davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (PA)

In XXXX or XXXX after my two loans were transferred to KeyBank I  called to set up payments. I arranged to make a XXXX XXXX monthly payment on each of the two loans and that payments would start the beginning of the month after following month. I then received in the mail an invoice that had a due date for the following month. I called and was told that what I was told on the phone about when the payments would start was a " mistake. '' I then started getting invoices but realized that I was only be invoiced for one of the two loans. So I started sending in a {$150.00} payment with the statement to cover both loans, But as the uploaded document shows, KeyBank was only credited one of the two accounts. So essentially I was never billed for one of the two accounts. And then at some point KeyBank stopped sending any bills/statements to me. I had no address where to send any payments ( the uploaded document I just  happened to stumble upon recently buried in a folder with other documents ) so I just stopped payments. And then I heard nothing from KeyBank for over two years. Then I get a letter asking me to call. Because I had an experience of being told things by phone that turned out not to be  true, I communicated in writing twice, with offers of lump sum payments to settle both debts. I never got acknowledge from KeyBank that I had ever communicated with them, just generic " please call '' letters. Then I get a letter saying I am in default.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

I was charged a {$40.00} for late fee on my XXXX statement with this company. 
when I made my payment on XXXX/XXXX/2020. the due date in XXXX/2020. 
When I called the company the person I spoke to XXXX who did not know enough English to truly explain but she said since I did not pay my full amount of due payment which was {$200.00} ( I paid XXXX ) then I wrote then and told them that I was sick at the time and could not make my full payment. I also told them that as soon as I could I would send the Balance. After speaking with XXXX she told me that when ever I make a partial payment. 
I needed to 1st call them to see if that would be ok? 
At no time have i needed to make a partial payment but now. 
I do feel that as a customer and on a fix income they would take that into consideration but she told me they do not do that. 
thank you XXXX XXXX
Consumer complaint received 2023-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

I had two XXXX XXXX from ECSI consolidated into a single consolidated loan with XXXX on XX/XX/2022. ECSI has repeatedly told me that they have not received payment despite the fact that I have sent them multiple documents showing otherwise. They are continuing to charge me interest and late fees and refuse to cancel the loans. I have contacted them various times and get that same response that they have not been paid by XXXX.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (IN)

On XX/XX/2019 I sent in a check to Discover Bank to be Deposit in the amount of XXXX. I had to verify my identity twice. With this bank which I had no problem doing so. Everything was good until XX/XX/XXXX when I was trying to withdraw the XXXX dollars. I called they said they closed my account and couldnt give me anymore information. So I asked could I speak with a supervisor she got on a she was very rude saying she couldnt tell me why the account was closed. But then I called today which is XX/XX/XXXX and they let me know the account is still open it just froze for security reasons
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These account were deleted and are being recycled as new accounts by changing the collections company this illegal ... 

COLLECTIONS XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$1800.00} inaccurate/not mine
Consumer complaint received 2022-09-01
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. (NY)

My student loans are still reporting with a balance and it should be reporting XXXX. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX.
Consumer complaint received 2019-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX Card partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-13
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. (MA)

XXXX XXXX is showing up on my Transunion Credit Report. When I try to call the phone number I found through a XXXX search, the number came back is not in service. I do not have any other information on this company. I have no idea how they got my information to pull credit. I have never done business with this company and never authorized them to run my credit for any reason.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXXXXXX XXXX. My current correct address is XXXX XXXX XXXX, XXXX, XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
Consumer complaint received 2022-09-01
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: LEXISNEXIS (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX )
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (MI)

I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.
Consumer complaint received 2019-06-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (AZ)

I received a " Notice under the fair debt collections practices act '' from a debt collector. I disputed the debt within 30 days as required. According to the " Fair Debt Collections Practices Act '', if the debt was disputed, a debt collector may not continue with collections until the debt has been verified and mailed to me. This debt collector however continued with collections before mailing the required information to me. This abusive debt collecting procedures is against the law and consumers should be protected against these malicious acts of debt collectors.
Consumer complaint received 2022-09-01
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. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX )
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX / Experian I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/2019 my LTV reached 80 % on my conventional loan with Loancare. I have had no late payments in the life of the loan and property value in my city has increased dramatically in the past 4 years.

I called to request the cancellation, after waiting on hold for a half an hour, I was told to send an email to their customercare email, so I did. After no response from them, I have subsequently sent 3 additional emails and called one more time, only to be told it's in review and I should receive a letter in the mail. 

It is now XX/XX/2019 and I have not received anything in the mail, and no email response regarding my request. However, I did receive my statement for XXXX which is including the PMI that I have requested to be cancelled. 

This company 's inability to communicate with its customers is inexcusable. The unfair act of continuing to charge me the PMI cost when I am eligible to have it cancelled and not communicating with me regarding my request is inexcusable.
Consumer complaint received 2019-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Transunion XXXX / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XX/XX/XXXXXXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I am a customer of Wells Fargo Bank. On XX/XX/2019 there was a debit of {$120.00} for a Legal Order Fee from Wells Fargo and there was a debit of {$59.00} for an IRS legal order. We immediately contacted IRS and because it was in error, IRS reversed the fee of {$59.00} on XX/XX/2019. However, Wells Fargo is refusing to reverse the Fee that they charged. When the order came in Wells took out the major portion leaving the IRS only with {$59.00} and in fact deprived the Government of funds ( In this matter, since it was an IRS error, it was OK ). I have hardly enough funds to pay for my expenses and I am in foreclosure, the bank fee is unconscionable and illegal to deprive a customer of 2 decades of their own funds even where there has been an error. As a result other payment which went out of my account got unpaid and Wells issued a fee of {$35.00} for insuf funds.
Consumer complaint received 2019-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery keeps calling then hanging up, as well as after i asked them to contact me by mail they never have. They have never sent a thirty day notice or advised me i could dispute the debt. They have verified my address numerous times and still have not sent me any kind of notice or validation of debt. Its been approximately 6 months of numerous hang up calls. I know they are calling because i call back and they answer with a voice recording.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019RESURGENT CAP SRVCS LP Reported: XX/XX/2019Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious RESURGENT CAP SRVCS LP Reported: XX/XX/2019I have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I keep receiving calls at XXXX to collect payment on my mortgage. My wife and I both work and have a child who sleeps very lightly and is awoken when these calls come in. We have never missed a mortgage payment past its 30 day due date but are harassed as if we are delinquents.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I found myself unable to pay my credit card bill. Was given online payment assistance options, and after sending a message electronically -- I got a reply days later, asking me to call their payment assistance line. On XX/XX/XXXX, I sent BofA written correspondence, explaining my current financial circumstances and requesting payment assistance. On the XXXX, I decided to take the extra step to call the line -- which then, a representative heard my financial situation, and referred me to a debt settlement program which she referred to as " credit counseling ''. I was transferred to XXXX XXXX XXXX, which then referred me to XXXX XXXX, a debt settlement program which encouraged me not to communicate with BofA and to not pay them a single cent. I didn't think this was right, so I looked at non-profit credit counseling programs. I found InCharge Debt Relief, which helped me work out payment arrangements with three creditors, all except Bank of America, which did not want to work with me, as in their opinion, me keeping more than one emergency credit card open was not acceptable to them. I also have never received a response to my written correspondence. I may use this complaint as evidence, if Bank of America chooses litigation, as I have gone above and beyond to try and settle this debt in a way that is not financially crushing to me, an unemployed ( for 10 months now ) young adult with no income or assets that is currently struggling to pay day-to-day bills, and yet it is Bank of America who has not shown any willingness to settle this matter. I have told you many times, over written correspondence, your recorded lines, your online messaging that, and instead of understanding my hardship, Bank of America continues to remain silent, and request the original payment amount.
Consumer complaint received 2019-06-13
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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (MO)

On XXXX-19 a paid Settlement was paid to Convergent Outsourcing. Convergent did update all three Credit Bureaus, nevertheless the item was not completely deleted from my Credit Report. They advised me the I would need to contact XXXX. I've contacted XXXX as of XXXX-19 and they too have forwarded me back over to Convergent for the deletion. I called Convergent again today on XXXX-19, they advised XXXX needs to give me a written letter in order for them too removed this the said item from all three Credit Bureaus.
Consumer complaint received 2019-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My Va Loan is being serviced by Freedom Mortgage Corp as of XX/XX/XXXX. 
I have never been late or not paid my mortgage. There was an issue with porting over my over XXXX exemption and an issue with taxes being corrected from previous owner. 
I did not receive anything advising me of the increase of payment by {$250.00} for XX/XX/XXXX and that payment was short by that amount only due to lack of knowledge that there had been an increase in my payment related to taxes. No one called to advise me of this and I received no correspondence to advise me of a change of the payment until XXXX of XXXX. In XXXX I Paid my regular Mtg amount plus 2X the additional XXXX to equal XXXX. 
The only time I have not paid the accurate amount on my mortgage on time was XX/XX/XXXX when the payment was short by {$250.00}. Once I knew of the increase I paid for both XXXX and XXXX increase in XXXX. The only reason I did not pay my mortgage correctly was because I was not advised of the increase for XXXX until XXXX of XXXX. I have made every attempt to have Freedom Mortgage remove this a late mortgage payment on my credit report. As a result of this incorrect reporting I have been turned down for credit.
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (AL)

I agreed to purchase an item with a seller on XXXX. He asked me to use XXXX as payment. The seller requested {$160.00}. Afterwards, the seller block my phone number and any contact attempts. I disputed this with XXXX and they instructed me to go to my bank, BBVA. I filed a dispute with BBVA. They denied the claim and said it needed to be disputed with the merchant.