davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-01-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo owes me {$4800.00} due to allowing a fraudulent company withdraw money out of my account I never authorized it. It is fraudulent and therefore should be returned to my account ASAP. I have been fighting with them over these transactions for months the two data furnishers are XXXX XXXX XXXX that withdrew fraudulence XXXX and and Card Member services which withdrew XXXX from my account I am covered by the FDIC for any fraudulent activity taking place out of my account. I will be suing Wells Fargo if they do not return my money to my account up receipt of this fine. 

Thank you.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (CT)

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2.It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GENTRY FINANCE CORPORATION (TX)

Account had been charged off and was closed in XX/XX/XXXX, original loan amount was {$200.00} and high balance was {$270.00}. Now, in or around XXXX or XXXX of XXXX, the balance changed suddenly from {$270.00} to {$570.00}. 
There has been no notice, no other updates from the company, or payment history since XXXX until this sudden increase in balance. 
This does not seem like a fair collection practice and has already been disputed with credit bureaus to no avail.
Consumer complaint received 2016-12-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MD)

The Discover Credit Card company has been double charging me interest/fees for over a year. The company made it a routine to itemize the interest fee and then add a slightly larger amount to the overall balance. This has been occuring for a very long time and needs to be addressed.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Good morning, On XX/XX/XXXX there were charges on my mobile USAA XXXX XXXX XXXX. I Called USAA 's customer service and told them these are not my charges and I have my credit card in my hand. on XXXX I was called by a USAA rep and was told the charges will stay on my account and interest charges as well and the charges were not found fraudulent as my credit card was in my possession. I did not make these charges I told them but she stated the investigation was complete and wished me a well. 
XXXX  {$230.00} XXXX {$100.00} XXXX XXXX {$4.00} XXXX XXXX  {$270.00} XXXX XXXX {$42.00} Any help will be greatly appreciated. Thank you so much.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (CA)

Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CT)

I got a call today from American Financial Network from the phone number of XXXX at XXXX PM. The call lasted XXXX  minutes and XXXX  seconds and the person who I spoke to was named XXXX XXXX who has an employer ID of XXXX. She agreed to allow me to record the phone call conversation I asked why American Financial Network is now calling me and asking for information, while 2 weeks ago they told me to speak to XXXX and how i have continually received different information from each of the businesses and the many issues that I had with the company. 

I was told that my loan modification request was under review whereas during last call about a week ago with XXXX  I was told that I could not apply for a loan modification or the Covid relief plan. It is recorded and this conversation today is another contradictory statement totally at odds with previous conversation just a week ago. This is absolutely confusing as I am told different things and different statements about my loan modification application status. I need help here as I constantly get contradictory information during every one of my nearly XXXX calls and followups with XXXX and American Financial Network.
Consumer complaint received 2022-06-21
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: Weimark (PA)

I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

WEIMARK Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North American Credit Services (TX)

This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.
Consumer complaint received 2016-07-16
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP (WA)

I received a letter on XXXX/XXXX/XXXX advising me that I owe {$1800.00} to the City of XXXX for Parking Tickets and No City Sticker. This is the first time I am hearing about this and the letter states that my opportunity to contest this has expired. The dates of all of the tickets are in the year XXXX. I have lived in the City of XXXX, State of Washington since XXXX, XXXX. I have not been back to XXXX for at least 10 years. This has to be a case of fraud and I am not the XXXX XXXX who got these tickets. The Law firm is Linebarger Goggan Blair & Sampson , LLP and they have threathen to garnish my wages, my bank account and file a lien against my property. I am XXXX yrs old and receiving Social Security. This company did n't even do their work to verify that they have the right person and have now waited 4 years later to inform me of this. Please help me. Thank you.
Consumer complaint received 2022-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I took out student loans at XXXX years old, having no clue what I was agreeing to. I didn't have parental support and was trying to put myself through college. I took out private loans, having no idea the ramifications and high interest rates. I took out approximately {$31000.00} in private loans and have been paying them for about 17 years. I was told today that I owe {$39000.00}. I have been put into several repayment plans that hurt me tremendously, but this should be absolutely illegal. I would like to have this looked at as I believe there is a legal issue here. If I purchased a car for {$31000.00}, it would be paid off in 5 years. How have I been paying for 17 years and I owe more now. I am struggling to make ends meet and have called them many times. They do not offer any viable options or advising. They give me two options that are both terrible and tell me there's nothing else they can or will do. I am desperate for help. I also have federal student loans in the amount of {$30000.00} that I have been paying on for 17 years as well and haven't even made a dent in, I just owe more now. This feels like complete robbery. How does anyone get ahead in life? I feel extremely wrongfully informed and taken advantage of by Navient.
Consumer complaint received 2016-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

This company is trying to collect on a medical bill that was a result of a workplace injury. Our corporate office made called the debt collectors, paid the debt, and advised them that it was illegal to collect on workplace injury claims. However, this company has continued to report the debt to the credit bureaus even though they say they have no record of me ever having anything placed in collections with them.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Walmart credit card is charging me a late fee. This late fee should be waived. One time as a good faith courtesy. I received letter from them stating that I was UPGRADED. 
in XXXX of XXXX. I never used the card. When I did use it I was not successful. 
I attempted to make a payment on XX/XX/XXXX, XXXX. 

XXXX XXXX XXXX Unbeknown to my attention Capital one Walmart credit card had a block a fraud block! Not allowing me to make a payment. 

I for some reason unknown to me do not receive paper statement in the mail since XX/XX/XXXX. 

I tried to make a purchase and wa denied unknown to me why! 
This triggered me to call and contact them immediately as to why I am not being unsuccessful in using this card. 
Capital one walmart rep said I had a fraud alert on the account. 
I asked why, he gave me a vague scripted answer. 
He said any way you did not make a payment I said ok I will right now. I did so. 
Still would not waive the late fee. 
This is a injustice I should have been notified. 
email tex mail that I had a fraud and or a late fee. 
I would like the late fee reversed.