davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (IL)

Lost credit/debit card ordered A new one Navy Federal credit unio I was emailed that my card was delivered but I have yet to receive my card I tried to report to Navy Federal , but I wasn't able to. This issue is not the first time that I haven't received my mailings. At the location that requested. I have orders from XXXX XXXX and XXXX and XXXX. I have lost money. with Style We I am not able to report my claim my lost for A replacement of my items or A refund. If I'm able to get A refund for these items i can't use my Navy Ferderal credit union because I have to transfer money to other accounts which takes time I believe that something FRAUDULENT is going on.
Consumer complaint received 2023-05-07
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. (NC)

I closed this credit card over 45 days ago. This credit card should be listed as closed, paid, or removed on my credit report. 

Accurate information is required to be verified by all credit bureaus based on the FCRA.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I was suppose to receive my direct deposit in the amount of XXXX. When I called in @ XXXX I was advised that I need to faxed in address verification by a supervisor which constants of a piece of mail and government ID. I sent this information @ XXXX and called back when I faxed in this information. I was told that it will take 4 hours to process and I will receive my funds by XXXX EST. When I called back at XXXX XXXX  they informed me that I needed to send in my social security card. After going back and forth with XXXX who was a supervisor, he then told me they were able to make an exception but sent my direct deposit back to my employer at XXXX XXXX. If I was informed this when I called in when sending the fax i could of contacted my employer HR department.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Oracle Financial Group LLC. (CA)

I received a call to my cell and to my home phone from Oracle Financial Group, LLC A XXXX XXXX left threatening messages stating I am being accused of fraud with a local financial instiution. 
I called the number and was called a liar, I do not owe this debt and I also looked up other complaints against this debt collector. 
I have no unpaid debts
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you
Consumer complaint received 2018-06-01
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (TX)

I AM TRYING TO CLEAN UP MY CREDIT AND I SEND A GOODWILL LETTER TO THE SCHOOL ASKING IF THEY COULD REMOVE THE 3 LATE PAYMENTS I HAD BECAUSE I HAD HIT A ROUGH PATCH IN MY LIFE AND FOR 3 MONTHS I COULD NOT PAY. XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX I WAS UNABLE TO MAKE A PAYMENT. WELL WITH THOSE 3 LATE PAYMENTS IT SHOWS I HAVE 27 LATE PAYMENTS BECAUSE I HAVE A FEW LOANS SO ITS MAKING IT HARD FOR ME TO GET CREDIT OR TRY TO GET MY FINANCES IN ORDER, I AM BACK IN SCHOOL NOW AND I JUST NEED SOME HELP PLEASE.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called XXXX XXXX XXXX who supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from 2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX collect on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in 2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr old fraudulent debt. The law firm of Fein, Such , Kahn & Shepard is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!
Consumer complaint received 2018-04-24
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. (KY)

I am an additional SHINee on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a credit card with capital one. I have not used it in one year. The interest is {$100.00} per month. I have been paying it and not able to pay more to decrease my principal. 
I called XX/XX/XXXX I was offered to : close my account, lower my interest from around 20 % to 7.4 % pay {$74.00} per month. The woman put me on hold and call got disconnected. 
I called right back and was told the offer is no longer available because the call was not completed!! I sent a letter to close my account and call me to resolve the interest. No one contacted me. I called XX/XX/XXXX spoke with ID # XXXX to no avail spoke to her supervisor XXXX and she told me they can not offer it at this time. I am desperately trying to resolve this and Capital One will not work with me. I can not continue paying {$100.00} per month and not lowering my bill.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify  the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX  in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/, I sent Experian proof of a document with a dispute. Experian is reporting I have 2 late payments on a Auto Loan with XXXX XXXX XXXX XXXX. According to FCRA Section 623, Experian is in violation ( if they refuse to correct information after  being provided proof of inaccuracy ). They sent me a letter XX/XX/ saying it was verified. But how is that? These so called late payments are a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan in the same months they are reporting late. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late  payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ).  Experian has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (NY)

This debt collector calls from XXXX and have been calling family members saying I have a debt and if I dont contact them I will be in a legal battle. My family have the recordings and dates of these harassing calls. I have not ever received any letters pertaining to such debt and in addition they address me using my married name which I have stopped using in all legal ways since my divorce 15 yrs ago. 

I did call them today to ask what this is all about and when I mentioned I havent carried that name in 15 yrs this representative wanted me to tell them my date of birth which I refused being they still havent told me the reason of the calls plus told them its illegal to disclose a debt to third parties. This representative cursed me and hung up.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} THESE ARE REFUNDS To my prepaid debt cards has nothing yo do with y paypal account it stands alone they put a hold o both of y cards 1 ending i XXXX & XXXX business debt card 4 six months 180 days which is cash money i funded to my card they say i was sending money to myself however i was sending money to a business account 180 is out of the normal time frame to hold a consumer money