarding this " debt '' or " overdue '' account. I believe this to be a fraudulent claim and would like to request an investigation to validate that this is indeed not a legitimate claim. If at all possible, please handle this claim with a high sense of urgency, as I will not qualify for my home loan if this does not get addressed and removed form my CR ASAP. I appreciate your help and consideration. If you need to reach me for any reason, please call me at XXXX at any time. Thank you, XXXX
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ID)

Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different?
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

GREETINGS TO YOU, XXXX XXXX XXXX REGARDING THE ABOVE CASE NUMBER, I SENT TO THE FEDERAL TRADE COMMISSION AN ID THEFT MATTER REGARDING XXXX ON MY CREDIT REPORT 3 WEEKS AGO. 




REGARDING EQUIFAX , XXXX AND XXXX, I REPILED TO THE FEDERAL TRADE COMMISSION. 




I PLEASE NEED FURTHER ASSISTANCE WITH THE CREDIT REPORTS ABOVE AND YOUR SENT TO THE FTC. 




I WILL RETURN A CALL TO YOU OFFICE AFTER THE FEDERAL GOVERNMENT HOLIDAY. 




RESPECTFULLY, XXXX XXXX XXXX
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (PA)

I purchased a new vehicle from XXXX XXXX in XXXX PA on XXXX/XXXX/16. When we did the loan information we got the payoff of my vehicle from Honda Financial Services which totaled {$12000.00}. I received a letter from Honda Financial Services on XXXX/XXXX/16 that my account was paid in full and I received a check for {$8.00} due to an over payment. Now on XXXX/XXXX/16 I received a call from Honda saying that my account is owed {$800.00}. They had a system error that caused a payment I made to be put on the system twice. They reversed both payments and now I owe that money. My understanding is that if the account is paid off it should include all payments owed on the vehicle and I no longer have possession of the vehicle. Due to their system having the issue I do n't feel that it is my responsibility to owe this money and I do n't want it to effect my credit.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Had a account with XXXX over XXXX years ago ... have not had XXXX since XX/XX/XXXX-XX/XX/XXXX lost job request cancellation of service ... .went away than reappeared stating account was open XX/XX/XXXX which is untrue and collection agency XXXX XXXX is try to treat this like a new debt not one that is past the time limit ...
Consumer complaint received 2024-08-14
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. (FL)

I called Experian to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also attached my credit report and letter showing that experian is in violation of the FCRA
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC (NC)

I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aldous & Associates, PLLC (FL)

I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!
Consumer complaint received 2016-02-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Mid-Atlantic Consumer Services (CA)

This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (UT)

I have been fighting with ocwen for 3 or more years to get a modification last year ocwen gave us a trial modification so on XX/XX/XXXX we paid them XXXX then on XX/XX/XXXX we paid them XXXX and again on XXXX of XXXX before XX/XX/XXXX we start getting letters that we did n't pay so I call them and the person I talk to tells me I have to talk to my relationship manager so I make an appointment no one calls this has been going on for a year now I have a sale date on my house and I finally get some one to talk to me a week before the sale date they claim they never got to payments so I send them the bank statements they say they will investigate it well now my sale date is 3 days away and I log on to there Web site and on XXXX/XXXX/16 they say I do n't qualify for the modification so how is it that I hold up my end of the deal and they say I do n't qualify?? They are a rip off so If I want to keep the home I have to file bankruptcy or just walk away from the home what are people that ca n't afford an attorney supposed to do
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to deposit {$100.00} dollars ( XXXX XXXX ) cash at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the teller receiving the deposit request my Driver License so she could swipe it to which I responded with a NO because I did not think that it was proper for the Bank to obtain my personal information which is encoded in my Drivers License, besides I was making a deposit on someone else 's account NOT my personal account. She refused to take my deposit After I said No the teller told me that the Bank was required by the Internal Revenue Service to request such information from anyone XXXX depositing cash no matter the amount to which I responded that the Internal Revenue Service requires additional information when the deposit is {$10000.00} dollars or more in cash She sent me to speak to a customer service agent which I did I received the same response Bank of America will No accept my cash deposit of {$100.00} dollars cash unless I am willing to provide them with my Drivers License so that can register my information. 

I know what the Internal Revenue Service requirements are as to cash deposits and I find it unbelievable that Bank of America is using the IRS name to collect private information If I am correct with my assertion I respectfully request that you send Bank of America a Cease and Desist letter so that they stop using the Internal Revenue Service as an excuse to collect private information.
Consumer complaint received 2024-10-07
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (WI)

I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (UT)

A debt collection company keeps calling me about an outstanding medical bill. They never tell me which company they are with. I have told them numerous times that they may not call me when I am at work and that they must call me after XXXX so that I can be off work when they call. They are still calling when I am at work and will call me XXXX times daily. I have told them I would be happy to pay the bill if they would mail me a settlement statement or some kind of paperwork saying the total will is all I owe and once I pay it will be paid in full. They are refusing and keep saying me they will send me a paper statement but I never receive one. They keep trying to coax me into paying over the phone. I told them I would be happy to send a check in but that I will not pay over the phone. They get mad and keep insisting I set up a phone payment for a later date. They still will not send me any kind of settlement papers or even a statement. I just got another call today while I am at work. They said they wo n't call me until after XXXX anymore but they keep calling before XXXX anyway. Usually around XXXX but sometimes early in the morning and sometimes at XXXX. They are not making it possible for me to pay them with a check and will not stop calling me multiple times a day. I am fed up and want to get them out of my life!
Consumer complaint received 2024-09-19
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX