davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Source Receivables Management LLC (FL)

The company, Source Receivables Management, has provided an incorrect address that I have never lived at, to the credit reporting bureaus. I contacted the company to have the mistake corrected and they refused to take down the correct information and report it to the bureaus as is required by law. The company stated that it was the responsibility of the credit bureaus. The individual I spoke to would not take my corrected information.
Consumer complaint received 2018-06-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness. 

Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed. 

The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.
Consumer complaint received 2019-04-08
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: Experian Information Solutions Inc. (AZ)

Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Acceptance Corporation (CA)

My account was sent to collections although it was paid on time. my provider had retired and cashed the check in his personal account and there was a mix up with my bill. after showing proof that the amount had been paid in full they refused to cooperate, ordering me to send repeated proof without responding to me. months after the start of this, a negative mark was put on my credit and after multiple phone calls to correct this issue, XXXX responded in the worst, rudest, most unprofessional manner.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Riverwalk Financial Corporation (MO)

This debt does not belong to me, it belongs to XXXX XXXX, a special friend of mines at that time. His address is XXXX XXXX XXXX ; XXXX XXXX, MO XXXX. Also, I was told by XXXX XXXX XXXX, if I help them get the car back from XXXX XXXX this item would not hit my credit as it should not have in the first place because it was not my bill any way. Please remove this creditor, it does not belong to me.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to cash a bank Certified Cashiers Check from Citizens Bank. ( routing number XXXX ) XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from Citizens Bank was forged. 

XX/XX/2019 - I was told by the branch manager of XXXX XXXX that they could not do anything for me and that they were not liable. However, XXXX XXXX was responsible for depositing the check. XXXXXXXX XXXX in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - XXXX XXXX XXXXocated in XXXX gave me a copy of the forged check and told me that Citizens Bank has to file a forged endorsement claim. 

XX/XX/2019 - Citizens Bank branch office in XXXX XXXX  said that it is XXXX XXXX   responsibility to fill out the forged endorsement claim.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

DiTech Mortgage ( formerly Greentree ) held my mortgage on a house I owned in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX. Two issues that have STILL NOT been fixed by them despite repeated promises to do so : They still owe me over {$7200.00} in escrow overpayment/refund. I have called them two or three times every month since XX/XX/XXXX and STILL do not have the money. I have lost interest on that money, have been unable to pay my daughter 's tuition bill with some of it and, quite simply, it is MY money. 
They falsely reported to the credit bureau companies that I missed or was late on payments 9 times when they held my mortgage. It has been proven to them repeatedly that they are wrong. I never missed a payment, was always on time and usually EARLY.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (IL)

Franklin Collection Agency has added a collection to my credit report that does not belong to me. I have requested validation without any response. I have never had any services with XXXX. I have been a resident of Illinois for over 15 years. This account does not belong to me. By reporting this information this is damaging my credit worthiness for an account that has never belonged to me.
Consumer complaint received 2018-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XXXX I purchased a used 2014 XXXX XXXX, I put {$10000.00} cash down on the vehicle leaving a remainder of {$14000.00}. I told him ( loan/finance officer ) that I did not want to use the dealership because they always have higher interest rates ( XXXX XXXX XXXX ) He DID NOT tell me that he was going to running ANY hard inquires on my credit, I was under the assumption that it was soft credit checks. I told him that I used XXXX XXXX for my last vehicle loan and that I enjoyed using them as a financial institute ... .my credit was never ever ran for that company??? I checked my credit last night and apparently he ( the loan/finance officer ) decided to run it 4 times!!!! Can you please have this removed from my credit as a hard inquiry? If I would have known this I would have never used this dealership! 
I DID NOT authorize this for the following ; COAF- Finance on XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX-XXXX XXXX I will accept the XXXX XXXX XXXX that is who he ( loan/finance officer )  showed me the offer and had to initial by the agreement. This is the company I did agree to their terms. I am beyond floored that they so easily dropped my credit!
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EMBRACE HOME LOANS (PA)

On XX/XX/XXXX, my report shows two separate inquiries made by Embrace Home Loans and XXXX XXXX from XX/XX/XXXX, which I did not authorize. Today, XX/XX/XXXX, I called XXXX XXXX  and the gentleman informed me that they were authorized by Embrace to run my report to see if I qualify for a home loan, which I am not currently looking to purchase. When contacting Embrace Home Loan, I attempted multiple times to call from my mobile phone and called three different numbers in which the message stated the numbers were all disconnected. I then called from my work landline, and finally got through. The young lady I spoke to stated the company looks up random names, research their information and forward it to a credit company for approval odds and should not post as a hard inquiry on my report, it did. She then forwarded me to their specialist which did not answer my call to see what can be done about removing the inquiry. These inquiries were just posted to my report and affected my score. It is unacceptable for any company to run a report for approval odds of any kind without authorization.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (CA)

Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NC)

TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BERLINWHR-KS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious BERLINWHR-KS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2017-06-22
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: FIRST HORIZON BANK (TN)

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. 
XX/XX/XXXX I worked for XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX. 
I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX I lived at XXXX XXXX  XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 

First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. 
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number. 
Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

A few years ago our mortgage was purchased by Carrington Mortgage. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX XXXX payment but Carrington refuses to update that information. I have a print out from Carrington 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (LA)

selene finance had me on a trial basis home loan modification, and I paid all the payments on time that was XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, payments of XX/XX/XXXX-XX/XX/XXXX and when I got ready to pay XX/XX/XXXX, they said they couldn't take it because of some letter that they hadn't received, if they took my payments for 3 months over the phone why couldn't someone tell me about a letter that wasn't in my file, in XX/XX/XXXX I talked to a lady named Mrs , XXXX and she saw the letter that I had faxed and called another department and they made up some kind of excuse about the letter, and she no longer works in that department of course, so this pass Thursday a guy from the company calls me and says to sign and fax a letter XX/XX/XXXX and I could pay my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments but of course today I cant get him on the phone and their telling me my loan was not approved again, lies and more lies, they say they sent a letter about an income change and it was not an income change the letter stated that my home was 37 days to foreclosure and I couldn't get a modification ands why, o and the lady that Mrs XXXX talked to about the letter told her to tell me to just resubmit my application for a modification and they would re do it some more lies
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I was given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XX/XX/2018, I sent in a balance payment for my Cabela 's   credit card administered by Capital One, 10 days prior to the due date. Thirteen days later, I noticed that the check had not cleared my Credit Union, so I called Capital One, and after a conversation with the service personal, decided to provide my Routing and account number, to pay the new balance, and close the account. Assuming the first check was lost in the mail, I stopped payment on it. That caused chaos at Capital One. They debited my account, the amount of the stop payment check. Then for some reason, Capital One sent me a check, for the amount of the stop payment check. And told me I now owed them the amount of that check, plus interest and penalty. I called their service line, and finally got put through to a supervisor, that noticed the unusual activity, and said they would investigate, and get back to me in a week to 10 days, with an answer. They never contacted me. Then I started getting all kinds of calls from what sounded like their bill collecting department. And sent me a statement, for the balance plus interest and penalties. So I decide to just pay them, the balance including interest and penalty, and sent it to them priority mail, so I knew they couldn't deny receiving the payment before the due date. Today I get a statement for a new {$69.00} balance ... With a statement that doesn't itemize the charges. HELP! I just want them to close out my account, and explain why I owe them an additional {$69.00}