davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clark County Collection Service (NV)

Clark County Collections has reported to the credit bureaus a derogatory account dated XXXX/XXXX/11 in the amount of {$1100.00}. According to information obtained through internet search, this agency collects on unpaid medical accounts. Not only have I kept continuous medical coverage, I have not received any notification of unpaid debt to a provider for medical care. I also have not received any correspondence from Clark County Collections. Additionally, I did not receive any type of medical related service on the date reported by the agency. 

The unpaid debt reported by Clark County Collections has made it difficult to obtain necessary medical care and they have falsely tarnished my creditworthiness. They have failed to provide sufficient documentation pertaining to their reported debt and have made it impossible to have the incorrect information removed from my credit reports.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I had to use Wells Fargo several times to cash a tenant checks or a state checks. I would dread going to the branch because they would always give me a hard time about not having an account. They would come up with excuses why they could n't cash my check, requesting my finger print each time. Two of those many frustrating bank visits I was told to just open an account to make my check cashing process easier. Twice I had a checking opened for me and I think a savings account as well. I told them I would never use their bank because their hours of operation were not convenient for me. Each time I opened these wells Fargo accounts and deposited money ( about {$50.00} each time, thank XXXX I followed my gut. I lost most of my retirement money with XXXX, NOW THIS? ) within months these accounts were closed BY THE BANK with a {$0.00} balance because the bank depleted my bank account with their ridiculous fees. Feel free to check it out. I never liked or trusted Wells Fargo. XXXX XXXX should also be investigated.
Consumer complaint received 2016-04-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

IM RECEIVING LETTERS OF INTENT OF FORECLOSURE FROM MY MORTGAGE COMPANY AND IVE MADE MY PAYMENTS I HAVE MADE THE LAST 2 MONTHS OF PAYMENTS AS PARTIAL PAYMENTS BUT THE WHOLE AMOUNT FOR EACH MONTH HAS BEEN SENT TO THE MORTGAGE COMPANY. EVERYTIME I CALL THEY TELL ME THAT THEY DONT SEE WHERE IVE MADE A PAYMENT BUT I KNOW THEY RECEIVED IT BECAUSE IT HAS BEEN TAKEN FROM MY CHECKING ACCOUNT JUST LIKE IT ALWAYS HAS SINCE MY LOAN WAS SOLD TO THEM. THE MORTGAGE COMPANY HAS SENT SEVERAL CERTIFIED LETTERS OF INTENT OF FORCLOSURE AND HAVE HAD A CONTRACTED PERSON COME TO MY HOUSE AND SERVE PAPERS AND WANTING TO TAKE PICTURES OF MY PROPERTY. IM NOT EVEN A MONTH BEHIND ON MY PAYMENT SO I DONT UNDERSTAND WHY ME AND MY FAMILY ARE BEING HARRASSED LIKE THIS.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2016-12-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates (GA)

I continue to get inappropriate calls from Creditors Bureau Associates of Georgia after I have made numerous electronic payments to pay towards and/or settle the medical debt owed. The agency continues to call requesting sensitive information ( i.e. social security number, mom 's last name, etc. ) after I have requested them to send me information via mail. My payments have been returned after two attempts to pay. I have also called and received inappropriate attitude from the collections specialist after I repeatedly explained that I wanted to pay the debt owed based off my financial capability. The specialist offered to settle the payment and I accepted based on the conditions that the settlement is sent to me in writing ( via mail and email ). To date, XXXX XXXX, 2016 I have not received a letter or email. So, to continue showing that I want to pay the debt, I continued to make payments and the company continues to return the payment. I have sent written correspondence to the company stating that I have only afford to pay them a set amount of {$25.00} a month on a medical bill that is less than {$1000.00}. 
I am still receiving nonstop inappropriate calls.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

for one, they ALWAYS autodial my call, never state who they are until i give in and give them personal information. If i ignore the call on my cell phone it redials immediately so that they are calling me within seconds of hitting ignore. I have no Idea how they do this but it happens everytime, the only way to get it to stop is to turn my phone off by removing my battery ( includes remiving a difficult to remove protective case ) or by answering. Whne I expressed that it is illegal to use an autodialer system on a cellular phone line the representative told me " thats your problem '' I informed him of the law, he said " it is a system used to call you '' then when I talked about the harrassing calls he stated that they are allowed to do this. I know my rights you can not call me 20 times back to back to back if i ignore or do not answer the call. <P/>also to get them to identify who they are is like pulling teeth. wont tell me who they are or who they are with unless i agree I am who I am and other information. Information I do not feel comfortable giving over the phone to someone who calls me
Consumer complaint received 2016-04-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-09
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. (VA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/year>
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
<P/>
Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
<P/>
I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
<P/>
I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
<P/>
I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
<P/>
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
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. (MI)

I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.
Consumer complaint received 2017-01-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Bank of America should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Bank of America since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Bank of America customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Bank of America should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc.
We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed.
By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment.
She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month.
I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything.
Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000.
She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages.
On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: The Best Service Co.,Inc (CA)

Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (PA)

This agency continuously calls me at work even though they have been told numerous times in writing they are not permitted to do so. They are also well aware this debt is not valid. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is a blatant violation of FTC laws. A quick search of your records demonstrates this company has no problem disobeying your rules. They need to be shut down.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from Portfolios recovery trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to file a personal complaint regarding my credit record. Upon review, I discovered late payments that I dispute. I sent correspondence about this issue over 30 days ago but have received no response, nor have I been provided with satisfactory validation of these late payments. I am seeking your intervention to resolve this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1400.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!