davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have been a BECU Member since XX/XX/XXXX and I had an amazing relationship with them until XX/XX/XXXX. My grandmother passed away on XX/XX/XXXX in XXXX XXXX, AR. My immediate family and I had to leave immediately to be there to handle the funeral arrangements. We were not prepared at all and wish I had been for sure. Well I began writing checks to cover expenses and thinking that my direct deposit would cover the negative balance. Well things just gotten more out of control with bills, auto repairs, and loans from another financial institution. I started getting behind more due to the emergency trip to Arkansas and caused me to either be without completely for awhile or write another check thinking again it would be covered. It all hit once my account got negative {$1000.00} and so I was warned on the XX/XX/XXXX to stop writing checks or we will close the account for 6 months. I agreed to do so then asked the lady what should I do and how can I make payment plans to get the squared away because now is the time to fix this. I never had been in a hole like that and was tired of trying to write checks to cover what I owe to pay bills plus pay debt. She suggested to stop my direct deposit, open another checking account with the same institution then switch the direct deposit to transfer funds to the negative checking account in enough payments that would eventually cover the whole balance. My job had to issue me a paper check because of the canceling of the first checking account for the XX/XX/XXXX because it takes awhile for direct deposits to process to another account. Well I received my check and did what was suggested to me. I deposited my pay check into the 2nd checking account because BECU do not cash pay checks. Well once that was done, only {$200.00} was available to me and so I called it in to verify that it is my job pay check this time and to get it cleared so I can start paying off my negative balance plus have money for other bills that are due at this time. Well the lady I spoke to this time was not so kind and took matters into her own hands which she got my account locked and they kept my whole pay check saying there is nothing we can do. I was so appalled by the way everything happened so fast that it almost caused me my life. I just wanted to make things right and rebuild my account into great standing as suggested to but that is not how it happened. I have been calling and even went into a branch to see how this even come about? The lady had noted that I had 2 warnings when I only had one and the fact nobody wants to hear me out or work this out is shocking that an institution would even do someone like this.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TN)

This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.
Consumer complaint received 2019-05-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NY)

Begin on XX/XX/XXXX the company Sunrise Credit Services call with a local number so you think to answer it. I answered a few times they ask if its me and wouldnt give any information. I told them I was recording them they said they were recording me then the women on the phone starts harassing me so I hung up. They call over 5 times a day repeatedly at times starting at XXXX XXXX until XXXX XXXX. They accuse me of owing money to a school that shut down because it was bought out. Theyre student platform didnt work I called to get help was told they saw no complaints on this. 2 days later they withdrew me I tried to get re accepted they said I owed {$2500.00} plus fees. The school was XXXX University and then switched to XXXX XXXX University when they closed.
Consumer complaint received 2019-05-17
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: Experian Information Solutions Inc. (CA)

Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

I have been trying to get this resolved for quite some time. This is my 3rd complaint regarding the reporting practices of XXXX. I have disclosed files showing where XXXX stated they have removed the collection. But after checking my credit report once again, I now show medicredit reporting twice for the same collection that was paid!
Consumer complaint received 2019-05-17
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. (MD)

I've submitted several disputes to Experian regarding the inaccurate reporting of a bankruptcy to no avail. Experian states it receives it's public record information from XXXX XXXX XXXX however Experian 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX XXXX Report has " No Records Found '' listed in my Bankruptcy   portion of my report. Please refer to page 11 of my XXXX report.
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. (GA)

Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MI)

This was a work related XXXX/XXXX  ..Our hr lady refused to put this in as s that .Im not responsible for a XXXX that came from my work.She wanted me to lie, i refused to so 5 days after XXXX she sent me a email telling me she didn't simit my paperwork..i went 4 months with no money, and now this place is trying to get something out of me im not responsible for
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Account Name : XXXX XXXX Last four of account : ... XXXX For nearly a year Chase  Cards has been charging my account that has had tremendous effect on my credit report. They have continue to put excessive fees on my account which they claim is legitimately mine. However I have repeatedly told them this was paid off nearly 9 month ago. The remaining fees are all the excessive fees put in by Chase to an account that was paid off. I have attempted 2 other times to report Chase but every outcome has been conveniently in their favor. Attach are portions of the last 5 statements of the excessive fees to an account that has been paid off.
Consumer complaint received 2019-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

