davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (KY)

In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.
Consumer complaint received 2022-09-16
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: LEXISNEXIS (NJ)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (CA)

I pay XXXX XXXX to take money from my bank account twice a month & make one monthly payment to my mortgage company, XXXX XXXX XXXX XXXX. This has been effective approximately 19 years. XXXX XXXX XXXX XXXX called today, XX/XX/XXXX, informing me they had not received the XX/XX/XXXX payment & since it was over 31 days overdue, they would be in touch with the credit bureau. Upon contacting XXXX XXXX, I was informed they had a " glitch '' but had sent a smaller payment than normal on XX/XX/XXXX. One person said the payment was " overnighted, '' a 2nd person said it was a wire transfer & a 3rd person said she could not see how it was sent, she just knows that it was. It feels to me that they are not being truthful & as I calculate they have about {$4500.00} of my money & my mortgage isn't paid, I am filing this complaint. I have also stopped this service as I don't feel I can trust them with my money. In talking with XXXX XXXX XXXX XXXX, they have not received ANY money but they will give me another day in attempting to solve this issue.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America 's collection agency has been hounding me at least once a week for three months. My XXXX XXXX, XXXX payments were made on time for the full amount required. There was a misentry in my XXXX amount paid when the first harassment started, He insisted that there were insufficient funds in the account. I assured him that there was enough money in the account to cover the amount of the check. He insisted I go to the bank that the check was written and to get a copy and statement showing sufficient fund were available. I did this and got a song and dance from a rep that there was a double entry 15 minutes apart and this caused a problem and that she would straighten it out. The phone calls continue to come to this day. I have been to the bank numerous time and thought I had this straightened out with XXXX the? manager. He said pay XXXX XXXX dollars and all would be well. I did and B of A still is harassing me for late fees and interest. Every time you deal with a different person or division and have to repeat the whole story. The left hand does not know what the right hand is doing.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I changed cell phone companies earlier this year. I had service with XXXX XXXX but I never received a bill that I owed anything after changing services. I never received a paper bill from XXXX XXXX. I always paid my bills online so I never got paper bills. I tried to check my account online with them and I could not get any information on my account. I talked to the collection agency and they can not provide me with a bill either. I called XXXX XXXX and talked to XXXX and he said it would cost me a dollar a page to get a final bill. I asked to talked to a supervisor and he said he was transferring but all I got is voicemail. I left a message but no call back. XXXX I think this is unfair!!
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2017 when making electronic payments ( as I always do and have ) somehow it did not go through for that month, I continued to make payments following months unaware that XX/XX/XXXX 's payment was missed as soon as I realized I made the payment in full to catch up. I have been a long time customer, would appreciate if you would remove this asap as I'm going to be purchasing a car ... this is the only item lowering my FICO scores and it's from couple years ago. 

My bank understands this but say they are unable to correct this issue directly with Experian Burial as they don't correct information online. Why would that be? All I see is Experian soliciting to get new credit cards and other advertisements on their site that appear to be misleading to the consumer. Other to major Burial show much higher FICO scores, I don't see any reason for my credit to be this low?
Consumer complaint received 2024-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX my wife and I applied for a Home Equity Line of Credit with Bank of America at the branch bank located in XXXX XXXX XXXX in XXXX South Carolina. Bank of America, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ID XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, XXXX XXXX XXXX FL XXXX ; Office XXXX XXXX XXXX ; Office Fax : XXXX ; Email : XXXX ) followed up on loan request. XXXX XXXX had my wife and fill out forms to verify social security numbers and IRS Tax Returns. I told XXXX XXXX that our income is Social Security and XXXX and that we didn't file Tax Returns. He insisted we file with BA a form-4506, an SSA-86 and provide letters of entitlement from SSA. We signed and provided all the forms. The loan was to consolidate credit card debt and payoff our car loan. XXXX XXXX wrote back after a couple of weeks and said that we had to much debt and that BA would not allow increasing debt. I explained that the loan was for debt consolidation that it was not to increase debt it was to reduce debt. He said sorry your loan request was denied and said my wife and I would receive a letter in the mail stating why we didn't get the HELOC. We never received the USPS letter. But on XX/XX/XXXX we received a letter from SSA saying our benefits were going to be dropped because of the loan we got from Bank of America and since we didn't spend the money the money counts as a countable resource over {$3000.00}. I told SSA we didn't get a loan from BA. I called XXXX XXXX I told him about the issue with SSA and the fact we never received the credit denial letter. XXXX XXXX said he would mail the letter again. That was XXXX ( XXXX ) weeks ago. I have called for a letter saying we dont have an account with Bank of America and that we never received a HELOC ; and XXXX ( XXXX ) time I've been promised the letter and never received it.
Consumer complaint received 2019-04-05
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. (KS)

About a month ago, I disputed all of my Direct Loans with the Dept. of Education with all 3 credit bureaus, citing that they are too old to be on my credit report. After investigation was completed, I was told that the information was correct and would stay on my credit report until XX/XX/XXXX because last payment on loan was reported as XX/XX/XXXX. 
This is NOT correct. I believe someone is reporting false information just to keep this on my credit report longer. 
My Direct Loans originated from XX/XX/XXXX - XX/XX/XXXX. I graduated in XX/XX/XXXX. I made some payments while I was in school but I don't believe I paid on them after that. Maybe XX/XX/XXXX of XX/XX/XXXX because that was the last month that I got my G.I. Bill paid to me. But NOT XX/XX/XXXX. 

I just found a copy of my XX/XX/XXXX tax return and it shows {$0.00} claimed for student loan interest because I didn't make any payments in XX/XX/XXXX and that proves it. Even if I only paid {$10.00} in interest I would have claimed that because my income was so low. 
I remember claiming student loan interest in a previous year but I can't go back further than XX/XX/XXXX with IRS tax returns to see which year that was. 
All of my loans listed on nslds.ed.gov show {$0.00} for Cumulative Amount Paid. If they are going by the date they went into repayment status, ( XX/XX/XXXX ) that would be correct. I didn't pay on them after graduating. I also sent a Screen Shot of all my loans to Experian showing Cumulative Amount Paid {$0.00} which would make the Date Of First Delinquency XX/XX/XXXX. The loans should have been removed in XX/XX/XXXX. of XX/XX/XXXX from all credit reports but none of the credit bureaus will remove them. They like to pick and choose the bits of information that will keep it on your credit report longer and disregard everything else. Plus there are different dates reported as to when the last payment was received and when accounts were closed. How can the same entity report different dates if they have the paperwork right there in front of them? Plus Dept. of Ed shows different payment histories for all 3 credit bureaus. Experian shows Failed to Pay from XX/XX/XXXX and nothing before that. 
XXXX  shows date of last payment was XX/XX/XXXX and then red X 's for everything else. 
XXXX shows red X 's for XX/XX/XXXX forward. Nothing before that. Mainly they want to show what I didn't pay and incorrectly reported when I DID pay to keep it on my credit report longer. I know I messed up but I have paid my dues. They are wrongfully keeping this on my credit report longer than legally allowed. This is stopping me from getting loans for other things I need and they are ruining my name.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting incorrectly that I am 90 days past due on XXXX   XXXX - partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Equitable Acceptance Corp (UT)

I have been dealing with XXXX XXXX calling me, emailing me, and sending me letters stating that I owe them $ XXXX when I don't owe them anything. I also just realized that I have been scammed by other companies. The companies are Equitable Acceptance and XXXX XXXX XXXX. They contact me as well through text messages, email, sending me letters, and by phone trying to get money out of me. They promised me that if I paid them around {$300.00} upfront that my payment would drop to {$50.00} a month which it has and then I would need to pay them $ 50 monthly for at least a year in order for my student loan remaining balance to be forgiven. All of their promises have not been met and they have killed my credit score. I need my money back!! These people are professionals at lying.
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Financial Asset Management, Inc. (UT)

XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management has been raising the amount owed from {$610.00} to {$610.00} then lowing it again back down to {$610.00} for weeks to mess with my credit. 
I set up a payment plan with them I made a {$50.00} payment and set up payment plan. Then they erased the payment plan. I started another payment and another {$50.00} down on it and now their site shows I still owe the {$610.00}. My credit report shows I owe {$530.00}. On top of this I have been disputing the date opened for weeks. I know this card wasnt opened in XXXX. It was opened XXXX if XXXX and they have statements when I log in proving this, which I have saved to my phone. 
I have tried settling with them in full with all income I have available no matter when I called they were very rude to me, and kept asking for more and more. 
Their website shows I havent ever made a single payment but I have emails showing the payments and a bank statement showing I have made a payment. I dont understand whats going on with this company but Im just trying fix my credit and pay down my debt and they are making paying them a horrible process and running me around for the money. Please help.
Consumer complaint received 2019-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I HAVE A HOME EQUITY LINE OF CREDIT WITH CITIZEN 'S BANK. ON MONDAY XX/XX/2019 AT XXXX AT CITIZEN 'S BANK BRANCH : XXXX, WITH TELLER : XXXX AND TRANSACTION # XXXX I PAID THE OUTSTANDING BALANCE OF MY LOAN {$20000.00}. THE MONEY WAS REMOVED FROM MY ACCOUNT ON XX/XX/2019. THE RECEIPT I RECEIVED FROM CITIZEN 'S BANK ON XX/XX/2019, SHOWED THAT THE LOAN HAD BEEN PAID IN FULL. 
I FOLLOWED UP WITH CITIZEN 'S BANK ON XX/XX/2019 TO CONFIRM THE LOAN HAD BEEN PAID IN FULL, I WAS INFORMED THAT THERE WAS STILL AN OUTSTANDING BALANCE OF {$20000.00} ON THE LOAN AND THE BANK WAS UNABLE TO TELL ME WHERE THE FUNDS THEY HAD REMOVED FROM MY ACCOUNT, THE PREVIOUS DAY, HAD GONE. THE BANK OPENED AN INVESTIGATION INTO WHERE THE FUNDS HAD GONE ON XX/XX/2019, INVESTIGATION # XXXX. I WAS INFORMED THE SITUATION WOULD BE RESOLVED IN 2-3 BUSINESS DAYS. MULTIPLE SUBSEQUENT CALLS TO CITIZEN 'S BANK OVER THE NEXT WEEK CONTINUED TO SHOW AN UNPAID BALANCE ON MY HELOC. 
ON XX/XX/2019 CITIZEN 'S BANK INFORMED ME THAT THE SITUATION WITH THE MISSING FUNDS WOULD BE RESOLVED BY THE NEXT BUSINESS DAY. 
ON OF XXXX XXXX I WAS INFORMED BY CITIZEN 'S BANK THAT THERE WAS STILL NO RESOLUTION TO THE MISSING FUNDS, AND THE MATTER WAS BEING HANDELED BY THE CHAIRMAN 'S DEPARTMENT. WHEN I ASKED TO BE CONNECTED TO THE DEPARTMENT THAT WAS DIRECTLY HANDLING THE PROBLEM I WAS INFORMED THAT WAS NOT POSSIBLE. I WAS INFORMED THAT THE CHAIRMAN 'S DEPARTMENT WOULD HAVE TO CONTACT ME AND THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. I WAS ALSO INFORMED THAT THERE WOULD MOST LIKELY BE NO ADDITIONAL INFORMATION ABOUT THE MISSING FUNDS UNTIL THE CHAIRMAN 'S DEPARTMENT CONTACTED ME AND AGAIN THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. 
I FIND IT VERY DIFFICULT TO BELIEVE THAT A FINANCIAL INSTITUTION COULD TAKE TWO WEEKS TO FIND A {$20000.00} ERROR WHEN THEY HAVE ALL OF THE INFORMATION LISTED ABOVE.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened a regular bank account with Huntington Bank online XX/XX/2022. I was able to have full access to the bank account with a debit card ( mailed to me 3 days later ). I was able to set up pay direct deposit and everything. However, after 3 weeks of having full access to my funds and receiving direct deposits from my employer at the time, Huntington Bank decided to put my account on hold until I walk into a branch and verify my SSN with a physical Social Security Card. Since the Social Security Administration was taking over 30 days to send a replacement social security card, I went to the local social security administration office to retrieve a stamped letter of receipt, verifying my eligibility to receive the replacement social security card. Ive called multiple customer service agents and bank employees of Huntington, and they all told me that they will only accept a physical social security card and nothing else. After a whole month passed as Im waiting to receive my social security card in the mail ( its still has not arrived ), Huntington then decided to fully close out the account. I called another customer service agent, and they finally informed me that I can walk into the branch with the stamped letter from the social security administration office. I was told that a cashiers check of the money that was in the account will be mailed to me. After I submitted the letter to the bank branch, the bank still refuses to issue my funds that was in the account before they closed it. The Bank started to request receipts of the money that was deposited into the account. I submitted all of the documentation requested in order to receive the check, and now they are giving me the run around about having to complete an investigation. Ive done my part, all I ask to receive the money that I worked hard for. .please feel free to ask any questions or request more detailed information if needed.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MN)

NCB Management Services calls my home phone number EVERY SINGLE DAY for SEVERAL MONTHS! They never leave a message. The one time I was home and they called, I answered the phone and asked what they wanted. They were looking for someone named XXXX. I do not know anyone with this name. I asked them to PLEASE STOP CALLING ME! They continue to call my home phone number EVERY DAY! THIS NEEDS TO STOP!