davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

My escrow account went up significantly by over XXXX per month beginning XX/XX/year>. It is mainly due to an increase in taxes so I attempted to call Mr. cooper daily since XX/XX/XXXX. I have tried live chat but it states no one is available. I have called their customer service and it is impossible to reach anyone. I would like to pay my own taxes so that I can be more involved to reduce this tax burden. I am a XXXX XXXX XXXX in Georgia therefore I should be able to argue this burden. I do not know if I have the right to remove my mortgage from escrow and I cant reach me cooper. I have had to put my home for sale because I can not afford the increase. I am not happy with mr cooper and feel I have no recourse. Please help us.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX 15 U.S.C. 1681  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s - 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I've been getting in touch with XXXX and Equifax by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to XXXX and Equifax with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted XXXX by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call XXXX to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved
Consumer complaint received 2019-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

Received letter stating I owe {$75.00} dollars to XXXX XXXX Hospital in XXXX XXXX, Ca. 
Date is showing XX/XX/2016 This is a first for me. This account is now assigned to U.S Asset Management by Eos CCA. all ownership rights have been sold.Wi I need some proof. I have proof for this date they are claiming. 
I do not need this type of stress for {$75.00} dollars. 
I am on Social Security also recovering from XXXX XXXX XXXX. 
I do not need this company ruining my credit or making numberous calls. 
The letter I am enclosing does not state the legal saying Attempt to collect a debt etc. Is this a violation of my rights under the policy.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian has violated y rights with this information on my report under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-10-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).
Consumer complaint received 2019-10-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Control Technology, Inc. (NY)

Account Control Technology , Inc., has not honored my cease and desist telephone communications requests. Several times inXX/XX/2019, specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by ACT, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. ACT collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing ACT with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019, I again received several calls from a number that ACT called from on XX/XX/2019. On the XX/XX/2019, call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, today XX/XX/2019, ACT sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if ACT was collecting on their behalf and the XXXX  representative said " no, '' which increased my suspicion of ACT. ACT began each call with me by stating that " they've been hired by XXXX  '' to collect, which caused me a lot of stress.

I ask that all the calls connected to the account on which ACT is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that ACT not call me ; - My communications with ACT reps were abusive ; - ACT reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - ACT used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - ACT may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
Consumer complaint received 2019-10-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (CA)

I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again
Consumer complaint received 2019-04-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (CA)

I bought out my XXXX XXXX XXXX from GM Financial on XX/XX/2019. They collected sales tax from me and they have not remitted the sales tax to XXXX. I contacted them on XX/XX/2019 and XX/XX/2019 and they told me it was my fault and that I have to fix it and pay late fees. Apparently they wrongly paid XXXX the sales tax even though they had my XXXX address updated. I had properly notified them of moving over a year ago and even had to get a notarized power of attorney from them to register the car in XXXX.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

In accordance with fair credit reporting act convergant account LVNV Funding LLC. Original creditor XXXXXXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy. 

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

The company was payed an amount but updated on my credit the original amount of loan with additional fees. I contacted them about this and was told they no longer have my account and sold it. They never updated about the payment they received but did update additional late charges. They confirmed the payment received on my behalf also. I asked to get a letter to show everything from this and havent received anything from them yet. Its been a couple months
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

XXXX XXXX XXXX I initiated a transfer to a person in XXXX that was promised same day. It has now been 5 days and they refuse to complete my transfer or to return the money to me. It is true theft of my funds. 

This is western union, the XXXX is : XXXX They have opened two separate cases with no resolution : XXXX XXXX
Consumer complaint received 2019-05-26
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. (NY)

The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-02-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

Have been getting several times a day from a Company called XXXX XXXX XXXX. In regards to old Credit card debt from Citibank. This has happened before using a a different name of XXXX processing. I filed a complaint prior to this and Got response from Citibank which stating that did not work with XXXX. Now getting calls from XXXX company on Citibank and when notifed them they never heard or deal with company. I am at my wit 's end on how to stop the calls. My family also getting these calls looking for me. These are following number 's that are calling. XXXX XXXX XXXX.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

