davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Scheduled a payment of XXXX to go through onXX/XX/XXXX, mr cooper took over XXXX and did not disclose that any fees would be taken. I only authorized the XXXX and mr cooper confirmed that amount. Mr cooper also reported information wrong on our credit report. I called mr cooper to inquire about this matter. They blamed the error on the transition from XXXX XXXX.
Consumer complaint received 2019-07-02
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. (GA)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX ( Original Creditor : XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-07-02
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. (GA)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-07-02
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. (GA)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

XXXX insurance billed me in 2016, they claimed for non payment of their premium for 1 month the sum of {$410.00}. I have tried to get validation for the excessive amount to no avail. It seemed by my switching Insurance company this bill was a retaliation and abuse of consumer information. We have the right to change insurance companies without worrying about our credit being affected. This abuse of credit reporting should not be tolerated and privileges should be revoked. And to add insult to injury they lied about when the debt originated so that it stays open and renews yearly. This fee is unsubstantiated and excessive.
Consumer complaint received 2019-07-02
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. (GA)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-07-02
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. (GA)

the account XXXX XXXX, XXXX   XXXX s reported as duplicate on my Equifax and XXXX credit report. They are reporting it but XXXX did not, why?? My student loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Consumer complaint received 2019-07-02
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. (GA)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, U S DEPT OF ED/XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2019-07-02
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. (GA)

the account XXXX XXXX, XXXX   XXXXXXXX  s reported as duplicate on my XXXX and Experian credit report. They are reporting it but XXXX did not, why?? My student loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (NV)

On my XXXX birthday, XX/XX/2019, Charles Schwab Bank called me and told me that they were going to close all of my accounts. This included my retirement account, my brokerage account, and my checking account which all have always been in perfect standing. I have always maintained a very healthy balance for many years, as soon as I was able to open a bank account. They would not give me any reason nor allow me to justify why they shouldn't close my account. This has put me through incredible hardship as a XXXX year old understanding and navigating the financial space.
Consumer complaint received 2019-07-02
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. (GA)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

On twelve occasions payments made were applied 100 % to interest : per the federal truth in lending act every payment made, whether on time or late, must be applied to BOTH principal and interest : the dates are:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. When this is done, the principal is not lowered and ultimately the bank keeps charging interest on a principal balance higher than it should be thereby earning illegal additional interest. The bank is Santander Consumer USA.
Consumer complaint received 2019-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: First Associates Loan Servicing LLC (IL)

I am submitting this information about Student Credit Union Connect in which was a private student loan from the school of XXXX XXXX XXXX in which I attended from XXXX to XXXX. I received this loan with this company that is affiliated with XXXX XXXX XXXX and I declared a chapter XXXX bankruptcy XXXX of XXXX and I was also discharged in XXXX. This loan was transferred to another division of this company or either the company had moved in which the attorneys tried to inform them of my bankruptcy in XXXX. I informed this company about my chapter XXXX discharged and they refuse to refund me my payments that I made in XXXX all the way until XXXX. They continued to bill me and send me threats of putting negative information on my credit while I was struggling to pay them. I looking for a refund of all of my payments that were made to them from XXXX. This company refuses to let me speak to any managers, they tell me no managers are available, they tell me that a manager will call me back and I never get a call back. In the mean time XXXX XXXX XXXX filed a lawsuit against this company and made a agreement with this company to close our accounts and XXXX balance our accounts out but in the mean time they were billing me and forcing me to make payments after my bankruptcy was discharged from XXXX to XXXX and I will like my money back even though they just closed the account out due to the XXXX XXXX XXXX lawsuit.
Consumer complaint received 2019-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CT)

I purchased two round trip tickets from New York to XXXX and two one-way tickets from XXXX to New York. However, the return trip from XXXX to New York was cancelled and we were stranded in XXXX for over one and half days. The airlines issued cancellation certificates for all the 4 tickets. I submitted dispute to American Express and credit was issued for the two one-way tickets. But the merchant disputed the chargeback on half of the two round trip tickets by submitting incomplete and irrelevant information. After reviewing the information, I resubmitted dispute three more times. American Express couldn't get me any more information that's satisfactory. Now, they insist that I pay for that charge.
Consumer complaint received 2016-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Azcar Capital, Inc. (AZ)

Re : XXXX Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a XXXX bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company AZCAR Inc. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
AZCAR Inc. had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by AZCAR resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against XXXX bank proves wrongdoing by AZCAR Inc., debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (TN)

I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.
Consumer complaint received 2022-12-14
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. (CA)

I submitted a letter to XXXX and TransUnion dated XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$630.00}
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (TN)

To Who

m It May Concern, I recently checked my credit reports and noticed a collection with a high balance reporting. This collection should NOT be on my reports and is NOT owed by me for multiple reasons. My recollection is that the cable company I had MANY years ago transferred my service to another company. This was done without my knowledge or authorization. When I found out what had happened, I immediately cancelled and RETURNED their equipment to the original company. In addition, I have never received any kind of invoice, letter, bill, email, or telephone call advising that this was an issue years ago. Again, I had no idea it existed until I recently checked my credit reports.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

Nearly three weeks ago, I deposited a XXXX check into my PNC account. The account was then immediately restricted. Initially, I was told it was until the check cleared. A week later, after it cleared, the restriction was still in place. They then told me theyre reviewing the account history and the only access I would have to the funds would be to go into a branch, have a banker call them to lift the restriction temporarily, withdraw some funds, then theyd put the restriction back on pending their review. 

On Monday, XX/XX/XXXX, I went into the branch to withdraw the funds I would need for the week. I was told the account was closed XXXX minutes prior and that I was mailed out a check. I asked PNC bank to stop payment on the supposed check they mailed to me ( when the account was closed less than an hour before ), allow me to withdraw the funds or at least what I need for the week, and they refused. 

This has caused a nightmare for me, both professionally and personally. First, all of my credit card and loan payments were returned causing me to incur returned payment fees and late fees with creditors while also putting those accounts in restricted status. Second, because I work in sales and Im required to buy lunches or dinners for potential clients, having no access to my funds, and being unable to use my other credit cards, I am unable to perform my job, which is now in jeopardy. So I am looking to go after them as this has been ongoing for XXXX weeks and is now jeopardizing my career. They also did not warn me that the account would be closed and allow me an opportunity to withdraw some, if not all, funds.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I purchased a car and I see there are 2 credit inquiries from XXXX XXXX just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only Transunion that has multiple double credit inquiries on my report, significantly lowering my score.
Consumer complaint received 2018-02-24
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. (NJ)

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address.

The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.

The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
Consumer complaint received 2016-12-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (MD)

I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.