davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.
Consumer complaint received 2019-08-20
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)

XXXX XXXX XXXX is incorrectly reporting to XXXX ; Experian and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus  to fix this, however I have not been successful.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (VA)

I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..
Consumer complaint received 2022-07-22
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. (FL)

For almost a year I have attempted to have the Credit Reporting Companies to stop the unlawful reporting of my private bankruptcy. XXXX and Experian have repeatedly responded back stating that the Bankruptcy Court has verified even after receiving the letter from the Bankruptcy Court stating THEY HAVE NOT REPORTED the account. 

XXXX has removed the account but XXXX and Experian are knowingly and willingly being non complicate. 

I have provided the Credit Reporting Companies via Certified Mail with Green Return Receipt a Notarized Affidavit of TRUTH, to confirm both my Legal identity and my legal address. Still both XXXX and Experian keep returning letters stating they have complicated an investigation and reinvestigation that the account was verified by the bankruptcy court, these are false and fraudulent statements by both XXXX and Experian as neither have never completed an investigation nor have they ever provided a Certificate of the identity to whom verified the account. 


15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) ( 1 )
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: WELLS FARGO & COMPANY (AR)

WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX  WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX  OR FACE CLASS ACTION LITIGATION.
Consumer complaint received 2024-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (CA)

See attached letter from BMO XX/XX/XXXX and review my attachments to prior complaint, XXXX. BMO was bound to adhere to loan service terms established in XXXX with Bank of the West, wherein : Interest payments were auto-withdrawn monthly in whatever amount. Principal reduction payments always made in round, whole number figures, ( {$200.00}, {$400.00}, {$600.00}, {$800.00} ) for simple monthly and year-end accounting. Monthly statements corresponded precisely to interest and principal payments. 

XX/XX/XXXX letter demonstrates mis-application of principal payments to XXXX XXXX XXXX XXXX XXXX XXXX unexplained charges resulting from BMO failure to auto-withdraw XXXX, ( They claim they just didn't know how much to withdraw, so too clueless to adhere to the loan service terms ) which led to double-charging and triple-charging interest payments, without permission, without authorization. Principal payments diverted to other schemes, resulting in chaotic accounting and wildly wrong amounts on year end XXXX XXXX filed with XXXX Principal paid as reported over {$1000.00} too low. Ending principal owed over {$1000.00} too high. XXXX deception scheme led to significant fraud.
Consumer complaint received 2020-02-01
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: BARCLAYS BANK DELAWARE (TX)

Barclay Aviator Mastercard issued me a bill where the total does not add up to the transactions shown on the statement. This is simply a math problem with their statement ( copy attached ). I contacted the card issuer and they informed me that their computers would not make a mistake and the math does add up. When I pointed out this is demonstrably false, they asserted that they did not have access to my printed statements. They then changed their opinion and suggested I needed to include 9 charges that are not shown on the statement, but would be provided at some time in the future, in order for the math to add up.
Consumer complaint received 2022-07-22
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. (CA)

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I make auto payments for my student loans, currently with Navient. 
I pay about XXXX dollars a month on autopay ( my minimum monthly payment is supposed to be XXXX ). so i pay about XXXX extra each month. 

Today I noticed that they were holding two months of payments stating it was due to overpayment. i never made any changes to my account settings and i have been paying overpayment for several years and this has never come up. they did not notify me this was happening. 

I called them and they put in a request to have this changed. but i feel like it was a total scam and If i hadn't happened to check i would never have noticed this. i feel like this was a scam to prevent me from paying down my principal for two months and they would continue to collect interest.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I received a loan modification in 2015 in the form of a principal reduction. The terms of the loan will be up in XXXX of this year. Starting last XXXX, I sent an inquiry to Dovenmuehle [ the mortgage servicer ] to find out what I needed to do to get proof that I have fulfilled the terms of the loan modification. I have lost count of the number of times I have called them or emailed them. I have received no less than 8 letters from them, all stating they are working on my inquiry and will respond in the time allotted by law. That does not include the email responses that say the same thing. To date [ 3 and a half months later ], I have received absolutely no form of answer from them, except that they repeat the information I have given them, and then state they hope that answers my question. 
I have gone ahead and initiated a mortgage refinance with another company without knowing if Dovenmuehle will accept that I have fulfilled the modification requirements. All I wanted from them was a simple answer, which I can not seem to get.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery has been calling everyday day, 2 to 7 times a day, for well over a year claiming to have bought an old debt of mine from 3 and a half years ago from XXXX XXXX. I still have an active and paid on time XXXX XXXX card. They call from different numbers throughout the day so trying to block them or report them to the do not call registry is getting me nowhere. I have run the gambit trying to get them to stop ... .Ive tried ignoring the calls, reporting the calls, answering the calls to let them know they are misinformed, answering with yelling and profanity, picking up and hanging up and worst of all finally just getting the information and trying to pay them off to go away all to no avail. They have called under " Portfolio Recovery, just XXXX, CT, XXXX Service, XXXX RI, XXXX XXXX, CT '' and on and on all most if not all are from different numbers. They've called 3 times today in 7 hours just today. Any issues I may or may not have had with XXXX XXXX over 3 years ago have long since been resolved or I wouldnt have an account with them now. These someones want to harass someone into the ground to make a buck off of them. These people need to get a real job like myself ... .a XXXX, a XXXX XXXX  working to help our sick residents and potentially not only exposing myself but my loved ones at home. Im so angry! Make them stop IMMEDIATELY! If it hasnt stopped by Monday ill be moving on to more permanent options.
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX please Help!!!!
Consumer complaint received 2021-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I have a loan, which is subsidized and is currently in the education deferment. It has @ {$69000.00} in unpaid principal and has no unpaid interest. I also have an unsubsidized loan. I am currently paying {$300.00} a month while in deferment, with that amount being split per Navient policies between loans. The account history for my subsidized loan shows that on XX/XX/2021, I was credited {$180.00}. Then also on XX/XX/2021, I was debited {$180.00}. This pattern has been ongoing for years and is also the case with the unsubsidized loan : my account is credited, and then the exact same amount is debited. Despite having made this payment for some time, the balance of unpaid principal according to the account history has not changed on this subsidized loan. I have called and I have written previously, and I receive back boilerplate language explaining how payments are divided between the accounts. Now, the Navient portal will not allow me to send questions to Navient by the portal 's email system, despite whatever browser or computer I use, retuning an error stating I do not have to access the email system. The fact that there is a cycle of debits and credits and never shrinking principal on my subsidized loan is never addressed in any response. I am becoming increasingly frustrated at the lack of explanation. I am making a good faith payment every month despite having an education deferment, and yet, it appears that Navient is pocketing my payment and not crediting my account. I would really like an explanation of this revolving credit/debit cycle and why the principle is not showing a reduction on the subsidized loan despite regular payments.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I called my bank and reported a company that I had ordered from but yet never receiving my purchased items. I placed an order for toilet turtle and never received them so I placed a call to First National Bank of Pennsylvania and my transaction was verified at this time I was told that my card maybe blocked but because of the amount the customer service representative said he was sure because it was such a small amount well a week or so later my card was blocked a d the only way that I founded out was because I we t to the market ( XXXX ) XXXX XXXX XXXX location store number XXXX and when I went to check out it gave an error code card not authorized the cashier try again at my request because i was so confused the Transaction declined again, I then checked my available funds online and I had enough to cover the current purchase so I called the bank after one hour and fifteen minutes I found out that my card my blocked and no one even bother to order a replacement card at this point I kind of understood how XXXX XXXX feels ( funds in the bank but can't use them ) it became increasingly embarrassing standing there purchases being declined. Finally the second customer service representative agreed to override the block so that I could get some food and reblocked my card but told me after verifying my full name, address, phone number, last 4 of my social security number, that he said that he would order a replacement card so that I WOULD NOT deal with this again, as of today Saturday XXXX, 2024 I still DO NOT have a debit card and I ran into a situation that might effect my credit any payments coming in against my old card are all declined, I have a few emails because payment could NOT be obtained with a closed debit card on file. I thank you in advance for any help you can give me in this matter.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing about two accounts that I've been disputing since XX/XX/21 last year. Equifax haven't responded and gave me no information about these accounts. First of all the haven't gave me the full name of this account nor the address and number of who is reporting this account. 

I've also read anon a new law any medical bills that are under {$500.00} will be getting deleted and these accounts are under that amount and still no action has been taking. 

XXXX since the trouble I've been having with Equifax about this account that's not suppose to be on my credit reporting and damaging my report which is financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual ages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : for the causes of my troubles I want {$1000.00} per violation on these accounts : No Account name- XXXX XXXX
Consumer complaint received 2021-02-12
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. (IL)

On my most recent credit report from Experian, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX  and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Retention Consulting Services Inc. (MI)

XXXX XXXX from Regency Capital and XXXX XXXX ( not positive on this company name ) has been harassing me, my employees, my wife and my company. I have asked to stop calling with threatening calls, emails, to both myself but my office staff as well. I have no need for capital but this company is scaring my employees and my wife. His email is XXXX. Please help stop this type of fraud.
Consumer complaint received 2023-07-27
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. (MI)

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights.15u.s.c 1681 section 602 A. States I have the rights to privacy.15u.s.c 1681 604A.section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.