davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Consultants Inc. (FL)

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (MI)

Let me say first that I have already checked and AM COMPLETELY ELIGIBLE FOR THE HARP LOAN PROGRAM.   With that said : I was looking for information on the HARP loan program. I was on an advertisemtment page this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   reading information about HARP. The link on this page took me to this page :   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   The HARP Program is being used to BAIT PEOPLE where their true motive is to write VA loans.   This advertisement is both misleading and  FALSE ADVERTISING. I n addition they used my information to do a HARD inquirey on my credit record. I ONLY authorized them to do a soft pull for purposes of using the information for HARP.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MA)

Have reached out to Santander for a change in interest rate of XXXX % Have been laid off due to XXXX XXXX and hoped to settle loan for {$9000.00} dollars using XXXX withdrawal to decrease expenses and sell auto. 
Requests have been denied. 
The interest is excessive and unable to decrease balance because of this and car is underwater
Consumer complaint received 2017-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.
Consumer complaint received 2017-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (NC)

I had noticed 2 hard inquires from XXXX XXXX on my credit reports and that a Discover credit card had been opened in my name with Discover during XXXX 2016, the exact time frame that the 2 hard  inquiries were put on my account. 

I have written to discover numerous times explaining that I did not apply for any credit with them ever and I did not authorize that card. I immediately closed it out and disputed the inquiries and the credit card on my report but the bureaus nor discover care to resolve this with me. 

I have reached a point of where I wanted to bring this to your attention before I proceed with legal action to have it removed from my report. 

I do n't want a discover card, never have, never will, and never applied for one.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me.
Consumer complaint received 2015-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau (OK)

Medical Business has reported to XXXX that I owe a {$570.00} to XXXX XXXX XXXX of XXXX. This is not my bill and I want this taken off my XXXX credit report. I have tried to contact XXXX and all you can get is lost in there telephone go here go there system. This is not the first time this has happened and it has been there mistake each time and it takes hours of work and providing proof that this is not me. These companies need to be held accountable for there mistakes they make instead of making live XXXX on everyone else. I found this when I pulled my credit report. No one has contacted me on this.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

XX/XX/2019 an account appeared on my credit report in the amount of ( {$1000.00} ). Ive tried disputing this information but was advised to file a consumer complaint as well as an identity theft complaint.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VALLEY NATIONAL BANCORP (PA)

I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.
Consumer complaint received 2017-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I sold an item on XXXX and shipped it to XXXX using XXXX. The tracking number indicates that the item is located in the XXXX XXXX XXXX XXXX XXXX. I have documentation of the delivery and documentation from the buyer that he is refusing delivery to his residence. The item is at this address. Office Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX - XXXX XXXX Telephone Number. : + ( XXXX ) ( XXXX ) XXXX, XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a Bank of America and XXXX Bank equity line account at is over XXXX XXXX XXXX and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

Im getting accused and charge a fee for something I have no control over its has really been a struggle and stressful. I cant afford to pay the XXXX to get off my credit. I have been trying get this deleted off my credit for 2 years now. I have tried to dispute and it keep getting denied. Im a single mother of XXXX  I cant get a decent place to live because of this false debt that Im getting accused of please help me Im desperately need help.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (OR)

I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them. 
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX  number XXXX XXXX XXXX at XX/XX/XXXX XXXX  number XXXX XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX This is what I have documented on my recent calls list! 
I would appreciate any help or guidance on how to stop these fraudulent annoying calls. 
Thank you XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, AMERICAN Express had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by American Express on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to American Express on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by American Express on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by American Express. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.
Consumer complaint received 2017-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Employment Data Reported XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX  Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
Consumer complaint received 2022-01-13
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 (NY)

I am writing today in regards to my account with Capital One account # XXXX. The purpose of writing is in regards to the late payment which is showing on my report in XXXX XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

fact, I the affiant is aware and have proof that TransUnion has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. TransUnion continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to Transunion willful and gross behavior ; I have been reputedly violated and as a result of Transunion negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and mental anguish.
Consumer complaint received 2017-11-09
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: TRANSWORLD SYSTEMS INC (CA)

Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

For the last several years XXXX, XXXX XXXX XXXX, XXXX. have been summoning me to court for a debt I personally did not owe to them. XXXX XXXX purchase an outstanding debt that I owe to XXXX XXXX. When I tried contacting XXXX, they stated they no longer had any recollection of the debt and for me to check my credit report. I fell on financial hardship, lost my apartment and moved myself and my daughter in with my mother. The debt went for almost three years at which I begin receiving summons to court by XXXX XXXX. I have been to court twice and have been paying on the debt via garnishment. I was told in court by Midland Representative that XX/XX/2016 was the last month for payment and satifying my debt. I have already paid around {$600.00}. Midland than stop the collection, waited a few months and started the collection again requiring me to pay additional garnishment fee to my employer as well as additional bogus added collection fees and interest on the same debt. I will never satisfy this debt with the fraudlent collection tactics by Midland and Law firm whom did not show in court on my last court date. I gross a below average income a year between two jobs. I have had at least two free consults with lawyers suggesting bankruptcy, but bankruptcy will cost more than the debt claimed to owe. I feel that Midland is financially bullying and trying to embezzled money from me by tacking more taxes and interests over and over again on the same exact debt and already added interest fees for the last few of years. I have spoke to some one twice at that firm ( not sure if the firm is legit ) but they were not trying to help. Please help.
Consumer complaint received 2017-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I contacted XXXX again as well as opened disputes with XXXX and equifax ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX, Equifax and XXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.