My loans with Navient have been late/past due for two months now, due to financial hardship. For the past three weeks I have received repetitive phone calls, no less than ten per day between two phone lines. I have spoken with representatives on NUMEROUS occasions and explained to them that it would be two weeks until I would be able to bring the account current. Hanging up with them, and hour later they call back. Over and over. I spoke with two representatives the week starting XX/XX/XXXX. Spoke to them again the following week, repeating the information I told them already. They repeatedly call, I have told them at least 5 times to stop calling and that they were harassing me, but this did nothing. Finally I go online and paid the past due amount to bring my account current on XX/XX/XXXX. I again, approximately an hour later received a phone call from Navient. I told the women I spoke with that I paid the past due amount. Not even 15 minutes after that phone call, the land line rings, and again it is Navient, I ignored the call. Two hours later I received another phone call, at which point I very angrily told the newest representative that it was paid and they were informed of it and are STILL calling. 
This has been extremely stressful, I have been very polite up until a point, I have been explaining my situation, and despite the unwillingness to work with me to get me some type of alternate payment option, the only thing NAVIENT seems to do is repeatedly call to harass. This needs to be reported and fixed immediately, so that others do not have to suffer needlessly.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (IL)

I received a email from XXXX  on XX/XX/XXXX at XXXX stating that there was a new collection item added on my report. So I contacted the company and a guy answered the phone and he appeared to already have my name and date of birth the moment he received the call. I confirm my date of birth with him and then I proceeded to state the reason of my call. I wanted to know what and why this debt was added to my report. They guy states where the debt came from in which I have no knowledge of the company and the debt supposedly be from the year of XXXX, so of course I really dont know where this came from. I asked the guy if he can send me proof of the original bill from this supposedly company and thats when the chaos started. This guy begins to accuse me of not responding to the original bill from XX/XX/XXXX, he told me he cant send me a copy of the original statement and that he already told me where it came from. He also accuses me of ignoring the original statement and each time I spoke he began speaking over me. He was not allowing me to talk or respond so our conversation became really chaotic to the point that I got upset and began yelling. To end the chaos I hung up and I will not be contacting this company again. I am very upset at how this one employee handled my situation when it all couldve been so simple had he communicated in a professional manner. All I wanted was the original bill or statement that says that I am responsible for this bill Im which I will pay if Im responsible. I will not tolerate disrespectful behavior as a consumer.
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (LA)

I have been a customer for Western Union from a year XXXX. Within the last three years I realized Western Union to have a problem with my XXXX name ( Originally from XXXX ). With good faith and under company request I provided the company with every Identification document in my possession including copy of passport, State ID and official XXXX XXXX XXXX XXXX ID ( My worker at the time where I work as XXXX XXXX ; separated on XX/XX/XXXX ) and the company a apologized before. However, the problem still going on. Because of the month of XXXX ( XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX - I used the company 's online app to transfer Money ( {$200.00} ) to XXXX ; and based to company 's website/app the money should be there in 15 minutes with extra fees of ( $ XXXX ) I have paid. The company was able to access my bank account and withdraw the money and the fees with total of {$210.00}. 
Shortly, after the submitting the online transfer I received a confirmation of service, then an email notifying me for security I have to provide more identity documentation, so I did. However, after three days I request cancellation and refund of my money. 
On XX/XX/XXXX the company sent an email confirming two action at once completed the transaction and cancellation. 
More days later the company has deposited the amount of transfer in my bank account and kept the fees. 
I believe under supported records this company is discriminating, holds negative information about me which is not correct Please, your help and if I could have the rights to sue this company Thank you XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2019-05-17
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: Experian Information Solutions Inc. (NY)

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX  {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (TN)

Barclay Bank Card has systematically lowered my credit limit causing my debt to available credit limit to raise. Thereby causing my credit score to be lowered duty what appears to be over the limit charging. 

