davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (AZ)

XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collins Asset Group, LLC (MN)

Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (TN)

I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have been disputing all the negative accounts and fraud inquiry, Experian is not removing the items in question. I have been complaining about the same items for months now and have sent in a police report, proof of address, and social security number. Every time I get a response back with a generated letter stating the same answer. I have paid off all of my debt back in 2013 with a home loan and all accounts were paid in full and a letter was written for them to be closed. My information was used fraudgently and nothing is being done about it. I should not have anything on my credit report that is negative because everything was paid off.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (UT)

I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (ID)

I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY!
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OR)

I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.