davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Massachusetts Educational Financing Authority (CA)

I 've had a private loan serviced through ACS, and they recently increased my monthly payment without notice. My monthly payment had been {$290.00} a month, and it just recently increased this month to {$460.00}. I can not make the original {$290.00} payment each month, having to make installment payments twice a month to keep up, and now they 've raised the payment out of the blue. I have been lied to, harassed, and threatened with litigation repeatedly. Please help me deal with this predatory company. I have submitted complaints about this company before to CFPB and nothing has happened, but they continue to charge me more money each month, which I was never notified about.
Consumer complaint received 2015-10-05
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MA)

Western Union is denying money transfers services between myself and XXXX XXXX in XXXX. The money that I transfer is from Social Security and part-time employment as a Customer Sales Associate for XXXX XXXX XXXX in XXXX, XXXX. All money transfers that I send are intended to pay for rent, food, medical care and comfort for XXXX, my XXXX yr old biological son, XXXX XXXX XXXX XXXX and her XXXX yr old daughter XXXX XXXX XXXX. My intent is to marry XXXX. Our XXXX Attorney was not able us annul so I unknowingly left XXXX XXXX pregnant in XXXX and returned to XXXX to for XXXX Immigration, and Legal Help needed for money, healthcare and legal representation so we can marry ...
Consumer complaint received 2015-08-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recently went to get an account open at a bank and i couldnt because something came up on the XXXX. I looked it over and i saw that a bank reported that account for fraudulent activity. At the time that wae goin on I called them immediately after I found out my card was no longer in my position. So they questioned me and they started the investigation. They said I would receive a mail which i did not. I just let it go buy. Now 2 years later I 'm stuck with it. What do should I do?
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Luckmore Finance (LA)

I have been getting repeat phone calls from a debt collector. They call me at least 6 times a day, send text messages and even call my friends XXXX references XXXX as well. They have threatened to report me to the news media and threatened to give my information over to a team of lawyers I guess they deal with. I even tried making a payment thinking that would help but it did n't, they started calling me two days after I made a payment and arrangements. This ordeal has been a nightmare because I really feel like im being bullied.
Consumer complaint received 2024-08-09
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. (TX)

I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as " charged off '' as of XX/XX/year>. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in TX.

Late Payments : Previously Reported : The report details late payments. 
According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information.

Based on the inaccuracies above, l demand the complete deletion of this XXXX XXXX ACCOUNT from XXXX  credit This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable.
Consumer complaint received 2015-06-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.
Consumer complaint received 2015-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: AMERICAN EXPRESS COMPANY (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (UT)

XXXX XXXX/Global Credit work together, at least at times. XXXX or all of these XXXX ( I believe XXXX XXXX ), submitted my name to the XXXX credit bureaus as a negative " no payment ''. All XXXX credit bureaus now have a negative report on me. This is completely unfair and incorrect & below is why : Either someone has fraudulently opened a XXXX card in my name or XXXX XXXX/Global Credit has improperly done due diligence. About a year ago, a XXXX credit application was opened in my name. A small charge of {$38.00} was made. And for continual months thereafter - the XXXX bill was sent to another city with a different zip code! Thus, I never received a bill, and thus I never even knew a bill was supposedly due. Fast forward till now. I do a credit report and find out that my credit is tainted, and at all XXXX credit agencies. I call around & find that Global Credit has been in charge of collecting. But, they have NEVER called me, and I have never received a bill! I 've called ( beginning in XX/XX/XXXX ) Global credit and requested original credit application documentation, and continued calling them every XXXX weeks, and as of yesterday XX/XX/2015, they still do NOT have any supporting documentation of the credit card application. They have also confirmed to me that this XXXX bill was sent to a different city & zip code and NEVER to my address. Yet, in spite of never sending any bill to me, to pay, evaluate if mine, etc., they have gone right ahead & posted a negative credit rating XXXX all three credit agencies )! This is outrageous. You see, supposedly this account is registered in my name. But with a different city & zip code. Hence, I 've NEVER received a bill. Yet, they 've had the audacity to file a negative credit report against me - when this account is either a fraud account or has been mistakenly ( on their part ) mailed incorrectly to some other location and city. And the original bill was only {$38.00}! My credit history has been impeccably kept amazingly excellent over the years. I ALWAYS pay my bills and on time. But, I do n't pay for others ' bills, or for bills which I know nothing about, as I never receive a billing notice. Anyway, I 'll not quit till the XXXX credit reporting agencies have all cleared my credit history. And, I will demand from XXXX/XXXX/Global Credit a letter of apology, as they have done a huge mistake and error in judgement. Anything short of this, will result in legal recourse.
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC (CO)

In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (MO)

After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (OK)

Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.
Consumer complaint received 2015-06-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-03-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Patient Account Services, LLC (AZ)

Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything.
Consumer complaint received 2015-05-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central Portfolio Control Inc. (FL)

I would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts!