davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My mortgage was sold to Loancare from XXXX XXXX, I was advised in writing and verbally that my bi weekly payments would map over the same way as it was set up with XXXX, except for the month of XXXX 2019 and provided me the dates of the auto debit for XXXX however they did the draft on the wrong date in XXXX, causing my account to overdraw. I made several more calls and was guaranteed this is an isolated issue and XXXX would have my proper auto debit dates in place, which it was not and again overdrew my account withdrawing the funds too soon, I spoke to a XXXX, XXXX and a supervisor named XXXX who gave me his employee no.XXXX, as a guarantee that XXXX,. auto charge would start in the 2nd week which is how I had it in the past, then every other Friday, but couldn't give me anything in writing. XXXX stated my letter of transferring the servicing of the loan is all they would provide, which I received but with no payment dates, that was provided verbally when I received my first call to advise of this transition. I had called again this week and another supervisor, XXXX advised I was given the wrong information through this whole process and my auto payments will remain the way Loancare has it set up and can not change it, regardless of what XXXX XXXX  had in place. This type of service is inexcusable and now a struggle to keep my mortgage in good standing. Having the set up with XXXX XXXX was for a reason and they accommodated that need to make sure I could manage my mortgage payments. Loancare is setting up me and anyone else in the same position as I am for failure. This is not fair lending in terms of taking over a mortgage from another company, I need help. XXXX wasn't even certain about what happens with and 5 week month when an extra payment will come out, what kind of service is this?
Consumer complaint received 2019-10-06
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: National Credit Adjusters, LLC (TX)

I reached out to National Credit Adjusters in regards to an unverified collection of {$1700.00} that had been reporting to my Credit Report for all 3 Credit Bureaus on XX/XX/19 with a Debt Validation Letter and they responded saying they would investigate on XX/XX/19. It is now XX/XX/19 and I have still yet to receive a response with any results of the investigation or validation of the debt. The letter specifically stated I was requesting a response within 30 days. I then reached out to them asking for removal of this debt within 10 days of the letter requesting removal due to no response on XX/XX/19 and it is still showing on my Credit Report. So I am now filing a complaint since I cant seem to get a response from the company themselves.
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 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 an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

My Auto loan is due on the XX/XX/XXXX of each month. On XX/XX/2019 I decided to refinance my auto loan. I reach out to my auto lender on XX/XX/2019 to informed them to expected a certified check by USPS. I gave Ally the certified mail receipt tracking number. Ally received the certified check on XX/XX/2019. on XX/XX/2019 I received an alert on my credit file that my auto loan payment was 30 days late. Ally reported this information to the credit bureau agencies on XX/XX/2019. I been in contact with Ally they keep telling me that they will investigate the issue, but there has been no resolution. Make matter worse I just received another alert on my credit file from the credit bureau agencies say my auto loan with Ally is 30 days late.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
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: HW Holding, Inc (TX)

I received a phone call from hunter warfield the man told me I could face up to 20 years over my debt. They gave me only two options to resolve my debt and I told them I dont think I could afford that. I know I have to take responsibility over my debt but I can only afford so much and am whiling to work with them but they wont work with me. They told me they sent me a list of what I owed in a email but I went through my email, spam never received this list. XXXX tried getting ahold of this company before but ended up getting number to credit help.
Consumer complaint received 2019-10-06
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: Experian Information Solutions Inc. ()

There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as XXXX XXXX. This may have been a school loan through XXXX XXXX. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her XXXX XXXX ( XXXX XXXX XXXX ) Again to my understanding there was a change in way XXXX XXXX processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact XXXX XXXX regarding a resolution, it was like talking to a wall, and got nowhere with the XXXX XXXX From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still on my credit report.
Consumer complaint received 2019-05-24
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (FL)

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the company or individuals who were directly contacted in regards to this matter. 

Thanks in advance for your time and prompt attention to this matter.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

On XX/XX/2024 I filed a dispute for my First National Bank of PA ( Checking Account number : XXXX ) regarding XXXX unauthorized transactions I noticed on my account. 
There were XXXX transactions, XXXX for {$4800.00} sent on XX/XX/XXXX and another for {$4700.00} on XX/XX/XXXX sent to Debit XXXX XXXX XXXX. 
Someone stole my information because I dont have an account with XXXX XXXX XXXX, and never heard of this company. 
I filed a dispute with my bank First National Bank, but still havent received my funds from my claim. 
I want to know how I can get my money back, because I never made these transactions. Please help. 

Thank you.
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have contacted XXXX  and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX  representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.
Consumer complaint received 2019-09-19
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: VW Credit, Inc (PA)

VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (FL)

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX , XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX/XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regard to this matter. 

Thanks in advance for your time and prompt attention to this matter.
Consumer complaint received 2019-05-24
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by Experian is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX   is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I am unaware of this debt and did not receive the proper notification of this debt. I also have not been given the chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Debt collectors must notify you within 5 days of receiving an account and this did not happen. 

Debt collectors has no authority to furnish any account to a consumer reporting agency without providing proper documentation and all disclosures required by law and this is a clear violation of 12 CFR 1006.34 ( d ) If you believe you have supplied me with the proper notification, please provide me with the certified Mail Receipt with my signature.
Consumer complaint received 2019-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovative Collections, LLC (CA)

Innovative Collection Services is attempting to collect a debt that I never came into contractual agreement and never agreed to pay. Basically the debt is not mine because I never agreed to it. I received a final notice on XX/XX/2019 requesting XXXX dollars for something called a city booking fee.
Consumer complaint received 2019-04-09
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: Academy Mortgage Corporation (MD)

In XXXX of 2017, I was applying for a mortgage with Academy Mortgage Corporation for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 XXXX  XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 2017
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Company represents XXXX XXXX located in XXXX North Carolina. Received a service on XX/XX/2015 that did not meet the requirements of what the dentist had discussed he was going to perform. What was supposed to be a XXXX to be XXXX I received a bill for a XXXX XXXX. In which within 14 days my filling came out from the XXXX and exposed quite a bit of XXXX XXXX and a XXXX XXXX XXXX XXXX in my XXXX. I have notified the XXXX about this right away and not only was I not pleased with the incorrect billing but that the service that was given to me on XX/XX/2015 was not successful. I have gathered several pictures to prove this was not a successful visit and was given a bill for {$1000.00} for a service that I never did receive.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (PA)

XXXX CO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-05-24
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. (FL)

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These inquiries are from : XXXX ( XX/XX/2019 ) XXXX/XXXX  (XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  (XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter.
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. 
Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. 

during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. 
Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. 
Unfortunately, we are unable to approve your application, because we are unable to verify your identity. 
Please note, a credit check was not performed. 
why sent me through this and no check was done. 
I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.