davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

Grant and Weber and XXXX XXXX XXXX have several accounts showing on my credit report after I had disputed it once and it was removed back in 2014. When I contacted Grant and Weber one week ago to inquire about the items listed on my credit report, he couldnt even provide the original amount that was owed because the XXXX XXXX   was charging me interest, is what he said. I explained that I had disputed this once before and it was removed, he was very rude, put me on a hold penalty, because I was over talking him. I asked him to provide the original creditor, he couldnt even provide it and he told me to contact them directly. I then said, how can I contact them directly if I do not have the information ( ofcourse by then, I was very upset ), he said I needed to write a letter to request information. I told him I was going to report him. Please ask to listen to our conversation as it was being audio taped. There are 4 different accounts listed by Grant and Weber and one from XXXX XXXX. I contacted the only hospitals I have attended and they do not have anything listed as being sent to the credit bureaus. This information would apply to all three credit bureaus. Please look into the matter and help!
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NJ)

I received a letter fro m Firstsource Advantage LLC dat ed  XXXX    XXXX ,2017  stating that an account (  XXXX   XXXX  Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On  XXXX   XXXX ,  2017  I sen t Firstsource Advantage LLC a letter that t hey received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Receivable Solutions (TX)

Call Professional Receivable Solutions LLC about a letter received trying to obtain {$570.00} for a music equipment that was turned in to a school district 5 years ago. They were extremely rude and would not verify and validate the music equipment was turned in.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

On XXXX the car dealership CarHop in XXXX Colorado sent a third party Repo Company to repo my car I was financing with out my permission they gave my information to a third party company with no written or voice permission Part of Constitution 15 USC 1692 F and 15 USC 60802 Both violations from the dealership in the same day hope everything gets taken care of I am just protecting my rights
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a XXXX XXXX XXXX loan, Bank of America did not credit the funds that XXXX XXXX   and I paid towards my mortgage principal. Therefore, my mortgage balance is incorrect. Bank of America is foreclosing on my home eventhough the mortgage was not properly credited.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX  after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (PA)

Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.
Consumer complaint received 2023-03-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

who is XXXX who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Made a purchase of {$31.00} on XXXX/XXXX/19 on my XXXX credit card. I paid {$31.00} on XXXX/XXXX/19 ( which was late ) so I paid an additional {$27.00} on XXXX/XXXX/19. Ever since I have been getting additional bills that assess a late fee for the late fee that I didn't pay on time and now my bill is at {$120.00}. The credit card company agreed to close my account if I paid an additional {$34.00} which I did but the whole situation feels incredibly wrong to me. 

My account is now closed as of XXXX/XXXX/19 but I have paid {$61.00} in late fees for a {$31.00} purchase that I should have paid in cash. 

How do the credit card companies get away with charging you late fees for late fees when the original bill has already been paid off?
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (SC)

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

My mortgage transferred from XXXX to Flagstar in XX/XX/2019.  Around XX/XX/19 I made a call to Flagstar bank for clarification on my escrow account and the mysterious {$40.00} advance fee on my statement. At first the rep at Flagstar said the fee transferred over from XXXX. I advised her that is not true and demanded that she tell me what the fee is for. The representative then said that often when loans are transferred someone will come out and access the property. I advised the rep that due to my disability,  we are always home and no one has been out to access our property. She kept pointing the finger at XXXX and then told me that I would have to send proof the fee wasn't on my statement prior to the transfer of my loan to Flagstar. I kept several statements prior to the transfer and emailed proof per their request to : XXXX. I feel like this is a scam and they are intentionally trying to rip consumers off! Imagine all the loans transferred in the pool to Flagstar and multiply that pool amount by {$40.00} ( advance fee ) for each new loan. I want this fee removed and this company needs to be looked into carefully! What if I didn't save my statements from my previous lender? I feel they are taking advantage of consumers and it needs to stop!
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OpenRoad Lending (TX)

Open road auto shared my information with XXXX XXXX and subsequently they did to XXXX without my approval. I applied to refinance my car in XXXX when they received my information but the issue in question is from XX/XX/XXXX and I did not apply for any credit then. XXXX XXXX gave me their information but I was unable to contact them after waiting on the phone for more than 10 minutes twice on XX/XX/XXXX.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I in error sent an electronic payment of {$5700.00} to XXXX XXXX credit card XXXX issued by Citibank , NA. My bank XXXX XXXX XXXX told me because the credit card was cancelled due to non activity, CitiBank is required to return the money to my XXXX account in XXXX XXXX XXXX days. On XX/XX/XXXX, I sent the following letter by Certified Mail. The letter was received accoring to the US mail service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX Citibank Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX issued by Citibank to Ian A. Anderson ( Closed by bank due to inactivity ).

Attached are copies of : PROOF OF PAYMENT and MY BILL PAY for {$5700.00} electronic draft, sent from my bank, XXXX XXXX XXXX XXXX XXXX XXXX Citibank, XXXX XXXX, XXXX. Confirmation XXXX, XXXX # XXXX This was an error on my part and as of today my bank nor I have had this money returned to me.

Please return the money to via check or electronic transfer to my bank.

Routing Number : XXXX, Account Number : XXXX. 
Your attention to this matter is very much appreciated. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WI)

We started a refinance of our current course of construction loan with Loan Depot. We were told by their representative that they would only be charging us {$35.00} to run two reports and we would have to pay for an appraisal even though it was a Brand New Home. We wanted a VA loan but were told our house couldn't get one because they kept calling it a Condo which wasn't true as I had also contacted the VA and they also said we could get one but we were then told by Loan Depot we would have to hire a lawyer and have the description changed. The appraiser they used was unqualified to appraise the house in the community we are in so he ended up appraising it for between XXXX to XXXX under value. As if this wasn't bad enough my wife and I were Veterans. The mortgage company keep delaying and delaying even though we had a move in date on XX/XX/2019 on XX/XX/2019 my wife died in the XXXX XXXX XXXX Hospital due to incompetent treatment.  Loan Depot then immediately turned down the loan, as I was her primary care giver I feel we were penalized because of this, as if this wasn't bad enough a XXXX XXXX incurred charges with my HOA of {$100.00} without our express consent. The HOA invoiced Loan Depot the {$100.00} but Loan Depot refused to pay. To date I have called them several times and email them as well to include contacting the original agent we spoke with XXXX. We have been ignored every time. After 5 months the HOA is now billing me for the {$100.00}. It's bad enough having your wife of 27 year pass away   from incompetent VA employees but then to have Loan Depot run around incurring charges without any knowledge or authorization nor fully disclosing this fact is in my opinion nothing more than deceptive practices. I am hoping your agency can get us our money back.
Consumer complaint received 2019-10-10
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)

Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX CARD XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today I called up Bank of America because when I was reviewing my offers online it said that I needed to contact the number on my credit card to activate offers. I proceeded to call Bank of America and asked them about it, and they said that my account needed a review and that she could do it now. So I agreed. She did not inform me that something negativa could occur. I thought they just wanted to update income and address and stuff. 

Anyways after the call she said that they will be decreasing my available balance of {$12000.00} to {$800.00}. Mind you I had just paid off like {$8000.00} on this credit card to help my credit score.  Then they lower my credit limit which will surely affect my revolving credit and I will be less likely to get approved at decent rates. Seems like a scam the bank would profit off of, by damaging your credit score so that they can charge you more interest on auto loans and such. 

This is very upsetting, due to I recently had a premature child, and I had expenses because my wife had to stop working. Now that I am able to pay larger amounts back they take away a credit line if I needed it in the future. 

Very bad business! 

Sincerely, XXXX
Consumer complaint received 2019-10-10
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. (NY)

Experian keeps reporting inaccurate information on my credit report and refusing to remove it. I disputed 2 items XXXX XXXX and explained to them I NEVER had a XXXX XXXX account and provided proof of my identify via mail. I am currently identified as 4 different names on my credit report and provided proof such as my marriage license and birth certificate that I should be recognized under 2 names only ( maiden name and married name ). So by them making the proper adjustments on my name, that will show proof I NEVER opened a XXXX account this year or any year for that matter. Not to mention, I've NEVER even had my own mobile account as I've always been under my husbands plan. Also, they are reporting XXXX XXXX which is a collections agency that was under litigation with me in court. XXXX removed this from my account, but Experian is still reporting this. They ( collection agency ) had taken me to court and I WON the judge ruled in my favor and I expressed this and it's still on my account. My husband and I are in the process of buying our first house and this inaccurate information is affecting my future.
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I dont owe XXXX XXXX  {$170.00}, my insurance paid for everything. Therefore, I suggest you that you stop harrasing me. If you have any questions contact my health insurance. On the other hand, also XXXX XXXX  broke the contract with me and my insurance. Furthermore, I dont have any responsibility with Credit Collection Services.
Consumer complaint received 2018-07-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Complaint Against : SELECT PORTFOLIO SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Reference Account : XXXX XXXX SPS Account # XXXX XXXX XXXX Account # XXXX Mortgage MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX COMPLAINT OVER MORTGAGE NOTE ALREADY PAID IN FULL This complaint is to request Select Portfolio Servicing Inc to open a investigation regarding mortgage note loan MIN # XXXX of XXXX XXXX Account # XXXX signed in 2006. 

There is a clear misunderstanding with this Mortgage Note that was already PAID in full. But the servicing Bank continue requesting payments and trying enforce a lien over a note that has already been paid by the borrower to the original lender. There is serious fatal errors with SPS accounting servicing regarding this account # XXXX. 

I request the servicing bank, Select Portfolio Servicing investigate this misunderstanding and solve this matter as soon as possible. The mortgage Note has been paid in full to the original lender XXXX XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl   XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: PNC Bank N.A. (FL)

The loan is through PNC and serviced by XXXX XXXX XXXX. On XX/XX/XXXX I submitted a loan modification application, which was immediately denied for a few reasons, one of which was not submitting pay statements for myself and my cosigners. The issue with that is the language on the application is vague, saying : Required Materials : XXXX may require you to submit financial statements. When questioning this with XXXX on the phone a supervisor agreed that this was ambiguous. I had to submit a new application, and did so on XX/XX/XXXX. This was denied, because on the financial statement for myself and my cosigners they have a line for a second employer and second income. We left that black, because none of us have a second job - however, PNC apparently requires something in every field or the loan is denied, even though that was never communicated to me either by a representative or on the application. I now have to submit the application a third time, but now the loan is 30 past due and I risk negative credit reporting. I feel as though PNC and/or XXXX is making this process intentionally difficult.
Consumer complaint received 2023-03-20
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX