davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Smith, Cohen & Rosenberg LLC (NC)

There is a collection reporting to my XXXX  credit bureau as of XX/XX/2020 from XXXX XXXX in the amount of {$44000.00}. I have never personally borrowed anything from the orginal creditor being XXXX XXXX XXXX or XXXX XXXX. Never i have personally borrowed anything from these two companies and this was removed over two months ago and not it is back on my credit bureau.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (WY)

I contacted Collection Professionals Incorporated by mail on XX/XX/XXXX regarding money that I allegedly owed. I stated at this time that I believed the debt was not valid. I received additional documentation of the debt. I contacted the company on XX/XX/XXXX to dispute the charges. XXXX, the office manager, stated that I hadn't paid for services rendered. I stated that this was incorrect. She pulled the file and said that the debt appeared to be related to an employment dispute. She said that she would contact the other party and get back to me. I have a contemporaneous memo regarding all of this. I never heard anything. On XX/XX/XXXX I was served paperwork regarding a civil suit for this matter. Upon speaking with the company on XXXX XXXX, I learned that XXXX documented on XX/XX/XXXX that the debt was verified, which was blatantly false. I have contacted the attorney to notify them of my intent to defend. However, the company has also reported this collection attempt to the credit bureaus. Therefore, I also allege that this constitutes abuse, as I was reported for debt that hasn't even been verified. Lastly, I have also been charged limbo and additional legal fees during this time where I was in limbo.
Consumer complaint received 2019-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Since the start of this loan I have made a {$49.00} principal only payment to the loan. That additional principal only payment isn't applied to the loan until sometimes 2-3 months later. I have contacted Nissan to explain to them what is happening on at least 3 different occasions, with the last time most recently. They told me they don't have any records where I have made principal only payments and requested I send them proof that made principal only payments. I sent them copies of cancelled checks where I have made such payments and haven't not heard back from them.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On my credit report there is an account from the following creditor : Account # XXXX PORTFOLIO RECOVERY XXXX XXXXXX/XX/XXXX ( original creditor ) {$3400.00} I am writing to dispute this charge, as I have no recollection of what it is for. I have been trying to contact the creditor for several months in order to obtain proof of the charges owed, including invoices, statements, or any related documentation. Until now, I have not received an answer. 

Kindly look into clearing this charge as I can not obtain any proof that these charges indeed belong to me. Thank you.
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2020 I paid XXXX dollars to what I thought was a main XXXX breeder. I signed a contract and have about 40 emails with them about how the process works. I paid through chase and I was told that if I pay through chase and do not get the cat I will get my money back and they will dispute it for me. And today I found out ( XX/XX/2020 ) that I will not get my money back through chase. That I have to file complaints and hopefully you guys will find them and shut down their website. Chase said there was nothing to do even though it is through chase and bank accounts are set up on chase. I want my money back and expected chase to help me when they said they would, and they said that before I paid the XXXX dollars to the scammers.
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CO)

My mortgage was sold to M & T bank without my knowledge in XX/XX/2019. XXXX failed to keep me informed of the sales. I called XXXX for months in an attempt to pay them and I was told that there " was a problem with my bank app, someone will get back with you ''. Finally, in XX/XX/2019 I was told by a XXXX employee on one of my many calls that my loan had been sold. I immediately requested a copy of the letter they claim to have sent me. I then confirmed that they had incorrectly recorded my business mailing address, which could be why I never received any kind of notice of the sale ... Never mind that they had 3 different email addresses on record that they failed to use to contact me. After multiple requests I finally received a written notice that my loan had been sold via email on XXXX and because I now had a name and number for my new mortgage company I called right away. 

The man I spoke with verified that M & T had my correct email, and home addresses and a XXXX XXXX XXXX use for business ( they were one digit off actually ). He gave no reason for why M & T Had not tried to reach me. 

When I asked for a loan number, he said customer service would reach out. They sent a letter that I recieved at the house today, XX/XX/XXXX, dated XX/XX/XXXX. The letter is saying I'm now in default. 

This is the first correspondence from M & T with any info like a loan number. 
Last week I got an invite to sign up for on line banking with M & T. There was no way to make a payment without a loan number. The XXXX XXXX loan number was not working. 


Today XX/XX/XXXX I finally have the ability to make a payment on my loan.
Consumer complaint received 2021-04-13
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my 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 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XXXX XXXX XXXX XXXX calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour. 

In fact, I just got that call back typing this ... 

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.
Consumer complaint received 2018-04-21
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. (IL)

I have been dealing with Navient for years and have many issues. Most recently, I submitted my annual renewal for my income based payment plan on XX/XX/XXXX. Since then it has been denied with the reason of needing my ex-husband 's signature due to a loan consolidation back in XXXX. I have explained multiple times on the phone with different customer service providers through Navient as well as through email exchanges. I have explained I have been divorced since XXXX and have rare contact with my ex husband, but Navient continues to demand I obtain a signature from him. They have also continued to charge me late fees on top of a monthly payment of XXXX. If I could afford such a payment I would not need the income based repayment plan.
Consumer complaint received 2020-11-09
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. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX I made a {$1000.00} principle payment to my HELOC, it got credited and then reversed. Couple weeks later I found it on my statement listed as unapplied funds. I called B of A XXXX on XX/XX/XXXX spoke with someone and was told it would be fixed in about 2 weeks. Case ID XXXX. In late XXXX nothing so I called again. Manager got involved and I was told it posted on XX/XX/XXXX and I should see it in a few days. Now XX/XX/XXXX and nothing. My XXXX statement came and the {$1000.00} unapplied funds no longer shows but it was not posted to my HELOC or back into my checking account. Called again, spoke to a nice man, he said he would contact someone internal in another depsrtment to get help. Now 1 hr and 12 min later I am still on hold. B of A has terrible costomer service in there HELOC department and basically stole my {$1000.00}. 
B of A HELOC Account number : XXXX Account summary Property address XXXX XXXX XXXX XXXX End of draw date XX/XX/XXXX Beginning balance* {$34000.00} Days in billing cycle XXXX Average daily balance {$33000.00} Credit limit {$110000.00} Line of credit principal balance {$29000.00} Fixed-rate option principal balance {$0.00} Total principal balance {$29000.00} Available credit {$82000.00} *This amount includes finance charges and other fees ( if any ) XXXX Payment information Periodic FINANCE CHARGE {$110.00} Principal payment {$0.00} Current period fees and charges {$0.00} Past due amounts {$0.00} Minimum payment due {$110.00} Unapplied funds** - {$1000.00} New balance* {$29000.00} Payment due date XX/XX/XXXX Automatic payment of {$110.00} will be drafted on XX/XX/XXXX **Please see the Other important information section of this statement
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-America Accounts Control Bureau, Inc. (MO)

I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I am contacting you all because on XXXX2017 I paid a debt and the original creditor XXXX XXXX XXXX turned the payment over to collections and fraudulently provided LCA ( Lanier Collection Agency and Services, INC ) with my banking account information to take the money from my account instead of applying it to my account balance. I have included the certified mail receipt and copy of the authorization mailed to XXXX XXXX XXXX After that I waited for the debit to come through it was n't until XXXX/2017 that the debit came through but it hit as a charge from LCA. At the time I did n't know who that was until the bank told me. I then filed a complaint with my bank of an unauthorized transaction by this LCA, as I have no business with them nor have I ever heard of them. I sent authorization to XXXX XXXX to collect a debt and they did n't get it so I thought. So the bank refunded my bank account when I advised them of this. They told me they were n't able to stop the payment so as a result they closed the card associated with the transaction and paid this company who stole from my account because XXXX XXXX gave them my banking information. So on XXXX XXXX  2017 I paid the original creditor via bill pay sent by my bank as a check to settle the debt and again XXXX XXXX sent the check to LCA. I found this out when I received the check mailed to the original creditor in an envelope from LCA stating it is not acceptable as you will see in the documentation I 'm uploading. Therefore LCA is reporting inaccurate information to the credit bureaus in an effort to harm my credibility. I paid this account to the original creditor upon being notified of the balance. They maliciously sent the payment to LCA not once but twice in an effort to discredit me. It is n't right. LCA has already stolen from me and now they have the audacity to report a paid debt to an original creditor ( XXXX XXXX XXXX ) as a collection when they know this creditor actually gave them money for a paid account. I have never and will never do business with a collection agency because I pay my bills when I am informed of them. Plain and simple I knew there was a bill and I paid it and LCA has clearly violated FCRA regulations by reporting to a third party a debt they know is paid in an effort to assist XXXX XXXX XXXX with this fraudulent claim of debt. I demand that LCA remove this fraudulent and illegal information from my credit report. The account has been paid to XXXX XXXX twice and here is the proof sent to me by LCA from the original creditor. I have never had any business with LCA and will not. I 'm not liable for how an original creditor handle payments and aside from this LCA is reporting inaccurate amounts. I owed and paid {$94.00} to XXXX XXXX not the {$95.00} they are reporting.
Consumer complaint received 2023-10-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for XXXX and never got my Bank of America XXXX  card. I spoke to XXXX and they said they couldnt do nothing about it that I had to talk to Bank of America. I finally got them to send me a replacement to find out my money was gone. I filed a claim and they denied it. When I asked why they said during their investigation they found those transaction were made by me or some I authorized. I asked them for documentation or proof of what they were saying. They never sent it. Its been months.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MI)

I took advantage of the Forbearance Covid19 program through Specialized Loan Servicing in XXXX. The Forbearance program began on XX/XX/20 and ended on XX/XX/20. I called on XX/XX/20 to setup payments as instructed By Specialized Loan Servicing. I setup the payments on XX/XX/20 to get everything caught up and made the first payment that day for {$480.00} per their instruction. In XXXX I applied for a loan through another company to purchase a house, Initially my credit report came back fine. The loan company ran my credit again just to verify and it had a 60 day late payment on there from SLS. I called and asked them what the issue was and through several calls I discovered that they had applied my first payment listed above incorrectly and then falsely reported on my credit that I had late payments. I requested a letter from them saying that they reported incorrectly on my credit and they refused.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (GA)

There was a charge back to my account due to a bank error. I immediately wired the money to my Binance account. I submitted a support ticket to regain access to my trades and withdrawals. I followed all the procedures asked of me and can not get a response from them. They are holding over XXXX in funds in my Binance account and they will not let me have access to them. There is no phone number so I can not contact them. I have tried all avenues including XXXX, XXXX, XXXX, XXXX and no response. Latest ticket number is XXXX
Consumer complaint received 2019-06-27
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: Lending Club Corp (GA)

I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.
Consumer complaint received 2018-04-21
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MD)

I filed a dispute with XXXX referencing discrepancy in CBNA and Sears reporting. In result XXXX 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 CBNA response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, XXXX, and CBNA.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AL)

TRANSWORLD SYSTEM is in Violation of 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This company was deceptive by sending me past due bills, late fees, etc. and reported late payments to my credit report which is another violation when they were aware that the debt was paid from the first day I did business with this company which is once again fraud. Collecting on debt that has been by law is fraud.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX of XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ Equifax/ XXXX continue to allow for the information to be removed and replaced back on my credit report.