davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUHOME SOLUTIONS, LLC (KS)

XXXX XXXX from TruHome Solutions has repeatedly called, emailed, called my place of business, my spouse and hand-delivered a notice to our home. We have told the creditor that the account will be paid and caught up in full by the end of XXXX. The Mortgage has only slipped 30 days. The attitude and harassing nature of the calls is not appreciated. XXXX XXXX has asked personal questions and when I refused to answer he stated : " what would you do if someone owed you money ''? We are only 30 days late, we have never been late before, we have a clear plan to get back in good standing. He has been told to stop calling.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my loan.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, Capital One was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff. 

The Attorney Capital One obtained, XXXX XXXX XXXX XXXX XXXX has not done their due diligence either. I never notification from them in attempt to collect a debt.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

I have told them the person they are looking for, XXXX XXXX, is not the owner of this phone number. I even called back and we verbally told my number had been removed. When I asked today who was calling they would never say asked for the same person
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

My wife and I had a loan with Homepoint Financial in XXXX TX. Our home is located in XXXX, PA. The loan was an FHA backed loan. We wanted to refinance in order to remove the PMI that we were paying. We worked with Homepoint to accomplish this. As we approached closing I noticed the estimated payment was really high. I finally determined that they had entered in the tax information incorrectly. They had taken our small local property tax bill and inflated to be almost 6 times the size. That meant our payment was estimated to be {$350.00} more a month than was anticipated. I was told that to revise would push the closing way out, but I could submit the tax documents and get the escrow amounts reanalyzed right after closing. I called and asked how to do that and was informed that it was not something they could do, and that they had to wait three months before they could adjust. While I understand that there may be policies in place, they lied to me in the process of setting up the loan, it ultimately meant I had to bring more to the table to close to start the new loan with a much larger balance. It also means that I am paying extra into an escrow account that will ultimately be overfunded.

If they had been honest up front we could have planned for it. Very disappointed. I did share with them that I would be filing a complaint for their deceptive practices.

I am including e-mail conversations between myself and the folks at homepoint. Who continued to claim it was an issue of them having to pay the taxes but it would not affect the monthly payment. The reality is they collected too much escrow and too much each month.
Consumer complaint received 2019-12-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Federal Financial Services Inc (FL)

I had been making payments for two years on my car. I had a XXXX and was hospitalized. I became 3 months behind. My wife got a job because I became XXXX. All other creditors worked with me wonderfully. Ended up with XXXX I spoke with this company all the time. They always gave vague answers, I was threatened by XXXX XXXX, lied to, my contradicting emails. The impersonated the State of Florida Circuit and Civil court, they made up a fake case number for A state of Florida court. All while I was trying to get a straight answer on " if I make one payment, will you make some arrangements with me? '' There answer was always make the payment and well see, knowing they were already trying to repossess the car. I am also contacting state attorney about the fake written notice from the court that was hung on my front gate.
Consumer complaint received 2022-12-18
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: LEXISNEXIS (TX)

My XXXX XXXX bankruptcy should be removed according to federal law from all credit reporting agencies lexis nexus, XXXX XXXX XXXX XXXX  Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this lexis nexus XXXX XXXX and XXXX. I would like them removed or i will take legal action.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian and XXXX  XXXX XXXX continue to list me as having an active XXXX  XXXX XXXX account, which is actually in my ex-spouse 's name. I have twice filed a dispute with Experian and XXXX  XXXX XXXX, and XXXX  XXXX XXXX rejected my first dispute out of hand ( XX/XX/XXXX) and the second is pending ( XX/XX/XXXX), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this XXXX  XXXX XXXX account. I offered to send proof of divorce or other supporting documentation to Experian and XXXX, and XXXX merely denied the dispute with no reason. When I contacted XXXX XXXX  XXXX directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because XXXX erroneously refuse to remove this account from my report.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I keep getting calls each week from this company ( Portfolio Recovery Associates, LLC ). They are saying that I still owe money on a credit card from years ago. I told them that I had already paid that debt up 2 years ago and that they need to check with the debtor. I even called the debtor ( XXXX XXXX ) to make sure that it had been paid. At XXXX XXXX, they said that I did not owe the company anything. 

This debt was from 5 years ago. I called XXXX XXXX and they said that I owed them nothing. I have 3 current credit cards with XXXX XXXX. 

I told Portfolio Recovery Associates that the debt had already been paid and I told them to place me on their Do Not Call List. They continued to call me anyway about this debt that I no longer owed. 

