davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HONOR FINANCE, LLC (AZ)

Honor Finance has been calling repeatedly ... several times a day for several weeks now. I have asked them over and over to stop calling. 

I do not owe them money. I do not have debt with them. I have never carried debt with them. I have no relationship with this company. They have absolutely no reason to be calling me. Honor Finance is harassing me because a friend listed me as a reference at some point ( without my knowledge ) and she owes them money. They know where my friend is. They know her phone number and her address. It is not my responsibility to collect a debt for them. 

I want these calls to stop. This is not okay. They have called from several phone numbers on multiple occasions, and I will continue to delete their threatening messages and block every single number they call me from. The most recent contact ( after multiple requests for them to stop calling ) was XXXX XXXX, XXXX, at XXXX a.m. (!!!!!! ) from XXXX.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease ( XXXX/XXXX/XXXX ) UNTIL first late payment ( XXXX ). So .... from ( XXXX ) to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} ) x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} ( amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/2018 {$0.00} I disputed all the Incorrect Information reporting on my credit profile, I asked them to remove all misleading information. Experian responded back with incorrect still in my credit profile.
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. 

Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. 

Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. 

To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. 

PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. 

I believe this is an intentional delay by PNC and they have are providing us bad faith.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MN)

I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

Ive been disputing this collection account for months now, I asked national credit systems to validate the debt, they only sent a lease agreement. Nothing showing that are able to collect this debt, meaning that the debt was assigned to them, nor does the XXXX that they sent me include the amount owed thats being reported. They are reporting that I owe is XXXX. According to collection laws If the debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Modern Adjustment Bureau (CA)

XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Consumer complaint received 2024-10-24
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. (NY)

I am writing to dispute the charge-off listed on my credit report under XXXX  XXXX XXXX XXXX According to my records, this charge-off is inaccurate for the following reasons : The creditor or collector failed to follow proper debt collection laws, such as the Fair Debt Collection Practices Act ( FDCPA ), including harassment or failure to validate the debt The debt does not belong to you, or you have no knowledge of this account I respectfully request that you review the account details and provide any documentation that supports this charge-off. If you are unable to validate the charge-off, I request that the item be removed from my credit report immediately. 

Please inform me of the outcome of your investigation in writing. I expect a response within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OK)

I HAD MY ID STOLEN EARLY   XX/XX/XXXX  AND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER, CHASE CREDIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS  XX/XX/XXXX  AND  XX/XX/XXXX . M Y CREDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH  XXXX    XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (WA)

My father received a call from a " XXXX XXXX '', he returned the call at XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' about a debt I apparently owed. I called and was informed the company was " XXXX. XXXX '' or " XXXX Services '' in Nevada. I spoke to " XXXX '' who referenced my social security number and an old account number at U.S. Bank. including dates that the account was open ( XXXX which seems correct XXXX, closed and when it was sold to collections ( XXXX ). This is the first I have ever heard of any collection issue with the account. He informed that it 'd be reported to XXXX XXXX who would freeze all my checking accounts. I later spoke with a friend at U.S. Bank who did not even show the account as charged off. I also looked up to WA state statute of limitations. When I called " XXXX '' back to inform him that even if the debt did exist it would be time-barred given the state law, he threatened to take it to court.
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.
Consumer complaint received 2017-06-16
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: CITIBANK, N.A. (FL)

A credit card was opened up in my name using CBNA. I believe it is a store credit card through Best Buy. The card was opened on   XX/XX/XXXX .  I did not open this credit card and want it removed from my credit report and closed immediately.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc (NJ)

I mailed Versik 's a property and auto form with two forms of ID on or about XX/XX/2018. 

I received my property report however never received my auto report. 

I called Versik twice in an attempt to resolve the issue, however they still have not sent my missing auto report.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On Wednesday, XX/XX/2018 I went outside to get in my car to go to work and the car was gone. I called the policy who informed me that my car was repossessed. They gave me the number to the place that took my car. I contacted them and they told me to contact the XXXX people. I contacted the XXXX   people who told me that my XXXX and XXXX checks bounced and they repossessed my car. I asked them what did I need to do to get my car back and they told me that I could not pay what I owed and get the car back because it was a new lease and the only way I can get my car is to pay the total worth of the car which is around $ 52k or get my own financing. They gave me the address to the place where my car was taken and allowed me to go get my belongings from out of the car. I spoke to 2 supervisors and both of them told me that it was nothing they could do. I asked them why wasn't I informed that my payment was past due in writing she said you were by the monthly car note statement. I asked well you don't send out letters stating that the payment is late and she said no they do not. The only correspondence they send is the monthly statement.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : 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 All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.