davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ad Astra Recovery Services Inc (IN)

I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

1. Billed ( included in mortgage ) unauthorized insurance coverage ( for home appliance ) 2. Inaccurate Statements ( monthly statements ) ; ignores repeated calls to address3. Transferred paid principal payments to supplement escrow shortage without notice or authorization. 
4. Unable to reconcile account statements, over {$1000.00} paid to Ocwen is unaccounted for. 
5. Very abrupt loan transfer to XXXX, without reconciling account ; as though to sweep this under the rug - I Need immediate attention to address this. There are outstanding issues with OCWEN and yet the loan servicing transfer to XXXX takes effect in XXXX days. 
6. Inaccurate tax return statements for ( 2014 ) 7. I believe my loan is being transferred as a move to hide or cover-up these concerns that I have now repeatedly reported up their chain of command. The CEO, COO, CFO and Chief Legal Counsel are aware of these challenges and have turned a blind eye
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SecurityNational Mortgage Company (NV)

Beside usual escrow payments like property taxes and homeowner 's insurance my lender included in the escrow account some supplemental payments like XXXX XXXX XXXX XXXX XXXX XXXX. I was billed for XXXX by the city and paid it by myself. Then I have recognized that my XXXX account is negative ( overpaid ) while I am short with my escrow account. As a result, my monthly mortgage payment increased and it seems that I just lend money to the mortgage company. All my attempts to talk to the customer support ended with their promise to move my request to the proper department, but no one came back to me whatsoever.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the issue.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Checking Account at Bank of America. My account was overdrawn for a period time, approximately XXXX weeks. Bank of America recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Bank of America attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Bank of America proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Bank of America closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Bank of America had simply informed me of their intentions I would have worked to rectify the problem.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately XXXX XXXX, I went into Bank of America, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their " taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
XXXX XXXX
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on this matter
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I expressed my frustration with trying to get Bank of America to honor this agreement with your office. I am writing this letter because I have fought and fought to save my home. Bank of America and its attorneys have refused to offer me an affordable modification under XXXX, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on XXXX XXXX XXXX a ( XXXX ) to transfer my interest in the mortgage and note to the XXXX XXXX, yet Bank of America has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court want to dismiss the action saying that do n't have to honor the Federal Consent Order. I have went as far to seek relief in the XXXX XXXX of Illinois the case was transferred back to State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller?
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I received a notice requesting payment from SOUTHWEST CREDIT SYSTEMS on behalf of XXXX for account XXXX/XXXX/16. 

I made payment XXXX/XXXX/16 under the false representation from SW Credit that the debt would be cleared with the original creditor in 3 business days. 

XXXX/XXXX/16 I contacted the original creditor and was told by them the collection agency has not cleared the debt. 

XXXX/XXXX/16 I contacted SW Credit systems and was told by employee XXXX that a mistake was made on their end and they would contact the original creditor and promised it would be cleared in 2 business days. 

XXXX/XXXX/2016 contacted original creditor and was advised the account still was not cleared. Called SW CREDIT spoke to employee XXXX again who advised it would take 2 more business days to clear but on that day he would send me a settlement letter via email. The same email address I received the request for payment XXXX/XXXX/16. 

XXXX/XXXX/16 I received an email from original creditor that the debt was still active in their records. I also never received the settlement letter from SouthWest Credit that I was promised on XXXX/XXXX/16.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX Also, all XXXX accounts have the " SAME NUMBER '' Please Remove ASAP
Consumer complaint received 2024-10-03
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 EXPERIAN 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.

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. 


EXPERIAN 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 2016-05-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Every time I check my credit report, I am continuing to see more loans with high amounts under now a company called Navient. Every call I make never seems to be documented. No one can ever give me straight/accurate answers as to why I have so many different loans. Nor are they able to address why these reported loans are so high. This is a serious issue and obviously their carelessness is affecting my credit score negatively. I really need help with this.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed XXXX accounts with Transunion credit bureau that were obviously placed in my credit file in error. I received an updated credit report dated XX/XX/2017 that advised me that XXXX Ref # XXXX was deleted and XXXX Acct # XXXX was also deleted the information also showed it was deleted from viewing my account in credit check total. 

Now today a little over a month later both accounts have be re-inserted to my credit which has caused my credit score to drop and ruined my chances of having a loan that i had applied for being finalized.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX 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 2016-09-30
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Debt was charged off, not paid. This company, Portfolio Recovery Associates has been harassing me about debt from XXXX years ago, claiming I owe them nearly {$7000.00}. The card that the debt was on was charged off and I took the hit on my credit and worked through it. But the debt has dropped off and has been a non-existent debt since ... We are well beyond the Oklahoma Statue of Limitations. Yet the company has continued to harass me via phone and letters to try and collect this bogus debt. 

Many years ago, I did not know better and answered the phone. They threatened me and harassed, so I changed phones and then blocked their calls. I have been holding onto the last few years letters they send to back my the harassment claim. 

The amount they claim I owe is more then XXXX times what was owed and charged off years and years ago. 

Recently a woman in Missouri sued them and won a huge settlement. I just want them to stop and pay me for the time wasted, the harassment and the mental anguish this ordeal has caused. Looking online you find literally XXXX of others who say the same thing and yet this company is still in business. How is that even legal?
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc. (IN)

I have stayed in complete contact with the company. I do owe {$1700.00} and I've paid to where I owe {$1300.00}. I am having financial difficulties and I'm trying to make the paymens. I've have been threatened numerous times. They initially stated they would take us to court to sue us, they've also stated garnishment of wages. Then the person I'm working with literally states that she ever said anything to me. I'm so upset and over them threatening me. I would like to have this situation looked into.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Privacy — 
Company: Bread Financial Holdings, Inc. (IL)

I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Recovery Management (TN)

This is a medical bill ( 2010 ) that was filed under Chapter XXXX Bankruptcy in the amount of {$130.00} for XXXX Specialists in which the creditor did not file a claim. XXXX shows this medical bill ( 2010 ) in the amount of {$73.00} for XXXX XXXX XXXX XXXX ... .this is the same place. I have called and talked with XXXX about this medical bill. She informed me that there is no balance on my account and that XXXX Specialists did all of the XXXX procedures in the XXXX center at the same address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX TN. At the time of my procedure it was all XXXX in the same, until they went through transition with another medical center. The creditor did not file a claim with the courts when they held a meeting of all creditors. Since this time they have been bought out by several hospitals and there seems to be no balance showing under my name.