davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Facts : 1. Kohls alleges that I owe {$250.00} on purchases made. 
2. I have had several conversations with Kohls representatives and sent many confirming documents. 
3. On XXXX XXXX, XXXX, I made an electronic payment of {$210.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. I have proof of Payment from my back and have provided it to Kohl 's. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
4. On XXXX XXXX, XXXX, I made an electronic payment of {$32.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. Attached as Exhibit B is a Proof of Payment document from XXXX XXXX. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
5. My payments were timely, have been received at Kohl 's payment center, and debited from my accounts. In a telephone telephone conversation, Kohl 's representative advised my husband, whom I authorized, that Kohls fees and interest would be credited and suspended while Kohls finds these funds and until my XXXX checking account receives credit for the two payments totaling {$240.00}. 
7. I have issued Stop Payments for the two payments received but not credited by Kohls. This stop payment action cost me {$50.00} and, presuming the bank can stop payment, I believe Kohls should reimburse me {$50.00} in the form of credit. 
8. Once my checking account shows a credit for the two checks totaling {$240.00}, I will immediately send Kohls payment in that same amount. 
9. Until the credit is received either by the stop payment or by your discovery of where the funds were deposited I demanded in a letter that no negative credit report be made.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ID)

My mortgage servicing company has repeatedly given me inaccurate information in regards to my mortgage loan servicing and loan modification package documentation. I contacted my servicing company when I fell behind on my mortgage payments. They set up an outlined repayment plan, and then waited 20 days to send a letter of acceptance which was 2 weeks past the due date of any payment plan down payment, so I missed the date and the subsequently, the plan was denied. I called back a second time to set it up again, and the CS rep miscalculated the repayment options, and then it was denied again. They then told me to submit a full modification package to see if maybe the modification would be accepted, but continue to be missing documentation and my loan is now in foreclosure. 
I have had the loan modified previously, and was unaware that they could not charge me a modification fee, but going through paperwork ... I was charges {$900.00} to modify the loan along with thousands of dollars worth of " misc fees ''. I also have several years worth of loan documents that are not currently available on my loan from its beginning ; 5 years of statements, payments, and tax records that can not be accounted for, as well as current years taxes and insurance bills that have not been paid and kept current. I have been billed by my local tax authority as well as my mortgage insurance company for monies due that should be paid from my escrow account.
Consumer complaint received 2017-10-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK (NJ)

Bought a home with gateway mortgage company. The home needed few repairs .Was given a XXXX loan and {$31000.00} towards repair .Gateway give the contractor to us even when we refused the contractor they insist we have to have repair done by recommended contractor. Contractor got money no repair done up to now ripped home apart has not comeback and got money from gateway has not get the job done.we have no place to cook for our kids and we already paid one month mortgage and still no contractor.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank, XXXX. 

The Citizens ATM at XXXX, MA isn't XXXX  working. 

Seems like it's out of order half the time. 

Why install ATMs if you can't keep them working?
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

Experian inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Experian just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Ocwen changed the status of my loan without my knowledge or permission. They started charging me an escrow account and reporting my account late even though I never paid late. Their customer service department can not answer any questions when I call. I ca n't have this impacting my credit score as I am trying to purchase a new home. This company gives no written communication about anything and can not offer help when called.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (AL)

On XXXX/XXXX/XXXX I sent XXXX XXXX and Experian a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. 

I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. 

This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. 

ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is deliberately reporting erroneously information on my credit report. Payment due XXXX/XXXX/2016 with a 7-day extension to XXXX XXXX, 2016. XXXX XXXX reported on XXXX XXXX, 2016 that consumer was 30-days late. I have disputed this information with Transunion, and the investigation states the information was verified. XXXX is deliberately lying. How can a bill be 30-days late on XXXX XXXX, 2016 when it was due XXXX XXXX, 2016?
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collection/charge off how can there be a late paymenXXXX on it? This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

This collection agency is trying to collect a debt I already paid over a year ago. They never made any attempt to contact me via telephone or letter informing me of such. I only found out because of an alert with a credit monitoring system I have. They never notified me giving me an opportunity to dispute the debt and show proof that it has been paid. The original creditor hired them because I threatened to sue them regarding another matter. They are purposely trying to hurt my credit and it has worked thus far because I have been denied credit baised on their fraudulent actions.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (TX)

On XX/XX/18 I was informed by XXXX XXXX that Bonneville Collections had increased the amount owed on a debt. This is not the first time. My original debt was XXXX and they have raised it to XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

In XX/XX/XXXX, I contacted Renton Collections Inc and made a {$75.00} payment on a {$350.00} collection balance. This debt was originally a medical bill from XXXX XXXX XXXX XXXX, Washington. After making that partial payment, the collection balance should have gone down to {$280.00}. 

On XX/XX/XXXX I contacted Renton Collections Inc., of XXXX, Washington. again to clarify my collection balance and pay off the correct balance in full. Their representative at that point verified my personal information and informed me that I had a balance of {$330.00}. I asked her why my balance isn't reflecting the partial payment I made in XX/XX/XXXX, and her response was that they are charging an interest rate on top of my original medical bill. 

I am submitting this complaint in reference to the Fair Debt Collection Practices Act, section 808, line 1, which states the following : 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This means that, unless the original creditor, or to whom the debt is owed to, has already included in this debt any interest or fees, and/or has disclosed in an agreement creating the debt that interest is to be charged on any balance, it is against this law for any collection agency to collect interest on such debts. This even more applied to medical bills as hospitals do not charge interest for services provided!
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Tried submitting a dispute online with Trans Union but the online system wo n't complete the dispute. Trans Union deleted XXXX hard credit inquiries and then put them back on a month later causing a major raise and then lowering of my credit score with Trans Union.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are many inquires and accounts that are on my credit report that have been open or pulled without my consent. There are XXXX judgements that should not be on there. I went to circuit court and they dont know where they even came from. I disputed this in the past but they still reside on my credit report. I also have numerous inquiries that I am not aware of that are on my report as well. Along with an account for XXXX and XXXX and XXXX that show on my credit report as well. And I have also disputed these accounts as well and they still have not been removed from my credit report.
Consumer complaint received 2022-09-07
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MO)

Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars. 

I want a check for the balance in my accounts and thats it, accounts can remain closed.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,