On XXXX statement ending on XX/XX/XXXX, I owed Bestbuy XXXX XXXX Credit Card for XXXX $ and I did not pay in full since my business partner paid me late. On XX/XX/XXXX when I received payment and I called Bestbuy citi customer service and paid off the balance right away, and asked them to waived the interest fee of XXXX $ which they did. However, on XX/XX/2017 I made a purchased of XXXX $ on the same card, they charged me XXXX $ for interest on XX/XX/XXXX which is only 2 3 days after my purchase. This is ridiculous interest fee, it does not make sense for 2 3 days of interest charge for XXXX XXXX Today, XX/XX/XXXX, I found out and called them to ask about the fee. They told me interest was accumulate from the date of the previous statement. I told them it does not make any sense since I paid if off and you guys waived the fee. They keeps saying I have to pay XXXX $ because they already waived the interest fee once. I will attach the statement for you guys to see.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

Hello I hope you guys can help. I have been dealing with this debt for 8 years and no matter how much time goes by I just can NOT get these guys to take this off my credit. After 6 or 7 years ( I forget which ) creditors have to take old debt off your credit report. Legally their are NOT allowed to continue to ruin my credit for the rest of my life over one thing that happened in XXXX. I had gotten some things from XXXX XXXX XXXX XXXX and my house was broken into and all the items stolen then I lost my job and was unable to pay for the items. Well it's been 7 years and they can't just continue to try to collect on that forever and ruin my life over it, it's past the statute of limitations and they're still putting this on my report. It even said on my credit report that it would have to be removed XX/XX/XXXX and they somehow got that date removed now it doesn't have any date for removal. They have to take this down they don't have a choice it's illegal to continue to do what they're doing to me and I need help!
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

Every year I try to access and print my credit reports from three credit reporting bureaus. I go online at XXXX. I can always obtain, online, reports from XXXX XXXX and Experian. Each year I can not obtain my Experian report online and have to mail in a request with documentation. This difficulty appears to be an intentional policy on the part of Experian to make acquisition of their free credit reports difficult.
Consumer complaint received 2019-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HELLO, I SUBMITTED A DISPUTE REGARDING A DOCTOR BILL THAT WA PAID XXXX XXXX MULTIPLE TIMES TO TransUnion LLC Consumer Dispute Center AND THEY HAVE NOT RESPONDED NOT REMOVED THI BILL FROM MY CREDIT REPORT. I'VE ALSO SPOKEN TO MULTIPLE PEOPLE AT THE DOCTOR OFFICE AND THEY WERE SUPPOSE TO REMOVE these NEGATIVE ITEMS AND TO THIS DAY STILL HAS NOT DONE SO THE HOSPITAL REPORTING THESE ITEMS ARE FROM XXXX XXXX XXXX COUNTY BA
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (TN)

I called the debt collector and asked them to send me a bill so that I can pay off the debt. They asked if it was okay to call me on the number that I was calling from ... and I said, " no. '' Before their bill arrived in the mail, they called to harass me about the debt. They called my cellphone - on the number that I had explicitly told them not to call.
Consumer complaint received 2018-10-11
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: Early Warning Services, LLC (NC)

I have a complaint I will like to file about early warning. I have reached out to them about my file, theres things on there I have never opened besides XXXX  XXXX inquiry. How on earth did this banks get my information someone has to be applying electronically as now I have freezes on all my account and will be getting to the bottom of this and will be reporting.unders section 609 if it doesnt belong to me it must be deleted!. I sent out 2 letters and never got an response back it's been over 60 days when I've sent out a 2 letter of dispute never have gotten a response or reply. I reached out to them there saying I have to mail in a dispute of inaccurate information which I have already done it's over 60 days. This isnt fair this usnt right under FCRA IT MUST BE DELETED
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Prior to my mother 's death, I was paying a home equity line of credit that was in my father 's name. After she passed, my father called to arrange to have the payments taken from his bank account. Citizen 's Bank via XXXX Payments indicated they had completed the change, but they are still taking the money out of my account. I called them on XX/XX/2019 and my father called and followed up the next day. They had indicated they made the change. 

I had to go through my bank to dispute the withdrawal on XX/XX/XXXX and was able to get the funds back ; however, they debited my account again on XX/XX/XXXX, and I am having to go through the whole process again.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The creditor must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX.