davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (NV)

I have contacted Experian about the erroneous information they have in my credit report. They did not investigate the information, nor did they correct the obvious errors. This error should NOT be on my credit.
Consumer complaint received 2022-06-18
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. (WI)

XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/XXXX Complaint against Bank of America Re : {$9800.00} stolen funds from theft XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I have reached Bank of America ( XXXX ) regional office located at State of Maryland regarding never returned stolen funds {$9800.00} since XX/XX/XXXX. I have left a message to collect stolen funds {$9800.00} plus 20 % interest, $ XXXX ( XXXX hrs ), all related fees as well as trauma, pain, suffering brought by Bank of America for illegally release consumer 's deposit on XX/XX/XXXX. I received NO any response for this debt collection call against Bank of America and theft XXXX XXXX. On XX/XX/XXXX I personally stopped at one of banks branch located at XXXX XXXX XXXX to speak with XXXX XXXX. She treated me badly ( discrimination ) by providing NO service compare with other customer. I have complained about that I have to recover my stolen funds immediately because this theft activity happened since XX/XX/XXXX. Now its been 5 years and bank of america totally ignore my several complaints filed to Consumer Financial Protection Bureau ( CFPB ). In XXXX and XX/XX/XXXX I have complained same matter to Bank of America 's XXXX branch for several times. On XX/XX/XXXX I have spoken with CFPB 's representative XXXX to ask assistance in order to recover stolen funds. I have clearly expressed my position : I NEVER authorized bank of america to release my deposit to a unknown theft such as XXXX XXXX ; I NEVER authorized anyone to represent me to do any banking transaction. I NEVER authorized XXXX XXXX to handle my bank account such as open new account, withdrawl funds, close accounts, obtain my personal identity, etc. In one word, I already notified law enforcement agency such as FTC, local police department, FBI, U.S. district court, State of Maryland circuit court to prosecute theft XXXX XXXX. This theft lied to the court and public : She can not handle my personal affair at all. She can only bring me damages, losses, pain, suffering, trauma, anxiety by losing my deposit. I once again ask bank of america to honor 5 cashier 's checks issued on XX/XX/XXXX due to bank 's stop payment. Cashier 's check was considering as cash and was guaranteed to pay. I am so upset that Bank of America has no any business credit at all. And can not protect consumer 's deposit. Because of this bank 's criminal activity, I lost trust toward XXXX XXXX  's practice. Please do not spread your financial crisis to me as totally irrelavent party. I have no any reason to accept such type of financial crime and deprive my rights committed by both Bank of America, XXXX XXXX, XXXX XXXX ( XXXX County Circuit Court in Maryland ).
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (PA)

On XX/XX/2015 my Mom saw an ad in the newspaper. When I got home she told me about the ad in the newspaper about helping people buy a house or something like that. We decide to check it out so we go to the office. When we got there my mom explained the situation to him about getting a house & not having enough money to afford one etc. Then he said that we can make money from rental properties. He would put these properties in my name. He would find the properties himself, collect the rents from the tenants & pay the bills. He would do all the work. I just give him 2 paystubs and show up at settlement to sign the paperwork. He would give me the money to pay the mortgages every month. Things did not work out so I wanted to sell all the properties but he did not want to. Eventually I came to my boss about this situation and the guy who I was dealing with. My boss found out that this guy was an x-criminal. He was obtaining mortgages fraudulently using inncent victims. Operating Schemes. I believe in this situation he is doing the same thing. The companies involved are - Freedom Mortgage Loan numbers are XXXX & XXXX, XXXX XXXX Loan # XXXX, XXXX ( XXXX XXXX XXXX & XXXX. ) Loan # XXXX & XXXX XXXX XXXX XXXX Account # XXXX.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far.

The courts have him paying our 1,000 a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XX/XX/XXXX and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
Consumer complaint received 2022-06-18
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. (MO)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXXXXXXXX/XX/XXXX Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount # XXXX US DEPT ED Account # XXXX DPT ED/XX/XX/XXXX Account # XXXX DPT EDXXXX Account # XXXX** DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-10
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 — Their investigation did not fix an error on your report
Company: NCC Business Services, Inc. (GA)

In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX   with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX  breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. 

In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.
Consumer complaint received 2017-11-08
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. (FL)

On XX/XX/XXXX, I received notification from the 3 credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XX/XX/XXXX. I requested for balance loan to be updated with the 3 credit bureaus and was  denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.
Consumer complaint received 2018-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

In XX/XX/2006 I moved out of XXXX and moved to XXXX  ever since. Portfolio recovery LLC has been calling me non stop every week 2-4 times a week from different numbers harassing me over a debt occurred over a decade ago. Ive told them there is no way Im paying it, its too old and its not even on my credit report leave me Alone. Thats was over a year ago. They are calling from random out of state numbers and I block the number. They repeated phone calls started about 4 years ago every week 2-4 times a week while Im at work while Im in meetings taking a even on the weekends. Please stop these harassing tactics and let this single parent, XXXX veteran, struggling to meet ends meet living paycheck to paycheck with out any child support, live in peace. I have already cleared my name and all my debts.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (FL)

XXXX XXXX XXXX card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX froze my account.in XX/XX/2017..will not allow any transactions and refuse my many written and oral requests for a explanation .. I still have a substantial balance in my account.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

I got an email on XX/XX/2022 from Discover Bank saying that my account was locked ( no reason was given except " unusual activity '' ). I was asked to call a specific number so I called and I stayed on hold for 1.5 hours with one, then I tried 2 other times ( I called two other phone numbers ) and got connected with 2 account specialists ( one 's name was XXXX, the other was a man ). They said that they can't see what happened to my account and I would have to call the security specialists but the wait times for calls to those specialists are over 3 hours.

I have already spent hours on hold and do not have, and will never have, the time to stay on hold for another 3 hours.
Consumer complaint received 2018-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Management Corporation (NC)

On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. 

I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. 

Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. 

The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I sent {XXXX} to SPS last month to be put toward my mortgage. The check cleared on The XXXX of XX/XX/2022. I am still waiting for it to be posted to my Mortgage principle. I call everyday and they give me an excuse why it is not showing up. This has been going on over a month.
Consumer complaint received 2018-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CA)

My Name is XXXX XXXX, I would like to file an Official Complaint against Debt Collection Agency : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX For the last 2 years XXXX and XXXX respectively, I have been getting repeated calls about a debt collection from the above company. Legally they are only supposed to call me once a day. They have called my personal cellphone several times a day and sometimes evenings, when I stopped picking up their calls they would then proceed and call my work number several times a day as well. They used different area codes to mask their numbers tricking me to pick up, under duress, I stopped picking up numbers I wasnt familiar with. Costing me dearly in the process as I would miss important phone calls mistaking them for debt collectors in fear of harassment by them. On one Occasion I picked up the phone due to excessive annoyance and they threatened me with legal action if I dont comply with a payment plan over the phone. I once again declined the debt as mine and hanged up the phone. 
This year XXXX I sent out 2 challenging letters to them to verify the debt bearing my signature or contractual obligation to pay them since they are not the original creditor. 

" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
In response to the attached letters they provided itemized printout statements of the original creditor which still has no evidence of a signature or legal binding agreement between me and the debt collector to pay them hence they are now validating an inaccuracy. 
Their false reporting to the Credit Bureaus has been very damaging to my loan and credit card application processes. I ask that they remove it completely from all 3 bureaus Please review all attached documents as prior evidence and understand this matter is Severe and help from your office to investigate this is much needed, looking forward to hearing from you Yours Sincerely, XXXX XXXX Debt Collections Agency Victim
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (MA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.
Consumer complaint received 2018-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

XXXX XXXX has a debt placed on my credit reports in the amount of XXXX. This debt was disputed quite some time ago and was removed by a different collection agency. 
I sent XXXX XXXX a certified debt validation letter and they have yet to respond to my request or send me anything they have to show that this debt belongs to me. This company is using illegal tactics and placing debts back on consumer reports that were removed due to fraud.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (KY)

I received two letters 2 weeks passed the date it says at the top which is XX/XX/XXXX from TRS. One says I owe XXXX the other XXXX to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I never been over there, ever. I called XXXX XXXX and they sent me proof a consumer report of never going over there ever. To the hotel or to the casino. I made a police report # XXXX in XXXX bc my purse was stolen however I don't even have checks that TRS recovery service is saying that has this address on it. My checks have my other house address. I called the sheriff in XXXX XXXX indiana. He thinks TRS is a scam. When I talk to TRS they sound so unprofessional. I try to go the ensure to dispute it. Its weird. They Barely knowing how to talk. To somebody. They Don't want to help me or think I'm lying. I need to get to the bottom of this bc this involves gaming officers. I get no help from them only to to go a website.