davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NH)

I believe this is scam company known as XXXX XXXX The number XXXX. They are trying to collect on a debt from many many years ago through Comenity Bank card with XXXX XXXX.They are  calling a phone number that belongs to my elderly aunt and uncle in Florida. Their number is XXXX. I have asked them to stop harassing these elderly people with phone calls. I gave them my name and number to call me directly : XXXX. They continue to call my aunt and uncle. I do not trust this debt collection agency. They will not send me anything in writing. According to this company they sent me a summons back in XX/XX/XXXX I did not receive it, my aunt and uncle did not receive. I have dealt with this company at least twice in the past. Same story : summons sent out in XX/XX/XXXX. Now they are harassing my elderly aunt and uncle and I want it stopped. Have Comenity Bank contact me directly and I will be happy to work directly with them. XXXX XXXX company also refuses to accept any small payment via a money order on a monthly basis. I have no idea how much the debt is for. I can not remember. Please help. Stop these unwanted harassing phone calls to my aunt and uncle. 

I appreciate your time and look forward to your response.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

I received a notice from XXXX XXXX  XXXX bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My spouse passed away on XX/XX/18 after an unexpected illness. They established an executed Living Trust, Power of Attorney For All Assets and Last Will & Testament clearly indicating that I am the sole Executor of their estate. For over 1 1/2 months I have been in contact with Capital One to gain access to my legally owned accounts since they become my property immediately at the time of their death but to no avail. Pursuant to Capital One 's request, I provided a copy of the official death certificate as well as executed copies of the Living Trust, Power of Attorney and Will. However, Capital One claims they do not accept executed Living Trusts even though it is an appropriate legal document. The other 8 financial institutions I needed to deal with readily accepted all of these documents without issue. After numerous phone calls and emails, Capital One required I resubmit my " Letter of Direction '' 3 different times after requesting changes as well as requiring a notarized/executed " Affidavit For Small Estate Transfers Without Probate ''. I have been informed that my " Letter of Direction '' is now acceptable, however, they keep requesting the notarized/signed Affidavit For Small Estate Transfers Without Probate that I have sent to them on 4 separate occasions, please see attached email copies PDF. I am filing this complaint due to Capital One 's unwillingness to resolve this matter in a timely and professional manner.
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Flagstar Bank, N.A. (NC)

On XX/XX/XXXX Flagstar Bank ran a hard inquiry on my credit without my consent. My mortgage is already with this bank and has been since XX/XX/2022. There was no need in my opinion for them to run my credit now, and they certainly didn't have my permission to do so.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

I do not know who National Recovery is or why they are on my credit report. They have never sent me any written notification of a debt owed. They have also never sent me any verification of the accounts when I disputed them with National recovery! I do not know why they are on my credit report, but I know they are damaging my otherwise immaculate credit profile, for no reason at all, that I can see! Please help me, my husband and I are trying to move to a new home soon, and these showed up on my mortgage report, and that's how I found out that I do not qualify for a mortgage and what a National Recovery account was! The collection account that's over {$1000.00} is stopping me from fulfilling me and my husbands dreams, and I don't know why they are even reporting! They HAVE NEVER sent me anything, you would think for a debt over {$1000.00} they would send me something!!!!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (NY)

B

ack in XX/XX/XXXX, I sent Experian a dispute challenge letter. In reference to account : ( XXXX XXXX XXXX ) I've asked the company to delete this account for the following reasons : as of today XX/XX/XXXX, Experian still reports this account as verified and updated, which is inaccurate and a violation. : Balance currently being reported is inaccurate and a violation ; account must be deleted. : Last date of activity currently not being reported or reporting inaccurately ; a violation : account must be removed. : Last date of payment was made in XX/XX/XXXX of which my bank payment reflects, while Experian report shows last payment made was in XX/XX/XXXX. this is inaccurate reporting, account must be deleted and is in violation.

: Account does not report date account was closed or charged off. This is inaccurate reporting and violation, account must be deleted immediately. 

: Account continues to report multiple charge-off or negative after account has been closed or charged-off. an inaccurate reporting and a violation, account must be deleted.
Consumer complaint received 2020-02-18
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: EQUIFAX, INC. (NJ)

On several occasion I have submitted proof to XXXX, Equifax and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I was treated in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, NC. ) I am covered under XXXX XXXX XXXX and XXXX and NC XXXX XXXX since XXXX. Apparently 2 invoices of NOT paid were sent to Bull City Finance in XXXX NC for collection. I went to XXXX billing dept and obtained Paid in Full Invoices for All bills pertaining to me. I do NOT owe ANY bill at XXXX XXXX XXXX. I sent 2 copies of the paid invoice to Bull City. No Response at all for 3 months. I ask Bull City for verification of debt. They sent me collection info on a XXXX XXXX XXXX. ( Total stranger to me ) .6 pages. These collections remain on my Credit reports all 3. This account was settles in XXXX XXXX.per XXXX XXXX XXXX . Bull City continues to report this debt to credit agencies and this is NOT fair. They refuse to acknowledge me at all. I have disputed with XXXX, XXXX and XXXX 7 times, still Bull City maintains that I owe this I do NOT. ps NEVER have I received any statement what-ever from Bull City , ever. My credit score and life is suffering from their out-dated, incorrect information. Not to mention H.I.P.P.A violations pertaining to XXXX XXXX XXXX. I have her entire Medical History and charges.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The only reason I am submitting this complaint here is because the last time I went through the bank, they refused to help me. However I am once again having an issue with overdraft fees. My account with Bank of America was intentionally overdrafted one month ago around XX/XX/XXXX and I accepted the penalty. However, after the fact some automatic payments were taken out and reversed due to lack of funds. However despite being reversed, I was still charged an overdraft fee for each payment. A total of 4 payments were charged overdraft fees despite them being reversed soon after. And it appears there is a 5th pending. Obviously charging XXXX+ dollars on an already overdrawn account is an issue. I just need to have these charges reversed. All of the payments bounced so there is no reason for the fees. Attached are screenshots of my account and every transaction since the initial overdraft.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (NJ)

On several occasion I have submitted proof to Experian, XXXX  and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER COMPANY
Consumer complaint received 2023-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ive received a property tax exemption for my home mortgage due to being a XXXX  % XXXX XXXX, after submitting my updated information multiple times to PHH mortgage, XXXX XXXX XXXX XXXX XXXX nj, multiple phone calls which get disconnected or transferred out to call centers as well as the operators hanging up, lacking proper information about my account, and unable to assist me, as well as a reimbursement check from The previous end of year quarter never received. 
This company has over 430 one star negative reviews, and yet continue to operate.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My HSBC personal account and business account has been hacked since XX/XX/XXXX. I notied today. There were several transactions to transfer fund from my accounts to unknow accounts. I called HSBC security dept. I was told that someone login from New York to do the transactions. I am currently in XXXX. I have not login my account for almost a month.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly
Consumer complaint received 2017-06-06
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. (AZ)

XXXX   XXXX   XXXX   XXXX   {$680.00} Neither the collection agency or the bureau Experian has validated the debt.
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Under   XXXX   it says the account name is unknown the only thing that was close to matching the debt under Experian is the dollar amount and the incomplete account number and under   XXXX   the account name is   XXXX   XXXX   XXXX   limited again the only thing close to matching the debt under Experian is the dollar amount and the incomplete account number
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (PA)

To whom it may concern, A collector ( Midland Credit Management ) called my employer to reach me regarding a credit card debt. 

Date : XX/XX/2020 Amount : Not disclosed Action : Representative marked the call as solicitation.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (WI)

My mom purchased a 2018 XXXX XXXX in XX/XX/2018. In XXXX, she had a XXXX. She suffered many injuries & we do not know if she will ever drive again. She is on SSI & XXXX. I am her POA & I've been trying to make arrangements with XXXX XXXX. I have two options : a voluntary surrender with the bank auctioning off the car, or selling to a 3rd party. The dealership has offered to purchase the vehicle for {$15000.00}. When the service agreement & gap coverage is refunded, she may still owe {$4000.00}. I requested that XXXX XXXX let us sell the car back to the dealership and we will work out a payment arrangement for the balance. 

XXXX XXXX  has refused this offer and refuses to release the title to the dealership. They insist that we voluntarily surrender the car & my mom will have to pay all the fees associated with the auction. Auctions tend to get less money for a car that a buyback from the dealership. I've talked to someone in the executive office and they would not explain to me why they would release the title in an auction and not in a 3rd party sale. They are refusing to work with me to reduce my mom 's debt. Chrysler also called me at XXXX XXXX after I specifically asked them not to call before XXXX XXXX Mountain time. 

When my mom purchased the car, her loan came with a 14.5 % APR. She owes {$23000.00} for a vehicle the dealership values at {$15000.00}.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (NJ)

XXXX  EXPERIAN Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I contacted Navient by phone in XX/XX/XXXX after i withdrew to stop my loan and they agreed to do so.i also asked about the income based plan and was denied. Instead I was given the option of deferrment. I contacted them again in XX/XX/XXXX when i saw that they had turned it in to the XXXX. I was informed that another loan had been disbursed under my name which I informed Navient and the School that that was fraud. They blew me off like it was nothing. I contacted them again in XX/XX/XXXX after i disputed it on my credit and asked again can I get on the income based plan. Once again you are not eligible but we have something called forbearance. I never agreed to deferrment or forbearance in which I was placed. I was enrolled into XXXX XXXX XXXX XXXX in XXXX Missouri which seems not to exist because I can't find any info on the school
Consumer complaint received 2018-08-09
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: EQUIFAX, INC. (TN)

I have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.
Consumer complaint received 2021-07-22
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: Credit Technologies, Inc. (MS)

Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION XXXX  Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.
Consumer complaint received 2022-03-25
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. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.