davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me out
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

My mortgage was purchased from  Bayview Loan  servicing in  XX/XX/XXXX    while I was in a chapter  XXXX  BK. I completed the bankruptcy  XX/XX/XXXX . I have repeatedly tried to discuss my account with them in reference to them reporting to all credit bureau that my account was past due ( even though it was not and if it was they can not report while a person is in bankruptcy ) they were reporting the mortgage as closed and I was not receiving a monthly invoice. I also made multiple payment that they were putting in a suspense account instead of applying it to my mortgage and my escrow account that I was short. On numerous occasions I was advised they could not discuss my account because of they Bankruptcy status. I was asked to fax over proof the BK was  discharged which I  did but they said they never received. I called my attorney who sent over proof and then they stated they needed proof from the courts. After becoming irate and someone finally listening to me they sent my account to the escalation department last month (  XX/XX/XXXX   )  where I gave all my concerns to  XXXX . She informed me that she will research and get back to me. She did call me back and advise that the credit bureau has been corrected my account is in a current status. and I will start to receive monthly invoices. I just received my  1st i nvoice  XX/XX/XXXX  and to my surprise it shows I am past due {$1200.00}. I then called to get an explanation and was continually transferred to a generic voicemail for a  XXXX . But I hung up and call back 3 times and finally a  XXXX  answered I explained my concerns he advised I am current but when I question why did I receive a invoice showing the {$1200.00} past due he advised me that while I was in bankruptcy I was late or fee was accrued. I explain before my BK  was discharged the cou rts sent a letter stating if any fee or past due payments is due they need to respond because my BK was about to be discharged.He then became combative and said I need to fax in my dispute. I advised no I need to speak to  XXXX  in escalations because she assisted me last month. He then lied to me and said they do not talk to customers and I need to fax in my request.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian has with no explanation blocked me from calling writing a letter or online to check or dispute my credit report they keep telling me its not there problem. And when I confronted them by phone on hard inquiries the did n't have any information on the inquiry other then my name with it no social security number or date of birth they are letting companies check report without proper proof I asked them to check my report they will not fix the problem some of the companies I contacted didnt even have me on file I even applied for credit ever, and some companies I try to find are not even a company and the number on the reports for the companies are disconnected and they will do nothing about it.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (NY)

I was told that this card was open back in 2017 for the amount of {$300.00}. by XXXX XXXX CARD. THIS debt was bought and sold to Spring Oaks Capital LLC. I have repeatedly asked them for a copy or proof that I have sign for anything, something. Spring Oak has not provided me with a copy of my signature on anything. without my signature there is no proof that this card belongs to me because I have never opened this credit card. I have sent written note and mail to them but to no avail. this is still on my credit report, and I would like to have it removed. this is affecting my everyday life of applying for a loan of lower rate.
Consumer complaint received 2017-05-16
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: Experian Information Solutions Inc. (NY)

Fraud  on account   XXXX   and   XXXX   keeps changing the account numbers looking like there is multiple fraud cases but actually does this to keep breaking the block that was issued to my account with the police and identity theft report on file. On   XX/XX/XXXX     XXXX   in experian on a three way call to  XXXX  with myself and a women from fraud dept named  XXXX  deemed the  XXXX  and its charges fraud  XXXX .  XXXX  said  XXXX   XXXX  have your permission to permanently block this account she said yes. It was blocked and unblocked again by  XXXX  and experian refuses to keep it blocked. Now this is fraud. On   XX/XX/XXXX    XXXX  told me experian had a signed application from me opening account but did n't see it and could n't verify it and the account in question bears a totally different name with my social so how is that verified. The day on the phone  XXXX  said none of my info matched my complaint is against experian I pay go monthly identity monitoring and protection they head for hemselves the account is not in my name, but can be verified lies and experian called got confirmation from  XXXX  and told me I have no rights. Legally I thought I did! I am also on   XXXX   limited income. Also on   XX/XX/XXXX     XXXX   alerted experian that a totally different name appeared to my credit report due to   XXXX    card being unblocked and reporting fraudulent name to an account and social and warned them also and this alert locked me out of both credit bureaus because I was known as someone total else my address changed and name and I had to send proof if my identity to which I did to correct issue and experian still kept block off your kidding me.
Consumer complaint received 2017-05-17
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. (MD)

I previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.
Consumer complaint received 2024-09-07
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. (OH)

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (GA)

This compliant is being sent to Nations Recovery Center in response to a listing on my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company, and a bill is not  a contract for an alleged debt.     At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) th is action might constitute fraud under both Federal and State Laws.     Which are is Violation of the following : The Fair Credit Reporting Act The Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this compliant, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Consumer complaint received 2023-05-08
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I called Equifax and spoke to representative XXXX her id # is XXXX regarding removing hars inquiries XXXX XXXX XXXXXXXX and XXXX XXXX. I didnt not authorize or had knowledge of these items on my credit report as well as collections XXXX XXXX and XXXX XXXX XXXX which had been removed from XXXX and XXXX XXXX Reports have been made previously and came back verified and remains and this is in violation of FCRA us code 1681B 1692 C and 1681 c and c-2. Numerous letters and complaints have been sent and no response or corporation has been given
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

My   XXXX   XXXX   XXXX   XXXX   account ( ending in  XXXX  ) was closed on       XXXX   XXXX  2017      due to late payments. I received a call from a Navy Federal Credit Union Representative at   XXXX  ext.  XXXX  . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on  XX/XX/2017    ; {$880.00} on  XX/XX/2017    ; {$740.00} on  XX/XX/2017    and {$360.00} on  XX/XX/2017   . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on  XX/XX/2017    ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the  60days  policy was true and that it was n't a  30days  policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the    XXXX   XXXX   XXXX    in  XXXX ,  XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on     XXXX   XXXX  2017    ,  I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing  30days  from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On     XXXX   XXXX  2017    I contacted the representative at ext.  XXXX  again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr.  XXXX  at  XXXX  who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at  XXXX  did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e.
Consumer complaint received 2017-05-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because  XXXX ,   XXXX   XXXX   and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

Chase mislead my expectations when I applied for their  Chase Slate card to p erform a balance transfer. During the application process they asked for the amount that I would like to transfer, and upon completing the application, I learned they gave me a lower limit than the transfer amount I requested. Obviously, credit card limits are based on a clients ' credit worthiness. So, why would you ask me for the amount I would like to transfer, if that does n't have any bearing on the limit I will get on the card? Now, I 'm expected to ask for a credit line increase which will count as a second hard inquiry, and again, it was n't increased to the amount I asked to transfer. In essence, do n't ask your potential clients how much they plan to transfer to yo ur Chase Slate card  because the card limit is not based on the transfer request, but on their credit history, like any other credit card! I expected to receive a balance transfer of {$6400.00} and was subsequently approved fo r a Chase Slate card with  a limit of {$2000.00}. I spoke to their representative, and they said I would have to ask for a credit limit increase and I was approved for a poultry {$400.00} ( new limit {$2400.00} ). In what way does this " balance transfer card '' ( misrepresentation of this product ) help me eliminate the entire debt balance I was hoping to transfer? Simply speaking, if you had n't asked for the transfer amount I would have like, this situation would be less frustrating because I now ha ve 2 inquiries a nd a reduce d credit score for a pro duct that mislead my expectations. Alas, thank you, for misleading me into completing the application for this credit card disguised as a balance transfer card.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MS)

The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (SC)

In  XX/XX/XXXX    we notified  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  that we were moving and they scheduled to pick up their trash can. We moved to   XXXX   XXXX   and  XXXX  failed to pick up the trash container.  XXXX  then billed us for the container {$70.00}. We contacted  XXXX  and they filed a lost/stolen container report and assured us they would not collect any further. A couple months later, we received another bill for {$70.00}. We contacted  XXXX  and they filed another lost/stolen container report. They then turned the account over to Collections. The  Collection Service will not cancel the debt as they claim it is valid. The Collection Company is Coast To Coast Financial