davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My mortgage loan servicer ditech frequently isn't available during their stated business hours. It says clearly on their website that I can call weekdays between XXXX and XXXX ET, XXXX XXXX ET, and XXXX XXXX to XXXX ET. ( I'm on PST so I'm mindful of the time difference. ) I have to call to make payments because I'm behind on my mortgage and to pay online or over the automated phone system you have to pay the full past amount due. I can't do that so I have to speak with a representative to make a lesser payment. Now whenever I call, their office is either closed or the representative puts me on hold until the call drops and then when I call back they're suddenly mysteriously closed despite the fact that I am calling during their posted business hours. 

I'm mad because if they try to say that I've gone 3 months past due on my mortgage because I failed to make a payment that's on them because they were never there to take a payment and they don't allow me to pay any other way. And personally I find it extremely shady that they force you to pay a specific way and then fail to let you pay that way as if they're trying to force me into foreclosure on my home.
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit calls 2 or more times a day. I block the number but then they use another number this had go on for about a year. I dont remember doing business with them or having any outstanding debts, but they never leave any information as to the reason of calling, they just call and cal Just constantly calling everyday even on holidays.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX, XXXX and XXXX. 

Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either. 

Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX, XXXX and XXXX.
Consumer complaint received 2020-06-09
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: CCS Financial Services, Inc. (PA)

I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score? 

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
Consumer complaint received 2019-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Place me in collections for an original debt of {$180.00} but debt was a Payday loan of {$500.00} or less the {$180.00} is was is left of the original debt. I tried to make payment arrangements but the Collections Agent refused to do so and wanted the entire amount over the phone, right then and there with the promise to remove the debt from my credit report if I did so. What makes it so bad is that the debt was placed on all 3 of my credit on XX/XX/19, I called back the same day to see what the debt was about. It is my assumption that this violates the FDCPA by using fear tactics and intimidation to collect a debt. Also, it says that the account is still an OPEN account.

I " THINK '' I got this pay day loan about 6 or 7 years ago. I am not too sure if they are even the original creditor or not, that was never told o me over the phone. Secondly, I never got ANY notices in the via U.S. explaining about it to my current or past addresses. According to the Collections Agent, he said I paid most of the debt off and ONLY owed the remaining {$180.00} but {$180.00} is NOT the original debt as it states on my credit reports.
Consumer complaint received 2023-01-16
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I had purchases made on my account that I did not make. PNC Bank said that they would investigate once the payments posted. The charge was made on XX/XX/XXXX, and payments posted on XX/XX/XXXX. 

I called on XX/XX/XXXX to check the status of the investigation, and I was informed that no investigation was filed or started. I'm currently out {$1800.00}, and I've been informed that it may be up to 10 additional business days before any action/reimbursement will be filed.
Consumer complaint received 2019-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

This collection company named Phoenix Financial services, there are pretending to collect a debt of the amount {$17.00}, in which it have been paid since XX/XX/2019 with check Num. XXXX {$17.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Phoenix Financial Services has offered a discount to pay an amount of {$14.00}, in which I owe them nothing.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX, XXXX. is continuing to report this negative, closed account within my consumer report.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (CA)

I do not know this company. I have never signed any agreement or borrowed any money or shared my credit information with this company. All known debt associating with me has been settled in full or discharged in full ; through a bankruptcy, liquidation or payment in full within 36 months. I do not know or have any record of any new debt I owe to anyone. No outstanding debts show up on my credit report. This company began sending statements out of the blue. I have sent them multiple Debt Validation requests, Proof of Claim requests and Dispute of Alleged Debt with no avail. They have been leaving voice mail messages to a phone number multiple times, and they wont stop calling. In recent months, I sent two Dispute/Debt Validation requests via certified mail ; one was confirmed delivery on XX/XX/2020, and the other was confirmed delivery on XX/XX/2020. I have not received any response to the debt validation requests / debt dispute notices as of today, but I continue to receive their calls and statements. I dont know how to stop them from calling and sending statements that I do not believe I owe to this company.
Consumer complaint received 2019-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2019-12-29
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: NAVY FEDERAL CREDIT UNION (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

I received a US Bank Reliacard in the mail XX/XX/2020. I did not ask for it, I can not make it work. I think the us government is sending me money via this card, and I am unable to access the funds, and unable to obtain a balance on the card. I tried two different phone numbers, and they are too busy to speak with me, so I am unable to solve the problem thru US Bank. the numbers I tried are XXXX and XXXX. 
So I think my US Bank funds are held up in limbo. Can you contact them and have them contact me so I can use the card and obtain my funds? thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-28
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: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2019-12-28
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: NAVY FEDERAL CREDIT UNION (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2019-12-20
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: CITIBANK, N.A. (TX)

I had a Citi Advantage credit card that was used at XXXX  XXXX  XXXX  one time. After using the card the one time at XXXX, I noticed there were several other rentals that occurred after several weeks after my rental. I contacted my card company, disputed the charges, and received another card. The following month I noticed I had more XXXX  XXXX  charges on my new card. I contacted my card company once again and filed another dispute, and once again received another card. I contacted my card company and asked how were these charges being allowed to go through on my car, and no one could provide me an explanation. I was ensured that the company would place extra protection on my card and these charges would not continue. I even placed a lock on my card. A few months later even with the lock in place, I received more charges on my card from XXXX XXXX  XXXX. By this time I was furious because at this point I believe that the card company was allowing someone at XXXX XXXX  access to my information. I had not made any charges on my card for over a year, and these XXXX XXXX car charges as well as toll charges were continuously being placed on my cards. After receiving about 5 different cards and numerous disputes, and still paying my bill almost off, Citi placed an interest charge on all of the charges I was paying as well as the charges I had disputed. I closed the card, and have since been struggling to get the balance back down, because the card company will not remove the interest charges from the charges that were disputed and supposed to be removed. I recently called and asked why was I still being charged interest on charges that were supposed to have been removed from my card. It seems despite how much I pay this company, my balance seem to not go down. Now I was told on my last phone call that they are charging me interest on those disputed charges because I didn't provide them any documentation of the purchases, and when I explained that I could not provide paperwork I never had, it was like arguing with a wall because the woman couldn't seem to understand that concept. I am not sure if it was a language barrier or what the issue was, but when I called at got an american customer service rep and told them my issue, they hung up the phone in my face, and the foreign customer service reps never answer any of my questions. I am extremely frustrated by this issue because I continue to be victimized by the card company who claimed they were protecting me.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

On XX/XX/XXXX, LoanCare sent me a letter with instructions on where to send future principal reduction payments ( their term is " principal curtailment '' ). On XX/XX/XXXX, I mailed a principal reduction payment to the address contained in LoanCare 's letter from XX/XX/XXXX. On the check itself, it's noted as a principal reduction, on the post-it note, it's noted as a principal reduction and in the letter to Loancare, it's noted as a principal reduction in red letters and underlined. 

On XX/XX/XXXX, LoanCare cashed the check and didn't apply it to anything, just noted it as a payment. I called and left a message with the phone number and extension from LoanCare 's letter to me ( XXXX ) XXXX-XXXX ext XXXX. On XX/XX/XXXX, LoanCare applied the principal reduction payment as 2 future payments and a partial principal reduction ( {$52.00} out of {$2400.00} ).
Consumer complaint received 2019-12-28
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: Stearns Ventures, LLC (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX