davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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. (CA)

I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to Experian 's data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (MI)

Collection account from CREDENCE RESOURCE MANA with account # XXXX and a balance of {$810.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Portfolio Recovery Associates contacted me 94 confirmed times by phone using 60 different phone numbers for a debt I never had. I contacted local police, they contacted PRA, PRA ignored them. I hired a lawyer and PRA did not answer the lawyer 's questions.
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

Dear Sir/Madam, I am writing to formally dispute the debt that has been reported to my credit report by XXXX XXXXXXXX XXXX XXXX I believe that this debt is not valid, and I am requesting its immediate removal from my credit report. 

The details of my dispute are as follows : Creditor : XXXX XXXX XXXX Account Number : [ XXXX ] Amount : {$XXXXXXXX} I assert the following : No Agreement : I have never consented to or signed any agreement with XXXX  XXXX XXXX. 
No Documentation Provided : I have never sent any of my personal documentation to XXXX XXXX XXXX. 
No Liability : I am not liable for the debt of {$XXXX} as claimed by XXXX XXXXXXXX XXXX. 
Given these points, I request the immediate deletion of this account from my credit report. Additionally, I would like an investigation into this matter to be conducted promptly, and I request that I be informed of the findings.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went into a Bank of America branch in XXXX XXXX, SC on Tuesday, XX/XX/XXXX, in attempt to open up a checking account and minor savings account. I was informed then that there were an outstanding balance owed, but was still allowed to proceed with the account opening, with the hopes of resolving the issue ( s ) at hand with the debts owed. I contacted the Recovery Department and spoke with a representative, and asked about the debt owed because I wasnt aware of it. She then proceeded to inform me that there were two accounts owed monies for, one being in XXXX XXXX 13 years old ) and the other being XXXX ( 7 years old ). I explained that the account in XXXX was opened at a young age and under misleading and misguided information, and the one opened in XXXX I wasnt aware that a debt was owed on it. I asked if those balances could be written off being that they were/are so old, she told me, I then asked for a manager who was very rude, and wasn't helpful at all. So, I called back today speaking with another manager. I asked the same if the balances could be written off or a settlement could be offered, and again was told no. Im not understanding the reasons behind with getting these two balances written off, as I was advised by the branch manager at the branch that I visited that thats something Bank of America could do and being told No by two others are misleading and misguiding. I would love to bank with BOA again, however ; I think I should be able to get those balances written off and/or offered a settlement being that they are well past statue of limitations.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-02
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: AMERICAN EXPRESS COMPANY (NC)

This is a business  account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to XXXX  and American Express. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have XXXX and American Express to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter from Kohl 's Corporate office XXXX XXXX. Stating she would like to discuss this matter over the phone since I was a VALUE customer. The number listed on the letter is either invalid or incorrect. I called the main corporate number, the operator was not able to validate if this was a legitimate telephone number to XXXX XXXX, however she did verified XXXX XXXX worked for Kohl 's Corporate Office. She was able to transfer me to a voicemail, however due to privacy did not allow me to have her direct line or extension. The voicemail states XXXX XXXX is working from home and would only let me leave a voicemail. I have left several voicemails and no return calls as of today ( 4 weeks ago ). Obviously I am not a VALUE customer after all. So this just reassure me that this is more of a copy and paste reply then an actual person looking into my complaint. 
You report my account as 30 days behind over {$4.00}, XX/XX/XXXX payment received after due date {$50.00}, XX/XX/XXXX payment received {$50.00} ... ..Kohl 's charge a late fee on the due date, not the day after. So as a card holder you are stating in the statement payments are to be posted before midnight prior to due date to avoid late fee. My due date is the XXXX of each month, if you look at my statement you charge a late fee on the due date. I have been a VALUE customer since XXXX never missed a payment, {$4.00} cause my credit score to drop 23 points because of an human error ... .really ... ..Then you can't return calls and your work underneath the president of the company ... .REALLY
Consumer complaint received 2021-06-02
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. (NC)

This is a business account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to TransUnion and XXXX XXXX. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have TransUnion and XXXX XXXX to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

I started the refinance process wiht XXXX in XXXX of XXXX and to this date they have yet to close on my loan. I was conditionally approved on XX/XX/XXXX. After ongoing document requests, on XX/XX/XXXX, I was told we " I want to apologize for all the delays you have experienced during this process. The good thing is your loan is almost to Underwriting, we are just waiting on Proof of Insurance from your insurance company. 
I apologize again for all of the delays you have experienced ''. Yet as of today, XX/XX/XXXX, the loan has not closed. Throughout the process, I have been contacted by many different loan processors for one document after another. Many a times, I have to initiate contact for someone to respond via email, phone call messages, etc. and after weeks they respond needing updated info. They are the ones that are taking so long and apologizing for it. Yet they they keep moving the goal line in terms of documentation that is needed. I have a multitude of emails that can support my assertions.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

Hi ERC / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( 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 the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Since XX/XX/XXXX I have spent more than 7 hours on the phone with various Experian departments trying to figure out why my credit report can not be accessed by XXXX of XXXX, Ma from whom Im trying to lease my third auto. 
All I get from Experian is transfers from one department to another, extended periods on hold, call terminations, and finally only a explanation that theres a glitch somewhere in their system.

They claim that there are two accounts in my name when only one is permitted, but they seem incapable of correcting the problem.

I need intervention at the Corporate level of Experian to force corrective action.

For reference, my average time on hold during my eight phone conversations with Experian over the past 10 days has been in excess of 35 minutes. This seems to me to be customer abuse.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have been on forbearance for a loan on a rental property in Hawaii. I received both calls and letters asking if I wanted to extend the forbearance, apply for deferral or pay the amount in forbearance in full. I let Loan Depot know I would not extend the forbearance and wanted to pay the deferred amount in full. I wanted to make the full amount owed in one payment but was told the amount was too large to pay all at once, it would have to be split into 3 equal sums and paid on three different days. After establishing the payment plan I received a call from collections and we went over the payment structure in full and I was advised by the collections rep at that time that once those three payments were received the account would be brought current through the XX/XX/2021 payment with everything account for to the penny. I follow up with the bank around XX/XX/2021 and am told the money was misapplied but the problem would be immediately rectified. I call back on XX/XX/2021 and the rep initially tells me I owe $ XXXX. I let him know he's not right. He looks over the account and then tells me I owe {$2200.00}. I let him know that's not right either. He states monies are misapplied and he can't determine how to get the dollars to match. He then states he's having system issues and can no longer help me, that I would need to call back. I stated I needed him to get someone to fix the problem and call me back. He said he would ask if that could be done but wasn't sure. So, Loan Depot has all of the money to bring the account current, has misapplied the monies, and refuses to remedy the problem in a quick and efficient manner. I have now started receiving default letters from Loan Depot and consider this harassment since they have all the monies needed to bring the account current.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2021-06-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (GA)

XXXX dollars XXXX it was about five years ago and its on my credit still to this day!! I can not do anything because of this!! I tried to settle during COVID-19 crisis and at that time I couldnt reach anyone
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have reached out to XXXX multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. XXXX XXXX supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the XXXX of XXXX As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of XXXX question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
XXXX in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XX/XX/XXXX, I received a call from a collections agency ( Portfolio Recovery ) stating that I had opened a XXXX credit card through XXXX XXXX  on XX/XX/XXXX and had not paid on my credit, which resulted in it going to the collections agency. The amount that went to the collections agency is {$2900.00}. I requested the dispute. 

On XX/XX/XXXX, I called XXXX and asked for an explanation. XXXX informed me that I do not have any outstanding debt and that I had not created any accounts on XX/XX/XXXX. 

On XX/XX/XXXX, I called the collections agency and requested more information. The agent informed me that there was a purchase made on the account in the amount of {$4900.00} at XXXX XXXX. I informed them of my call to XXXX and that I had not made that purchase. I was informed that the agency will send me fraud application form in the mail.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

Hi. I have been a consumer of Comenity/XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted Comenity and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but they reported Me to the Credit Bureau as delinquent 60days fir XXXX. I wrote them a letter and emailed them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested due to such an unfortunate situation being out of my control if they would make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX year old son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to get the delinquent reporting pulled from My Credit Bureau. Thank You! 
Warmly, XXXX
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited XXXX into the bank and accidentally left my debit in the machine. Two hours later I received an email informing me that my card was being used. I immediately turned the card off and contacted Wells Fargo. There was a language barrier and the individual who took my claim completely wrote the information wrong even after I attempted to correct her. They conducted the investigation on her information and refuse to admire fault and return my money. A police was made and they refuse to acknowledge its
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (MD)

XX/XX/XXXX - payment of XXXX was made XX/XX/XXXX - said payment was returned ( was NOT notified until XX/XX/XXXX that the payment was returned ) XX/XX/XXXX - Credit card by PNC bank SHOWED that I had XXXX of credit. 
proceeded to use the card during the month. 
XX/XX/XXXX - after 24 days notified that the card was over the credit limit. 
XX/XX/XXXX - credit card revoked for being over the credit limit XX/XX/XXXX - spoke to PNC credit card department - XX/XX/XXXX - payment of XXXX to settle the credit card made. 
XXXX - spoke to PNC CC department / manager to resolve the issue. PNC would not reinstate the card or give an answer why it took 25 days to notify me of the payment not going through. PNC takes NO responsibility for their actions. 
XXXX - spoke to PNC Audit department - revoked due to the payment being returned and spending habits. deemed too risky. 
XXXX - seeking to " pull back " the most recent payment of XXXX - if I can't use the card might as well put the XXXX to use elsewhere and just pay down the card gradually. 
I might pay XXXX back but certainly the XXXX can stay in limbo. 
NOTE : PNC should take responsibility for NOT notifying the consumer ( ME ) of the payment not clearing in a sufficent amount of time. They need to take responsiblity of anything over the credit limit since THEY / there systems did NOT reflect the the balance correctly.