davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Avant Credit Corporation (MO)

In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

Financial Institution ( Navy Federal ) has conducted a XXXX Dispute with all transaction associated with XXXX Card ending in XXXX and Cash Rewards ending in XXXX, without notification to customer. Merchants affected by XXXX Dispute has started to reach out to customer, XXXX XXXX demanding payment because transaction has been disputed and funding pulled. Navy Federal is still reporting balances to credit bureau and requires customer to pay off balances from transaction that they have pulled back funding from. 
Customer is currently trying to work with merchants to pay amount owed due to disputed transactions. Please have Navy Federal Credit stop collection efforts, monthly balance statements and credit reporting on balances that no longer exist. 
Also, XXXX Report is being requested to acknowledged all transactions that has been disputed by Navy Federal.
Consumer complaint received 2018-05-08
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: JPMORGAN CHASE & CO. (FL)

Spoke with creditor back in XX/XX/XXXX and XX/XX/XXXX in  regards to removing the fraudulent hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Creditor stated that they would remove all inquiries and till date it still shows up on all three creditor report.
Consumer complaint received 2023-02-10
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. (TX)

Make mountly payment befor its late and but one payment on XX/XX/2023 payment is showing late on credit report. I tried to make payment before 30 day mark using automated system but was not granted access until after which cause payment to be late. I call to XXXX and XXXX XXXX  said they could not do anything
Consumer complaint received 2021-06-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-02-25
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 — Investigation took more than 30 days
Company: ARS National Services, Inc. (MA)

On XX/XX/2020 ( I sent via uspo mail ),  several 'Debt Validation letters to debt collection agency XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX. requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the Collection agencies failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence
Consumer complaint received 2023-02-10
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. (NY)

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

On XX/XX/2020 I sent an updated county and municipal tax bill to Ms. XXXX XXXX as instructed by her to lower my mortgage payment. The property address went to tax appeal. as a result, the house value was reduced to {$210000.00} from {$360000.00}, which greatly reduced the taxes of the property. As of todays date, XX/XX/2020 I have not received a response from Ms. XXXX XXXX. I  then called the corporate office of Community Bank and spoke with the loan department about this issue. The person I spoke with advised that Ms. XXXX XXXX should have sent them the updated tax forms. But, they never received the new tax bill. I asked the loan person that if I were to fax the new tax bill, would it reduce my bi-weekly loan payment. She advised it depends if they were able to do a new escrow alliance. My complaint is that if the new tax bill was sent when I e-mailed it to Ms. XXXX XXXX, I believe the new bi-weekly mortgage payment would be reduced.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My Capital One Credit card cycle runs from the XX/XX/XXXX of each month. This past month, XX/XX/XXXX- XX/XX/XXXX, I made a payment of {$250.00} on XX/XX/XXXX and paid the full amount left on the credit card ( {$6900.00} ) which made the card have a {$0.00} balance. I then received an email stating that the amount owed was {$110.00} which was the interest charge for the month of XX/XX/XXXX. The account was at a zero balance and was paid before the statement cycle ended and I should have not been charged any interest on the account. I spoke with a customer representative for the company ( the representatives are located in the XXXX ) and he informed me that I had to have {$0.00} balance for two months in order to not get charged any more. They would not reverse the interest of {$110.00} and told me I must make the payment, which I reluctantly had to do because I did not want to have to pay interest next month on the interest for the previous month. This is a deceptive practice by Capital One and their credit card company. Even though I was told I would not have to pay anything the following month, I am afraid they will charge me interest again on the interest I already paid.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

In XXXX of XXXX, the amount of XXXX dollars in the Wells Fargo bank became missing out of my account. So a couple of months earlier was on my way out of the bank one day and the bank manager came out of her office an said that she need to change the withdrawal fee for my ATM card ... Never thinking anything about .... went into the office took care of it an I was on my way out ... later i keep noticing that my funds wasn't they should have been ... so over the last couple of years i tried solving it myself. But nothing, but just this pass year XXXX, I notice i could get into my account the bank sent me a message to go paperless and i could get into my account that way ... So when i finally did get into my account where it was showing that the XXXX was showing it was taken out my account page was change with another account that i own the bank ... so as i continue to check the account it was maybe the end of XXXX or XXXX they Bank remove all the information and replace pieces of my account with a joint account an a line of credit account ... And they just did all these changes this past year like they was trying to cover up something ... I deposited XXXX into the this account an with them taking the XXXX out they have it as though i only put XXXX they have change a lot on my account ... each account has different windows to open them their showing all these accounts on mine ... Another thing when i try to signing on to my bank account with phone it states that the user has not granted this App permission to store this file .... never had this problem before cause my phone works just like a tablet ... I really need your help .... Thanks
Consumer complaint received 2020-02-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I had requested citi bank accommodate my XXXX. 
Each time I requested I was hung up on for not articulating whcih product or service I was seeking access to. I was seeking equal access to all goods and services under the ADA. 
Citi refused the interactive good faith process when requested. A supervisor told me the citi bank did not have to state the policy regarding accommodating the XXXX under the ADA. I was not able to be accommodated nor was i able to open any account due to being XXXX. I had sought effective communication under the ADA
Consumer complaint received 2020-02-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PNC Bank N.A. (TX)

I received a message from Ms. XXXX stating that I was going to be charged with Theft by deception as well as fraud due to the repossession of a vehicle from approximately 10 years ago. She stated my driver 's license number, my birth date, and gave information on my current vehicle and let me know that because of this I would not be able to renew my registration and my license would be suspended. When I called back I was told they will be serving me papers for court and that this is the last time they will try to contact me even though I have never heard from them before and they refused to send a validation notice.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-15
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (WA)

Mr. Cooper  aka Nationstar was not been reporting my mortgage payment history since they took over the loan in XXXX, XXXX. I have spent the last 9 months trying to get them to report it retroactively but have only succeeded in getting them to report as of XXXX, XXXX. I have made multiple requests each month since then and each time they promise to resolve it and each time they do not. This is their legal obligation to report correctly under the Fair Credit Act, and yet they continue to fail at resolving this.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice CPA for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Spoke with XXXX XXXX about this hard inquiry on my equifax report, I dont have account or have credit or inquiry for XXXX XXXX in their system. 
Spoke with equifax to please remove hard inquiry multiple times they continue to report it on my equifax, XXXX there is no hard inquiry but equifax continue to report it.
Consumer complaint received 2020-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MN)

My mortgage was purchased by, and transferred to LoanCare on XX/XX/2019. I chose to refinance my mortgage with a different lender before the 60 day grace period was up. I didn't make any payments to LoanCare, since the 60 day grace period would end after the Mortgage was paid in full. On XX/XX/2019, LoanCare reported a Delinquent Account to credit agencies. My loan with them was paid in full on XX/XX/2019. 

I contacted them to ask why they had reported that, they said they didn't know. I asked if they could remove that report, they said they would escalate the complaint and a manager would contact me, I have not been contacted since. This has severely affected my credit rating. I am working on disputing with the credit agencies, but think they should be held accountable for reporting this during the mortgage transfer process, and 60 day grace period.
Consumer complaint received 2020-02-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (NC)

I received a call from a company called XXXX XXXX XXXX XXXX ( XXXX ) alleging that I owed a debt to Santander Consumer USA for a vehicle that I owned and was totaled in 2006. The rep from XXXX XXXX XXXX XXXX ( Ms. XXXX ) threated to garnishee my bank account, sue me and summon me to court. 

I currently own a vehicle financed by Santander Consumer and I called them regarding this issue. Although there was a debt for the totaled vehicle as the insurance company did not pay the full amount, the Santander rep advised that XXXX XXXX XXXX XXXX is NOT the company I should contact. The debt was in the sole custody of XXXX XXXX XXXX which works for Santander. I contacted the company per Santander rep and paid an agreed amount not paid by the insurance company for the totaled vehicle. 

XXXX XXXX XXXX XXXX continues to call me though they are NOT affiliated with Santander in any form.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
<P/>
To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I logged onto my Credit report, and I see that I have a debt from " XXXX '' that started:XX/XX/XXXX ; the debt company is located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX ; I contact them and they indicate that's it an account about XXXX XXXX XXXX, yet they can not tell me any details about the debt in terms of what they amounts are for - bill, equipment, months deliquent, etc. In Short, they can not validate the debt. In addition, they tell me the the account has been bought by another debt collector - yet they don't have the number. I try to XXXX the debt collector they told me " XXXX XXXX XXXX '' and it states they are now out of business. 
I am concerned that this debt was 1 ) not validated and 2 ) I never received any written notices whatsoever. 
The debt acct. says acct. no. " XXXX '' and the amount is : {$1600.00} I would like your help to contact them and get this deleted from all ( 3 ) credit  card companies.