davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (VA)

The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.
Consumer complaint received 2015-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (SC)

I paid the debt with tax offset and it has been transferred to another debt collector. And it has been added back onto my credit report when it is showing on my credit report to have been removed on XXXX, after the tax offset payment in the amount of {$300.00}.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T charged me a fee ( Service Assessment Fee ) on transaction that was voided a few days later, I tried many times to get a fee refund, but they have managed to dodge my petition. Attached letter explain in detail what happened. Also I'm attaching papers supporting my claim.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, XXXX inaccurately furnished information to collecting agencies regarding an alleged debt owned by them, when this was in fact misleading and inaccurate and known to be misleading and inaccurate. 

I requested a validation of the alleged debt XXXX XXXX XXXX claimed is owed but never received such validation. 

1. I have attempted to contact XXXX / Experian multiple times for them to rectify this mistake but none have done so. 

2. I believe that their conduct violated the RFDCPA and FDCPA in multiple ways, including but not limited to:3. I have contacted Experian via certified mail and they have done nothing at all and continue to report this collections item on my credit report. 




The credit report provided by experian have been and continue to be disseminated to various persons and credit grantors, both known and unknown. 

XXXX And Experian damaged, and continues to be damaged, in the following ways : a. Denial of credit by at least one lender ; b. Emotional distress and mental anguish associated with having incorrect derogatory personal information transmitted about Plaintiff to other people both known and unknown ; andc. Decreased credit score which may result in inability to obtain credit on future attempts.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NM)

My previous Citi account number was XXXX. On 2018, my loan was with Citi but was sold to XXXX XXXX. Currently, our mortgage is with XXXX XXXX. 

Our credit XXXX score is significantly better but it can be improved by having Citi remove and update our mortgage information that is used by all Credit bureaus. Based on the fact that our loan was sold in 2018, and the information that Citi entered is currently affecting our credit rating. If the information is removed, then our credit score will show improvement. 

The information, if left there, only downgrades or credit ratings. 
I ask that this outdated credit rating information be removed.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2020-06-01
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. (NJ)

In XX/XX/2020, I disputed my account and the result was This creditor has verified that the date is being reported correctly. As a consequence, In XXXX I sent another letter requesting Method of Verification but they failed to provide the method verification. Kindly see both results attached.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NV)

Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.
Consumer complaint received 2016-10-26
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.
Consumer complaint received 2015-09-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Navient has repeated charged me late fees, which they have admitted were a " mistake. '' After being confronted by this fact, they protested for nearly an hour before admitting fault, were unable to provide evidence that they would prevent it from happening again. Additionally, they only refunded my latest late fee, not the rest of the " mistaken '' late fees.
Consumer complaint received 2021-10-03
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 my credit score dropped by 40 points. I bought furniture on credit through Synchrony Bank and paid it off over 12 months with no APR. Throughout these months my credit improved significantly and went up by 40 points. On XX/XX/2021 I made my final payment to them for the furniture and by the time it was reflected on my credit report ( XX/XX/2021 ) my score dropped all 40 points I had gained instantly. I am attaching the credit score update screenshot from XXXX XXXX for your review. I did call them and ask for their assistance in getting to the bottom of this. I was told that if I didn't make a late payment or have bad debt with them then my score should not have been affected. I tried to explain that it had in fact dropped 40 points and the only change reported was that I had paid off my debt. The man I spoke to then advised me to send in a dispute. I have never been late on a payment for any credit card or loan I have ever had, and there is no other info on my report that tells me what could have led to such a drastic drop in my score. Please advise on getting this fixed immediately as I am working hard to continue building my credit so I can buy a home soon. 

Thank you for your time.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service (ID)

Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery called my job on XX/XX/2022 at XXXX XXXX. eastern time. Portfolio Recovery was told not to contact or call my job anymore. Portfolio Recovery did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXXXXXX XXXX. This is a violation according to15 USC 1692c : Also, Portfolio Recovery has sued me and taken me to court and the judge dismissed the case due to Portfolio not proving that I owed the debt and they did not show up.
Consumer complaint received 2019-02-26
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. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting for the same debt on my credit file. This is in clear violation of the FCRA. This double reporting is affecting my credit and needs to be fixed.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC. (NC)

They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.
Consumer complaint received 2016-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (OH)

Both of the following accounts were opened fraudulently and I had no knowledge of them until they appeared on my XXXX credit report. 

The first was originally opened apparently XX/XX/XXXX at XXXX XXXX for {$750.00} and is now managed by Vance and Huffman. 

The second account was originally opened XX/XX/XXXX at XXXX XXXX XXXX for {$1100.00} and is now managed by XXXX XXXX XXXX XXXX. 

I have filed multiple disputes thru XXXX but the disputes were found to meet FCRA requirements. 

I have absolutely NO knowledge of either account and have never heard of or used either company.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

On XX/XX/2020 we made a principal payment in the amount of {$310000.00}, which was ALL to go to the principal. Instead, UWM took out the XXXX payment out of that amount, which they were instructed not to do. In addition they did not reamortize the breakdown in terms of how much is applied to principal and interest. I have called every day and been promised every day that they would " suspend '' XXXX 's payment and then I would pay XXXX and they would apply the " suspended XXXX '' payment to the principal.
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

I am desperately trying to save my home because I am on XXXX XXXX and the lender just keeps on making harder for me to save my home. I have my children and wife back home whom won't have anywhere else to go if this happens! 

I called them this morning to accept a payment because I need to schedule one more payment in order to qualify for a modification. At first they said yes we can and now after XXXX ID : XXXX a supervisor from their house said she can't take my payment. 

I am an XXXX XXXX XXXX who is serving our country and just needs to make one payment to save my home! I am not in foreclosure yet but they are getting close. I am just one payment away from qualifying. Per XXXX they can't foreclose on my home while I am XXXX XXXX.
Consumer complaint received 2019-02-26
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. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX. 2019 I phoned usaa. CONFIRMING I WILL NOT BE PAYING ON THIS ID THEFT ANY MORE I REQUESTED REMOVAL XXXX  XXXX PAY INFO. from usaa rep XXXX. I DID NOT AUTHORIZE THIS PAYMENT. see attatched XXXX  XXXX WITHDRAWL. USAA POSTED A PAYMENT TO COLLECT THIS DEBT. THIS IIS D THEFT ACCOUNT see attatched ID THEFT case XXXX ** I DID NOT AUTHORIZE PAYMENT This STOLE ALL MY SOCIAL SECURITY funds for 15 days & left me with OD fees @ XXXX  XXXX. Social Securty SECTION 207 DOES NOT ALLOW DEBT COLLECTION & ID THEFT DOES NOT ALLOW COLLECTION. USAA DOES NOT ABIDE BY OUR LAWS. I could not pay my rent buy food XXXX. with my own funds. I brorrowed from my son to survive. SAD.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates (OH)

I have been receiving numerous calls daily about a debt owed by someone with my last name. I do not owe this debt. I have asked them repeatedly to stop, but they won't. They leave messages on my phone telling me that " I better take care of this debt ''. They imply that dire consequents will happen if I don't. These call have been going on for months. The last call was on XXXX XXXX. Some days I would receive more than one call. I know that these calls are coming from XXXX XXXX XXXX XXXX  in North Carolina. I also know that this law office has a " D '' rating with the XXXX. The calls come up on my answering machine with my local XXXX area code. Obviously, this is a trick to encourage me to answer the phone. I want to take action to get them to stop ; legal action if necessary.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

I have tried to closed my account for over 1 month and TD Bank has put a hold on my account and says that I put the hold on my account which is a lie. They have charged my account several NSF fees because of this " HOLD '' and I have no recourse to handle the NSF fees etc.