I contacted Barclay Bank who transferred me to their debt risk contractor. I explained to the contractor that although my accounts outside of Barclay were indeed carrying high balances. I have never missed a payment to Barclay ; nor any of my other creditors. 

Barclay has continued the lower my credit limit actions without my never missing a payment.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ DATA INT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA-XXXX Has placed a false debt on my credit report for {$110.00} on XX/XX/2017. 
Previous to that, they had sent me a letter stating I had 30 days to respond. I sent a letter within the 30 days asking them to prove to me that this was a valid debt, I also spoke with them over the phone and told them this is not a valid debt and it's not mine. 
They did not ever send me any proof that this was in fact a valid debt. 
I want this debt removed from my credit file. I have also sent in disputes to all 3 credit reporting agencies.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

On XX/XX/XXXX I filed a complaint through you guys against the company, Merchant Adjustment Services and the company responded back on XX/XX/XXXX with incorrect and false information. The company stated that after a letter was sent XX/XX/XXXX, I did not respond! As I stated in my first complaint my last correspondence was XX/XX/XXXX in which the company did not respond. Also the dates on the company 's response is very confusing, I don't understand the reply were they said on XX/XX/XXXX it was verified with the credit bureau that the account was showing as disputed and today 's date is only XXXX XXXX. 
I also sent a correspondence to this company on XX/XX/XXXX, showing that the response is incorrect
Consumer complaint received 2019-05-16
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: AUTOMOTIVE CREDIT CORPORATION (FL)

I noticed the company Automotive Credit reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions.  The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit has called me repeatedly throughout day. When i did answer i asked for information about this alleged debt to be sent to me in writing. However before anything was sent to me this account is appearing on my credit report and they are tellng me it can not be removed. The only thing i can do is pay it and had it sit on my account. I have been a victim of identity theft before and it has been reported. They were not helpful i was young up on and transferred without event being told. I spoke with a XXXX who said there is nothing that can do even if the debt is not mine i have to pay it and it will look better on my account as a paid collection. This account is not event reporting correctly a collection account reporting a balance in inaccurate reporting. I also spoke with a XXXX and XXXX and being told i have to pay this debt they i did not get any verification for that it belongs to be. This collection account is detroying my credit and i want this removed. If they contiune to refuse i will take legal action due to them demanging my good name. 

Account number : XXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc. (NY)

I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

This is in reference to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX Concerning Carrington 's  mismanagement of resolving mortgage assignments and recordings for a partial lien release. The closing for the property was to be XX/XX/XXXX. Because of the delay the buyer backed out of the sale of the vacant lot, {$35000.00}. My attorney did not receive the paperwork releasing the lien until XXXX of XXXX. XXXX XXXX
Consumer complaint received 2023-07-23
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Incomm Holdings Inc. (FL)

My doctor note when I when I got back from the hospital, Man, Ive been working XXXX hours a week remember how do you know a working man thats all I do is I return from the hospital and then I get one of my supervisor and I dont know if before, and after that, my XXXX XXXX XXXX and mid Florida XXXX I got XXXX police
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

I am sending them money, but they are not processing it or applying it to my account, they will not acknowledge the payments. They are more than happy to report to all the bureaus ( Fraudulently ) that the account has not been paid saying it is a charge off when it is not because they have the money. I have proof that they received the funds from money gram ( which they are not acknowledging or processing ) they are lying about they day they closed or charged off the account because they mailed me a letter on XX/XX/2023 requesting a payment which I sent. They blocked me to my online account months ago so I can not see what they are doing with my account or how they are applying my funds. My bank confirmed they cashed the cashiers check the DAY AFTER they received it which is XX/XX/XXXX, XXXX but have not applied it to my account. I have confirmation from XXXX that the money was sent, but they have not processed it so another {$400.00} is sitting waiting for them to process it ( which was sent back in XX/XX/2023. I want the funds ( now {$3400.00} ) applied to my account, and the charge off removed- including removed from all credit bureaus but instead to reflect it is paid in full and I want my XXXX released to me, and my title sent to me. I am retaining a lawyer and my next complaint is to the US Attorneys Office.