davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (NV)

This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections. 

In XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt. 

This year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to  dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, " Did you even leave a forwarding address? '' and " Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced " this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (ID)

Direct Recovery Services called my phone at XXXX on XX/XX/2019 and left a threatening voice mail regarding an alleged XXXX? debt owed by someone who I believe is my niece, XXXX XXXX. I have not communicated with my niece in well over 20 years, have no knowledge of her location or phone number, and had no idea that she had a debt to a collection agency. 
This voicemail message went well beyond attempting to determine the debtors current contact information and is clearly in violation of the FDCPA which " prohibits a collection agency from discussing your debt with your family, friends, neighbors or employer. ''
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

We updated our mortgage auto payment online and received a letter from the mortgage company in the mail showing our names, address, routing number, account type, and FULL checking account number. All of the information was prominently displayed. No asterisks or hidden symbols to cover any information. I called the company and the mortgage representative said if Im concerned about my mail being stolen that I should purchase a {$15.00} lock box. I spoke to his supervisor and she said that it was a common business practice to display all of the account information for verification purposes. As someone who knows people affected by identity theft, I was appalled.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Trying to dispute accuracy of the fraud on bank account thru Bank of America some gained access to my online checking account and try to deposit fake checks into my account causing account to be closed down this happens on XX/XX/2017 And the amount was {XXXX} is invited a fraud document stating that It wasnt me but they are still reporting the account as if I did fraud, Im trying to open up a new account but I cant anywhere because of the fraud reported to the XXXX and XXXX
Consumer complaint received 2019-04-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My complaint is that I had no way to cancel the annual renewal with XXXX XXXX by phone or online. I did attempt to cancel timely, but I wasnt able to reach the vendor in a reasonable manner. XXXX XXXX phone number on the credit card statement was only a recording referring you to go online. Then online you must have a login with user name and password. I dont have the user name and password and the email account it was under does not exist anymore. No other method is provided. I then called USAA to dispute in XXXX. I called back USAA in late XXXX XXXX to follow up, but no dispute was done. It's an unknown reason why the dispute wasn't started in XXXX. USAA asked me to upload a letter online explaining what happened which I did. I just found out today XX/XX/XXXX that you don't receive my letter upload explaining what happened. USAA denies my dispute. 

USAA is not able to help or answer the questions : How would I have canceled this service with a phone number that leads to a recording? 
How can I cancel the service now? 
Can USAA confirm this account is canceled and no longer active? Obviously, I have no way to contact XXXX XXXX. 

backstory : I had my office assistant order XXXX XXXX back in XX/XX/XXXX. We used the service only in early XXXX. I wasn't aware it renews annually. 
My office assistant XXXX XXXX left the company in XX/XX/XXXX. Her email is no longer active. I don't have the password to login XXXX XXXX. I was unaware the account auto-renews annually. I have no way to log in and use the account. I want to cancel it! 

I saw this annual renewal charge on my XXXX USAA statement XXXX. I called XXXX XXXX to cancel and get a refund. The XXXX XXXX phone number was a recording to go online. So I tried to go online at XXXX XXXX, but I could not log in, and there was no other way to communicate with XXXX XXXX online unless you login.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX Bankruptcy XXXX XXXX : XXXX
Consumer complaint received 2019-06-25
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. (FL)

I have reported four times to the Equifax that the same item was placed on my credit report and it was incorrect. I have sent them documents each time demonstrating that the same item, which was for {$140.00} was not owed. Three time they have removed the item, after their investigation demonstrating that I did not owe the money. 

Twice now I have reported the false reporting of this item to the Consumers Affair Bureau under complaint number XXXX and XXXX. The first complaint was closed out demonstrating that I did not owe the money. The second complaint is still open with the Consumers Reporting Bureau, however I received notice from Equifax on XX/XX/XXXX that they have verified the information that I owe the money and closed the case. 

This has come full circle, as once before Equifax stated that they had verified the information for the same item and when I requested to see the information, they changed course and removed it from my credit report, as verification did not exist. 

This time I contacted the collection company ( XXXX  ) directly and requested the verifying information that I owed the money. I spoke to XXXX XXXX on XXXX at XXXX XXXX. Ms. XXXX stated that she did not have the verified information, but that a letter had been sent to XXXX on XXXX requesting the verifying information and a break down of the invoice. She advised that she would send the itemized bill to me for review and verification. The only item I have received is a new invoice requesting money with no backup information to support their claim. 

Amazingly enough Equifax somehow was able to verify the collection company 's claim on XX/XX/XXXX, when the collection company had not received verification themselves by XX/XX/XXXX. No verification has been provided to date or at any time during the last five years. 

Additionally, last Equifax report states that this delinquency was initiated XX/XX/XXXX. This issues has been in issue since XX/XX/XXXX at which time it was well documented, that I did not owe any money to XXXX and that they were paid in full. 