If they don't stop calling me, I will be seeking a lawyer to sue them.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am XXXX XXXX XXXX XXXX consumer in fact. XXXX received no written expressed consent to allow Bank of America to furnish any information about me or an alleged debt. Bank of America has been reporting that I owe an alleged debt since XXXX. The account is now showing closed when I never closed an account with Bank of America. Bank of American never received my written expressed consent to furnish any information on my credit report.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I submitted a written request to XXXX, XXXX, and Equifax asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, XXXX, and Equifax must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, XXXX, and Equifax is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX 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 Please list my address as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my job as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please
Consumer complaint received 2024-03-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

I XXXX, XXXX the consumer natural person am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX  and XXXX  to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Consumer complaint received 2021-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

I have been paying back XXXX ' XXXX  which go back to XXXX. According to XXXX this loan is forgivable because of age. 
I have contacted Navient numerous times about their non-compliance with the lawsuit decisions. 
I finally wrote to XXXX XXXX, President and CEO, who turned my issue over to XXXX XXXX, Office of the Customer Advocate. 
Ms. XXXX agreed to stop telephone calls demanding payment, as well as mailings doing the same. She further agreed to work with me by sending application materials for loan forgiveness. I've never received the documentation, and telephone calls have been coming in hot and heavy under cover of anonymity, the latest being today, XX/XX/XXXX, at XXXX XXXX  XXXX. 
As I understand the decision in XXXX XXXX, this is not the kind of service I should be receiving.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (OK)

I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.
Consumer complaint received 2023-01-22
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. (MD)

On XXXX XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. In accordance with the Fair Credit Reporting Act 15 USC 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On XXXX XX/XX/XXXX, I requested a reinvestigation of the accounts listed on my credit report with tracking number XXXX. The company failed to conduct a reinvestigation of accounts XXXX - XXXX XXXX - XXXX. On XXXX XX/XX/XXXX, I informed the company that account XXXX XXXX XXXX XXXX - XXXX was charged off as of XX/XX/XXXX. Since then the accounts have been repeatedly updated as charged-off every month. This is an update in the payment history, which to my understanding, charged-off accounts should NOT include active payment history. Additionally, the following accounts were charged off on XX/XX/XXXX and XX/XX/XXXX respectively and the creditors provided IRS form 1099Cs for each account based on paid settlements XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX The above accounts are associated with income and income is NOT to be reported on consumer credit reports. The company failed to delete the inaccurate accounts showing active payment history for charged-off accounts as well as reporting income accounts. Attached are the requests that were sent to Experian as well as the latest credit report Experian provided, showing that the reinvestigation was not completed, that proof of verification was not provided, and that the above inaccuracies were not deleted.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (MA)

Try to solve it using a link on XXXX XXXX ( XXXX ) and it says the information is correct. Which is not, account are older than 7 years and collection agency had altered the dates so it still shows on my credit report. {$1000.00} XX/XX/XXXX, the other one {$2300.00} XX/XX/XXXX. Im just asking for fairness, this is affecting the welfare of my children directly.
Consumer complaint received 2021-08-02
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: U.S. BANCORP (NY)

Someone stole my identity to open a credit card at the US Bank in XX/XX/XXXX. The card was regularly used in XXXX and XX/XX/XXXX and was closed due to no payment. The physical address, phone number, and email address are all fraudulent ones on the US Bank records. I was not in the US from XX/XX/XXXX to XX/XX/XXXX, and I contacted the US bank that this was a fraudulent account. On XXXX XXXX  XXXX, I have signed and filed back the Statement of Fraud the US bank send to me with the supporting document, such as my passport, border stamps, driver license, and other documents to prove I am not in the US when the card was opened and used, and my residency was not the same with their records. The Statement of Fraud also has my signature, which can not be the same as their collections. I also report this identity theft case to the police department and all credit bureaus. I asked 3 credit bureaus to remove this fraud item from my credit report. 

However, I have received reinsertion notifications from XXXX and XXXX on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They said they finished the investigation and the US Bank submitted a certification that the account belongs to me. 

I do not agree with the investigation result and believe the US Bank doesn't even want to try to check the truth.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (CA)

Ive received harassing phone calls, multiple times a day, company refuses to identify who they work for and request information about me ( social, birthdate etc. ). They have contacted my employer multiple times a day including my immediate family and children. I have spoken to the woman claiming to be XXXX XXXX and asked that she no longer contact me and to address any issues via mail. She continues to call multiple times a day to myself, employer and relatives. Company will not state thei babe and their number dies not match any company on XXXX. Their phone number is : XXXX XXXX I would like to file a complaint due to the numerous calls of harassment that are threatening my employment. Please help. 

Calls have been 7xs a day for the past 7 days starting on XX/XX/2018 XXXX
Consumer complaint received 2017-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc. (FL)

I signed up to XXXX on XX/XX/2021 and cancelled after a week after realizing they had a poor user database and my " matches '' were far away from where I am located. I didn't even go on one date from that site. 
I followed the complicated steps to cancel membership which has a different name not " Cancellation '' ... to make sure I even emailed them since they have no customer service and they refused to give a refund/cancel. So I was like okay, I will just let them keep the {$150.00} they charged me already but I'm not paying anything else '' I had to cancel my debit card altogether and get a new one to avoid their automatic charges. Now I see they sent me to a Collections Agency even though I turned off my profile and I haven't used gone to their website or use their services. This is smart XXXX and abusive and they need to be Stopped. I'm trying to buy a house and the least I need is this bad record on my credit score because this company is fraudulent, since they don't have users, they exploit the few users they have. Beyond annoyed!