davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (FL)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (MA)

There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Grant & Weber is trying to collect money that was not me I called and explained to them that the accounts wasn't me, and they still have them in my credit report. 

they alleged that was a medical related. However, I never admitted or hospitalized with any other hospital, excepts XXXX for delivery my baby in XX/XX/2016.
Consumer complaint received 2018-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I had got a loan with One Main Financial, made payments then fell behind, I called to see about setting up arrangements and they didn't know what office was handling my account, I gave them all the information and they said they would contact me and never did, I reached out to them again once to settle the debt again they didn't know where my account was located still never received a response. SO I filed a complaint with the XXXX, they then pulled my account from collections and made it current. Then when I contacted them again they STILL could not locate the account. Now its on my credit again and was sold and this is damaging to my credit. I made numerous attempts and complaints and nothing. This is over a course of 4 years. I am fed up with them reporting when they never tried to resolve it when I was initiating a response.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mid-Atlantic Consumer Services (WA)

Mid Atlantic left a threatening voicemail on my cell phone about a debt and how my credit would be ruined due by reporting to a CHEX agency. When I called the first XXXX refused to provide any information but demanded my SSAN. They hung up when I asked who they were and what the claim was. Finally, a XXXX person told me that they would fax the documents but could n't tell me over the phone what the claim was. The fax has not arrived. 

My credit is excellent and I am wondering what this about. These people are using my cell phone without permission. They are rude and overbearing and use legalistic phrases that are not relevant. 

There are tons of complaints about these people online. 

I resent my cell phone being used, being accused of owing a debt, being harassed, and being threatened.
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I 've recently read about how XXXX College was listed as a predatory school and feel that I was highly pressured into enrolling. Now I 'm in a sea of student debt that I can not repay and am unable to find a job. I was told that I would receive help, but the one time I was able to return for help I was told that there was nothing to be done. 

I 've tried to return in order to receive more help to find a job, but the campus I used to attend is no longer available and has changed names.
Consumer complaint received 2015-05-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Peoples Financial Corp. (GA)

I am.behind XXXX payments currently on XXXX Acura TL, today.. I received a text but no call from a non.business number for Peoples Financial stating I had XXXX minutes to call them.or they are sending a repo.truck for the car. Needless, peoples bank.is n't even open at XXXX. I have no idea who this is, but they say they represent them. Tried calling the number, no answer and voicemail full, call branch offices ... No one is open of course. This can be resolved without this intimidation to already stressful debt. I'm.sole income for my family. No assets, no savings. Life is expensive XXXX with a little XXXX. Planned to pay Monday after resolving a hacked checking account issue which I have documents of.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

This involves the company : Experian. I have an account which has been frozen by myself and for which I have lost the sign on userid and password and as a result I am unable to log in ( I wanted to change my email ). I have been given instructions by experian ( probably computer generated, see attachment ) to find the userid but when I followed the instructions giving my date of birth and social security number, it says unable to find account. I responded to the Experian email explaining the situation and I received back a message that Experian can't respond to that initial email ( probably since computer generated ) I have looked further online on the website and have been unable to find any other help and I have called for weeks during XXXX several times weekly and receive different messages but all without any option for the kind of help I need to reset my userid and password when the system doesn't even recognize me. My account is currently not reachable and if I want to unfreeze it, I am unable to do so. I sent a letter ( not email ) to an address I found for Experian explaining the situation about two weeks ago and have received no answer and I don't have that address now.
Consumer complaint received 2023-03-22
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This is yet another complaint filed against nasty old Bank of America who has been trying to take my properties under completely false pretenses and your files are FULL of all the XXXX I have been through with Bank of America these past FIVE ( 5 ) years and copies even faxed to the supposed head of CFPB XXXX XXXX who never ever replied to faxes and Emails : (. 
I have now sent a SECOND REQUEST under RESPA and the Department of Justice now has a file and is supposedly looking into this matter. Sent out certified XX/XX/XXXX and NO reply with the requested information as of today XX/XX/XXXX other than they are working on it ( XXXX loan B of A supposedly services and XXXX B of A recently and allegedly assigned to another really bad company in XXXX , XXXX . 
I finally got the money together to bring current the loan on XXXX XXXX XXXX and first sent a check to their XXXX Office which they subsequently returned since I had written on the check " Paid under protest ''. They said the funds now had to be certified funds. 
I then wired funds through my bank XXXX XXXX with another payment and late fee through XX/XX/XXXX so the total was {$41000.00} paid XX/XX/XXXX at XXXX to my account that has been set up with Bank of America and XXXX XXXX for the past few years and account number XXXX. I confirmed this with XXXX XXXX today and they confirmed my account as correct and confirmed the payment. 
We just got notice today that Bank of America rejected this account and said the account is the wrong account!! I know they are trying to wrongfully foreclose on this property just as they finally did on XXXX XXXX XXXX with the forged, fabricated, and phony documents that their crooked lawfim of XXXX XXXX completed on XX/XX/XXXX and even violated Colorado law with a very low bid of {$140000.00} when they had sent me an appraisal ( their opinion of value earlier in the year at {$270000.00} to insure they would not get title to a property they have NO claim against. 
There is even a phony alleged assignment of this note executed in blank by a known " robo signer '' that was done XXXX/XXXX/XXXX with known robo signer XXXX XXXX in blank for XXXX ( XXXX never had any officers ) and recorded in XXXX County. 
I have stacks of files that prove without question that Bank of America never had control of these loans when they allege they purchased Countrywide and all this harassment these past FIVE ( 5 ) years is completely bogus and fraudulent and many recent court cases are finally starting to discover. Please help me as these XXXX are scamming XXXX people and have wrongfully taken XXXX homes they had NO claim to whatsoever. Please follow your recent guidelines where you are supposed to be helping people like this XXXX year old XXXX Veteran. PLEASE this is NOT right.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (MD)

The negative XXXX XXXX XXXXXXXX account is more than XXXX XXXX XXXX. I requested Equifax to delete the account and it was not. Both XXXX and XXXX have removed it from my report.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (GA)

Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXXt XXXX FL XXXX XXXX
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.
Consumer complaint received 2015-11-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I applied to a debt consolidation company XXXX for XXXX my debtors springleaf financial services. I informed numerous callers not to call my job about this situation to get in touch with me. The company continued to call my job day and night with my coworkers calling my house telling me that this company keeps calling. I informed XXXX about this situation I filled out and signed a harassment complaint form and sent to XXXX the companies. XXXX also sent in another form and the company continued to call. So XXXX told me to call the ftc, and ftc informed me to called consumer finance. Now I 'm at this point.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Starting back in XX/XX/XXXX Bank of America mishandled my prepaid account I was receiving my unemployment  benefits on. Bank of America Blocked my account due to identity verification which I resolved immediately. They blocked my account for 4 months. As a result I ended up XXXX. Lost everything I owned In the process. Once my benefits were reinstated a few months down the line on XX/XX/XXXX I was involved in a car accident which landed me in the hospital for 3 weeks. lost my wallet in the process someone gained access to my account and made a few wire transfer via XXXX XXXX all transfers totalling {$4500.00} I called Bank of America to file Claim # XXXX two days later it was denied. I resubmitted over and over for the next few weeks each time faxing supporting documents and the outcome was still the same. Eventually I gave up because no help from bank of America. Almost 2 years later I still continue to XXXX XXXX XXXX XXXX   with my dog as a result of bank of America failure as a financial institution. I would like help with this issue.
Consumer complaint received 2018-03-16
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. (NY)

There is an issue I have disputed several times with Experian regarding items listed which are past the statute, unverifiable and authorized user accounts only. Experian is the only agency listing this inaccurate data. Nothing is being done or even address or verified. I need help
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc (OH)

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. But Affirm 's website won't let me dispute and their customer service was not helpful. I need affirm to dispute this item and refund my {$440.00}.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXXcredit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.