I am requesting for the fifth time that this item be removed from my report and that I be provided the documentation demonstrating that this money is owed. In addition, I am requesting that all my complaints with the Consumer Finance Bureau be  included in my credit file to be reviewed with my credit report.
Consumer complaint received 2020-02-09
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. (NJ)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2017-05-27
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: EQUIFAX, INC. (PA)

None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX ,  XXXX , and Equifax are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Consumer complaint received 2019-06-26
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: World Omni Financial Corp. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : WORLD OMNI FINANCIAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Consumer complaint received 2019-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I continue to be harassed with phone calls from Ally financial with regards to my auto loan ending in XXXX. 
I already told a rep a few weeks ago I would be making a payment of {$550.00} for the end of the month I am roughly one month behind, But I am buried with their late fees for another {$500.00}. I often pay more than the {$510.00} they ask, but they do not apply the extra towards late fees like they used to. 
They call from a number that comes up as unknown and do not identify themselves properly. 
They are calling from the XXXX, and are asking for Sensitive identity info. 
I have asked them to stop badgering me, as I have already made a promise to pay, but they continue to call and press for funds before the date I said I could pay!! 
I have had a death in my family and needed money for funeral Expenses. Im trying hard to catch up. These calls are harassment and frustrating. 
Pls do something about this.
Consumer complaint received 2020-02-09
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: EQUIFAX, INC. (NJ)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2023-05-01
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}
Consumer complaint received 2019-06-26
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. (NJ)

I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX  XX/XX/2019 XXXX, XXXX XXXX  XXXX XXXX XXXX your tution XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XX/XX/2019, hdc XXXX im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my report
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (SC)

Owe XXXX a debt of little over {$700.00} which is currently on my credit report. Received an alert on my credit that a company name Credence opened a new account. Contacted them to dispute it because I had no business dealing with them. They stated they are a third party collection for XXXX. Never received any documentation from them and now they are hitting my credit twice for the same exact thing. I asked them to remove themselves off of my credit being that I do not have any dealings with them and XXXX is already on the report. He stated that he understands and once I pay XXXX both will come off. They need to be removed asap and not able to just hit someone's report twice.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

I am trying to purchase a piece of land which has an uncanceled deed of trust keeping me from obtaining a clean title. The original loan was taken out with XXXX XXXX XXXX XXXX  ( XXXX, NC branch ) in XX/XX/XXXXand has been succeeded by several banks since. In XX/XX/XXXX the property was refinanced with XXXX in XX/XX/XXXX and the old deed of trust was not canceled.
Consumer complaint received 2020-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which XXXX XXXX rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

On XX/XX/XXXX I contacted Nelnet to request an Administrative Forbearance for Joint Spousal Consolidation Loan ( JSCL ) borrowers and was told that I was granted an administrative forbearance for one year and that my next payment due date would be in XXXX XXXX I was read the prompt for receiving the administrative forbearance and I agreed to the terms. The administrative forbearance was also reviewed and approved by the Nelnet phone representative 's supervisor. It is now two weeks later and the forbearance is not applied to my loans. I was not informed that there would be a delay in issuance of the forbearance. I and my ex-wife, who is also responsible for these loans, have called nelnet daily for four days. I have spent 3-4 hours per day on hold with Nelnet without an answer. We have not received any correspondence confirming or rejecting administrative forbearance. 

I previously requested administrative forbearance several months prior and after it being granted initially it was retracted and I was told that Nelnet had not yet received guidance from the department of education to issue administrative forbearances, despite the fact that this is described on the department of education website and other loan servicers have issued administrative forbearances to JSCL borrowers. However, Nelnet has now begun issuing administrative forbearances to to JSCL borrowers with FFEL loans. I know of several borrowers with the same type of loans that have received administrative forbearance. 

I am requesting that my administrative forbearance take place immediately and I request all communication, notes and documents regarding my loans over the past year. My ex spouse and I also re-certified our IDR, but this process took several months and was delayed by Nelnet 's delayed response times, poor communication and instructions, and elimination of my access to my Nelnet account as well as refusal to include me on communications. Currently, all communication goes to my ex spouse who does not readily communicate with me.
Consumer complaint received 2019-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

SLS is charging opaque fees with no prior disclosure and has abusive, predatory lending practices. My loan was transferred to SLS from XXXX ( where I had AutoPay set up ) after XX/XX/2019. I set up an online payment for SLS to include an extra principal amount of {$30.00} and also set up AutoPay for future payments. After the first month, I see my extra principal payment was never credited to principal but instead held in a " suspense account ''. I also see I am charged for a pay off quote but there is no disclosure on any space of the SLS website for this. I call SLS on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX speaking to XXXX, XXXX and XXXX respectively to get 1 ) my payments set up properly ; 2 ) my extra principal moved from the suspense account 3 ) rectify the mysterious pay off quote -- and I am told in each circumstance that the extra principal will get applied correctly. I am also told that the pay off quote issue was a well-known issue by management and that they were trying to fix this -- even though this fee is still on each bill after I call. In early XXXX, I receive paper mail advising me that my ACH is cancelled and my loan is in default. I have owned this home for 15 years and have never been delinquent on payment. I have called and called and called to no avail. The customer reps provide me with different responses on what is happening with my account, XXXX promising a return call, but none of my issues going resolved. In looking at CFPB complaints against SLS, I see this pay off quote is a common issue. I also think cancelling a customer 's Autopay is predatory -- especially if this is a systemic practice -- why would you cancel my Autopay when I am trying to pay my bills? And then charge me a late fee and all sorts of other fees after SLS cancels ACH? On top of that, their website does not work, always asking me to verify the exact same info I verify in each log in then not allowing me to continue. I am at my wits end trying to fix this with SLS. Please help!!