davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bofa gave my information to someone who has stole my identity and whoever stole it took money out of my bank account {$4000.00}. BofA is irresponsible and they shouldn't have did that ; they should have contact me letting me know that fraud was happening too my account. This is the second time this has happened first time it was {$590.00}. This needs too stop. This never should have happened a second time. And bofa should have know better then too give my funds away too someone pretending to be me over the phone without asking the proper question. They need to be held responsible for they are blunder and misuse of my funds illegally.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (NJ)

Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is  representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt. 

The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX  XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies. 

My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.
Consumer complaint received 2022-01-07
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NE)

I sent Nelnet an Affidavit of Truth on XXXX XXXX that was notarized, and sent through certified mail. The USPS shows that they received it on XXXX. I received an email today indicating that they received my Validation of Debt request. This was not a validation request, it was an Affidavit stating 7 facts of fraud and willful disregard for my privacy, and consumer rights under the FCRA & FDCPA. This company continues to operate in violation to Federal Law in regard to my 2 accounts.
Consumer complaint received 2017-11-27
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. (CA)

I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XX/XX/XXXX. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XX/XX/XXXX and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc. (NY)

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

Hello This compliant is against my current loan servicer XXXX XXXX XXXX. I always make my mortgage payment on time but there has been times that my payment didn't go thru and XXXX XXXX  would ding me for non sufficient funds fee of {$30.00} when I called them to investigate what the issue is since I had more then enough fund in my checking account at the time. After they looked into it they told me that I had missed a digit in my account number so my payment didn't go thru. So my question to them is why didn't he online system just reject my payment right there and then so I could have gone back and entered the correct account number? there answer was even if I entered the wrong info I would still get a payment confirmation which didn't make any sense to me so I asked for a manager who was not available. After numerous calls I finally got a manager on the phone and he was just rude and arrogant told me that's how there system works. I asked why am I being charged with non sufficient funds fees he said that what happens when you enter the wrong account number. A simple human error I made and they are not willing to work with me or even waive the fees knowing it was a error and nothing to do with non sufficient funds. I don't know how many people are dealing with this type of issue but im sure im not the only one based on all the XXXX reviews I have read. The company has a 1 star rating due to there unethical ways of doing business.
Consumer complaint received 2017-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (KS)

I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me XXXX
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORGAN STANLEY & CO. LLC (TX)

Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc. (DC)

i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into this.
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recover, LLC (GA)

Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MNS & Associates LLC (VA)

I received a phone call that I knew was a scam. The following is the transcript of that call Hello this message is intended to reach XXXX XXXX I a.m. calling today in regards to an asset verification and also to confirm your address as the primary residence of occupancy for XXXX XXXX I was forwarded documentation that does verify name in for a security number in regards to this process for enforceable review please be advised requesting for him sign for it and respond to a required demand notice and before I go ahead and begin the scheduling of this document so I wanted to inform you that this process is being expedited and should commence within the next 24 to 48 hours now at this point in time any questions regarding this matter you make contact and advisor directly at XXXX and you will also need to reference the file number XXXX otherwise fire to contact him the result in further determination is being made applicable to all state and federal guidelines you have now been officially notified
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/21 and XX/XX/21 I sent certified letters to Transworld asking for validation of the allege account they claim I owe. Today is XX/XX/21 and I have yet to get any documents I requested or even a response. But I notice that Transworld is still reporting the allege account to the credit bureaus. 
How can they continue to ignore my request and keep reporting this not validated account. They are breaking the law of the FCRA.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please advise.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (OR)

XXXX XXXX XXXX  contacted me by phone last week about a debt that is nearly 20 years old, at which time I requested to be removed from their call list. They agreed, but contacted me via postal mail instead.
Consumer complaint received 2022-01-06
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. (GA)

XXXX didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (VA)

Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX  XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX  XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( transunion, XXXX and XXXX )  listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


Transunion & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2015-05-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (TN)

Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.