davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (MD)

Calls multiple times a day, never leaves a message, never names who they are looking for or what the debt is. Refuses to mail me proof a debt is owed, ( I have nothing in collections. ) Really just needs to stop. If something is in collections is owed, report it, and mail proof, not call XXXX.
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AR)

Received multiple phone calls from Hunter Warfield concerning a debt to a property company with which I have had no dealings. Hunter Warfield attempted to validate the debt and noted that the individual responsible for the debt has a different SSN from me. Hunter Warfield confirmed that the debt was not mine over the phone twice and both times indicated that they would not be contacting me further. I made it clear that any further attempts to contact me regarding this debt would result in reporting Hunter Warfield to all relevant authorities for harassment. A short period of time after the last phone call, I began receiving emails regarding this same debt, at which time I began to register complaints with the CFPB and my Attorney General, gave an additional written demand to cease and desist, and informed Hunter Warfield of my intent register the relevant complaints.
Consumer complaint received 2018-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. 

Thanks, XXXX
Consumer complaint received 2021-04-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN XXXX OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on Transunion and XXXX. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by XXXX points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by XXXX points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by XXXX points for the {$40.00} charge. 

I paid {$140.00} on the same credit card a few days later. My score did not change at all. 

I next paid off my car loan. My score dropped by XXXX to XXXX points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

well I have be fraud my family members even siblings also I do understand why come I had to get my identity stolen. 
my name is XXXX XXXX. and I just want to protect my information. and my I was thinking to get a P.O box because I wanted to not use the address that's XXXX XXXX XXXX XXXX to send any mail there. people there take others mail. so that my mail. will be safe. but as of right not I'm XXXX. college student at this time.
Consumer complaint received 2022-07-08
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. (OH)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

I applied for the XXXX XXXX Citibank XXXX XXXX card. I found out I was denied because they couldnt verify my information. I was confused so I called and they told me to call experian. I call experian and experian said there is zero reason to deny me ( XXXX credit score, income of XXXX, and never have missed a payment ). 

I went around and around until I finally got someone who gave me an answer. One person said my address didnt match what was on the credit bureau.. The other person said it was seniority of addresses on the credit bureau. Either way they clearly were just trying to find an excuse since I had zero reason to be denied. I finally talk to a manager and I explained to him I move every 3-6 months for work and can provide every address I have lived at for the last two years and get verification that I am required to move this often for my job. He refused any documentation and said I would not be allowed a credit card unless I have an address in the future that i stay at for a longer period of time. I said that is impossible.. I would have to get a new job and youre now denying me a new job or asking me to submit tax fraud ( by law I have to pay taxes in the state Im currently working in so I have to change my address everytime my company moves me ). I was denied based on my job and not because of income, credit score, or any true factor of it I was eligible for a credit card. I can not change my line of work and offered any verification you needed and they refused it.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

XXXX XXXX/XXXX/22 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/22 These are not my inquiries I didnt not apply for anything in 2022
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BAC directed us to contact the assigned customer relationship manager ( CRM ) XXXX XXXX, at XXXX, extension XXXX, in order to initiate a short sale review. 

We have called several times and left several voicemails both for XXXX and her manager. Neither XXXX nor her manager will call us back. 

****No one at BAC will follow the direction of their own Resolution Specialist, XXXX XXXX from their Regulatory Complaints department. **** -- -see attached from XXXX XXXX XXXX 

THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
Consumer complaint received 2018-05-04
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: JPMORGAN CHASE & CO. (TX)

I have lodged disputes with Chase and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! 

In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.
Consumer complaint received 2018-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (SC)

XXXX is stating that I owe over {$600.00} dollars in debt to the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX and they do not show a balance on my account. I do believe I paid them slightly past the due date but I did call and settle the bill with XXXX. XXXX is stating that I will still owe the money with them and it could affect my credit. If XXXX shows no balance than there is nothing to report on my credit and no reason that medicredit should still have reason to call my wife and I four times a day.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX  refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}. 
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank. 
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University. 
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 

I have been in repayment status since XX/XX/2018 ( 3 months ).  Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up. 
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX. 

Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't. 
I contacted heartland XXXX  and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Authorization was faxed on XX/XX/18. The request to attach the authorization to the account was made very clear on the fax cover sheet. Fay Servicing is refusing to attach my authorization to the account and is refusing to speak to me, even though the homeowner/borrower has explicitly given us permission to speak to Fay Servicing. We have given Fay Servicing, the Account Manager, XXXX XXXX XXXX XXXX ), and XXXX manager several opportunities to abide by the homeowners request, yet they refuse to do so. 

***Please note that we did finally receive a payoff demand from Fay XXXX so its obvious the DO have our authorization and are PURPOSELY REFUSING TO ABIDE BY THE HOMEOWNER 'S REQUEST. ( See attached Payoff Demand from XXXX and our authorization faxed XX/XX/XXXX ) I want the authorization attached to this account IMMEDIATELY. 

I want an update on the loan modification process IMMEDIATELY. 

I want Fay Servicing fined the maximum of {$1.00} million due to their refusal to service this loan according to Federal and State servicing guidelines. 

CC : XXXX XXXX, Attorney General of California
Consumer complaint received 2018-08-28
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. (CA)

A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. Experian shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Upon pulling of my Lexis Nexus report, by a mortgage lender, they noticed a State Tax Lien. Ive spoken with my county circuit clerks office and looked online repeatedly for this incorrect tax lien and they have no record of it. So again, I went to the XXXX County Circuit clerks office website today and seen again, no such record. They are hindering my ability to purchase a home for something that it being reported on my credit file incorrect. I have attached a picture of the XXXX County Circuit clerks website where it says no information found with the case number!
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with Transunion, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX  shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the fair credit reporting act 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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.
Consumer complaint received 2018-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NV)

Receiving harassing calls, showing up at residence, knocking on neighbors doors etc, company states they don't have my contact numbers ( XXXX ) XXXX XXXX never changed, these contacts are also showing on the portal, I have requested more then once not to call and or bother me @ the residence, I asked that they take the proper avenues legally to protect there interest as Iam awaiting such actions and will be filing bankruptcy. Freedom Mortgage has sent investors at late evenings disrupting residence, I have asked numerous times not to bother me or harass me today again XX/XX/XXXX attached letter taped to my door,
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hi I done an ACH transfer from Santander account by mistake which I never choose overdraft line of credit. I told them clearly I don't want overdraft facility at all they should not procees payment if there is no money but they done that anyway!! 

An ACH tranfer of {$300.00} is {$780.00} in just 2 weeks!! They blocked me logging into my own online account with since I was planning to transfer on Day 1.Below is the attached bank opening document which clearly states I didn't choose overdraft but Santander bank put overdraft facility without me choosing it.