davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (MI)

On XX/XX/XXXX I received a email an alert stating that it was fraudulent activities. I reached out to Netspend and had them block and remove all cards and send me a new one which they did on XXXX I received new card! On XX/XX/XXXX I received a fraud alert, asking me that I knew XXXX XXXX reply back No! I called netspend and report that XXXX XXXX $ fraudulent transactions and XXXX more made by a XXXX b {$50.00} {$450.00} {$500.00} Netspend did nothing to protect my card from theses transactions my card wasnt blocked nor restricted until no more money was available! I was offered {$20.00} from netspend and now waiting for them to investigate which takes up to XX/XX/XXXX now Im left wondering how to pay bills and having trouble understanding how my card wasnt blocked when I received fraudulent alert! I was told it was a a temporary virtual card made on XX/XX/XXXX is how theses fraudulent activities were done
Consumer complaint received 2015-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (FL)

I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I have had many issues with Mohela. The most recent is the fact that I was approved for and enrolled in auto-debit for my loans on XX/XX/23, with my first payment being due XX/XX/23. That payment was never withdrawn from my account, and I received an email from XXXX XXXX XXXX on XX/XX/23 stating that I missed a payment. Mohela 's website states that I am up-to-date and not in delinquency. However, when I call Mohela and provide my account number to the automated system, it states my loan status is delinquent. I did everything that I was supposed to and now Mohela is causing direct harm to my credit status due to its ineptitude.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily?
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This company purchased my mortgage loan recently and I have a perfect payment history. I have called on XX/XX/XXXX and spoke with XXXX who was rude and avoided my direct question whether they were a licensed third party collection agency-she finally admitted " yes '', I asked, why would SLS send a new customer a " collection notice '' and it even referenced that it was an attempt to collect a debt ... she said because they also service delinquent loans. I replied by saying my loan was NOT delinquent, and that I received my XXXX mortgage payment notice had incorrect payment amount and that it did n't reference my separate check # XXXX for an escrow shortage of {$740.00} and XXXX said that my info was wrong, there was NOT an escrow shortage ( even though I have notice from previous lender that there was so I sent the payment and check was cashed but not applied to my shortage ). I was promised a return call by XXXX a supervisor no later than XX/XX/2016. I never got a call and called their customer service number XXXX and was on hold for 16 minutes and hung up. I called back again today and same thing. I expect an immediate reply to my incorrect mortgage payment and an apology for treating a new customer so rudely and poorly. My next payment is due XXXX so urgency is appreciated.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank of america closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into bank of america to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my bank of america credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that bank of america asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that bank of america by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.
Consumer complaint received 2015-08-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Navient took XXXX payments from my bank account without my authorization. Since then, they have continued to try to charge me XXXX my monthly payment and threaten me by saying they will raise my interest rate. In conclusion, they are bullying me into paying too much on my monthly payments as well as causing overdraft fees at my bank without my authorization and threatening me
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (MS)

This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I been receiving numerous calls from kohls to collect on past due amount owed, they call at different times with local numbers but leave a voicemail with their direct number. I been paying monthly payments of {$25.00} but i could n't catch up due to monthly late fee of {$35.00} due added every month on top of the {$25.00} not being the past due amount. They been emailing me as well collection emails which i did not consent too. I finally responded to one of the emails in regards to offering a low apr/no late fee/low montly payment which i received a couple of these telling me my options, I called on XXXX/XXXX/XXXX i received the email on XXXX/XXXX/XXXX i specificcally called on these options offered via email, the representative advised me he could n't offer me the options only a settlement i advised him i cant do the amount of the setllement i wont be getting paid till XX/XX/XXXX i will call you back if i can come with the amount. he said ok. So i called yesterday XXXX/XXXX/XXXX im told my account has been charged off and my options expired on the XXXX/XXXX/XXXX they acknowledged my call in regards to the options emailed on XXXX/XXXX/XXXX but since it 's been charged off i no longer qualify. I felt misled and false misleading information on their behalf as well with the calling with local numbers more than once a day is ridiculous when im making as best to pay them.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureau did not perform a proper investigation of the account that is on my file. Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Consumer complaint received 2016-07-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica (TX)

comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (
Consumer complaint received 2016-10-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Choice Recovery, Inc. (NC)

According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. 
I have never been to this place nor have I ever received a bill from this place or Choice recovery. 
They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. 
I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. 
I would appreciate your prompt attention.
Consumer complaint received 2024-08-13
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: EQUIFAX, 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

According to 15 USC 1681EB Equifax is supposed to assure maximum possible accuracy. This account is not accurate accordingly to the Fair Credit Reporting Act. Please Immediately & Permanently Remove this Account for Violating 15 USC 1681EB. 

XXXX XXXX XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Historical Overview Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type DEBT_BUYERS_ACCOUNT Original Creditor Name XXXX XXXX XXXX XXXX Months Reviewed 2 Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$820.00} Credit Limit - High Credit {$820.00} Date of First Delinquency - Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2016-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (CA)

I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.
Consumer complaint received 2016-06-13
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).