davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (FL)

I set up a verbal arrangement XXXX a month. At the end of each month. I call Phoenix Financial to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. XXXX XXXX XXXX / Phoenix Financial has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX
Consumer complaint received 2022-01-12
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. (TX)

I submitted a dispute by mail to Equifax regarding a 60 day late payment being reported by XXXX XXXX which is incorrect. Equifax failed to conduct an actual investigation and provide supporting documents showing why they are stating the late payment is valid. I requested their method of verification and that was also dismissed. I filed a CFPB complaint and Equifax closed the case which makes no sense how that was allowed based on their reason which was once again generic and did not make sense either. No actual ethical investigation has been completed by Equifax or this payment would already be deleted. Equifax responded with " we hope this resolves your concerns '' but left out how it may have resolved my concerns as there was no information of the action they took other than closing the complaint. Equifax needs to be held accountable for their lack of investigation and inability to provide supporting documents.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (DE)

I am not aware of this debt. Penn Credit Corporation is to show proof that I received a 5 day notice before placing this collection on my credit report. This is a violation of my consumer rights pre the FCRA If this account is not deleted from all XXXX XXXX  bureaus within 10 days I will be seeking to file litigation. 


See documents in below in the attachments.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2019 I cashed a {$400.00} check at Peoples United Bank on XXXX XXXX in XXXX XXXX, Ma, XXXX at the drive through window. The bank employee gave me an envelope with what I assumed was {$400.00} in it ; I trusted the bank and did not count it. I drove directly to my credit union with the unopened cash envelope, XXXX in XXXX, MA, and went inside to the ATM to deposit {$380.00} into my credit union account. At that time I opened the envelope and counted 14 {$20.00} bills, 2 {$5.00} bills, and 1 {$10.00} bill. There was only {$300.00} in the envelope which should have contained {$400.00}. I recounted the money several times and also had a credit union employee count it. I was definitely shorted {$100.00}. 
I immediately called Peoples United Bank and explained what had happened. This was approximately 15 minutes after I had left Peoples United bank. I spoke with a woman who said she had waited on me and would count the drawer. She also said that she remembered counting out {$380.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}. I told her there was only {$280.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}, that the envelope was short {$100.00}. I had to go to a doctors appointment at that time and she said she would call me after the drawer was counted. 
The manager called me back while I was in the doctors office and said that the drawer came out correct, I told her that I was in the doctors office and would stop by on my way home to talk with her. When I stopped at the bank I realized that she, the bank manager, was the same woman who waited on me earlier that morning. I felt very uncomfortable that the same woman who shorted me was the top of the chain of command in the bank, so when I got home I called the customer service call center and spoke with a supervisor requesting a call back from the regional bank manager. 
After contacting the regional bank manager, XXXX, and according to XXXX, an investigation was done and the drawers were counted and came out correct and the video was reviewed and nothing looked wrong. The {$100.00} is missing with no logical explanation. 
Yes, I should have counted the cash before I drove away, that was my fault. But the money was short by {$100.00} which I have to write off as a harsh lesson learned.
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WA)

A collection account in the amount of {$690.00} from XXXX XXXX XXXX   appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business. 

I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: POPULAR BANK (WA)

The undersigned complainant, and thousands of other depositors, are the victims of an ongoing fraud perpetrated by Banco Popular North America, an FDIC insured internet bank. 

I opened a savings account in XX/XX/2016 when Banco Popular offered/advertised an interest rate of 1.15 % apy which was competitve at the time. Some months later Banco raised its adverised rate to 1.30 % apy, then 1.40 % and now currently 1.50 % apy. 

Banco Popular misled it's depositors including me to believe we were earning the higher rate of interest on our savings. In fact, my account and those of many others continued to earn the original 1.15 %. Banco Popular advertises only the higher rate ( currently 1.50 % ). It never disclosed that it paid various rates on savings accounts or offered various savings accounts. Banco Popular never disclosed to this and other depositors that to earn the higher rates it would be necessary to open other accounts. Banco Popular made very subtle changes in its savings account products to mislead their depositors. My 'Popular Direct Savings ' was replaced by 'Popular Plus Savings ' and currently 'Popular Direct Exclusive Savings ' in a fraudulent scheme to cheat depositors of interest we were misled earned.
Consumer complaint received 2018-02-10
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. (MI)

XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (VA)

Nationwide recovery has contacted multiple times today even though I asked them not to I did verify myself and they gave me the whole spill and I ask the representative to provide me with an address or email so I can send a cease and desist their respond was it public info and when I asked for a manager I was transferred to a voicemail before that the lady kept saying its an old debt and how I do I want to take care of it even after she provided me with the info and I told her I dont have any recollection of the debt and ask why didnt the hospital send me a bill if that was the she didnt respond. The last person just called me and said I wasn't cleared on the previous call which wasnt even 20 mins ago I again verify myself and ask to cease and desist to my number.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NC)

National Credit adjusters has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written National Credit adjusters on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. National Credit adjusters has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section 616 National Credit adjusters also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and National Credit adjusters has again used another stall tactic in order to circumvent the law. National Credit adjusters has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by National Credit adjusters to willfully break the law. National Credit adjusters has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that National Credit adjusters send this document from their address showing proof that National Credit adjusters has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. National Credit adjusters actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Consumer complaint received 2021-06-07
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. (FL)

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, XXXX, and Transunion are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Service improperly assumed my loan from XXXX and failed to comply with a XXXX agreement. This resulted in overcharged escrow. After of several months of dispute, SMS corrected the issue and worked with credit bureaus to correct my mortgage payment history. However, they added an invalid derogatory remark in a prior month with XXXX only, after the case hade been settled. I believe this was retaliatory action against me. Furthermore, they know I am trying to refinance as I have stated it, amd they know this remark impacts soft credit checks. This affecting my ability to obtain best refinance rates and will result in financial disadvantage if not corrected immediately.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Received a promotion through the mail from American Express on or about XX/XX/XXXX, offering 0 % interest for 12 months. I enrolled on XX/XX/XXXX. I received a an email on XX/XX/XXXX, confirming my enrollment. I had charged {$870.00} on XX/XX/XXXX and {$230.00} on XX/XX/XXXX thinking that I had 12 months to pay the balance without incurring interest. I had also made a payment on the account on XX/XX/XXXX of {$170.00}. 

On XX/XX/XXXX, I downloaded my billing statement dated XX/XX/XXXX. It contained a {$14.00} interest charge. When I called American Express, they told me I had enrolled a card ending in XXXX and charged the purchases and payment to my card ending in XXXX. 

I only have ONE American Express card and it ends in XXXX. Although American Express said the XXXX account was opened in XXXX of XXXX, I never received a card for that account! The promotional letter did not state a card that the promotion was for and because I only have one card I assumed the promotion was attached to that card. 

As far as I can tell, the XXXX account was opened by American Express without my knowledge or consent. That is illegal! At this point I have CANCELLED all American Express cards in my name. As a result, I now have an unexpected payment of {$930.00} in order to avoid future interest charges. I have scheduled payment to be made on XX/XX/XXXX.
Consumer complaint received 2018-02-10
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. (MI)

XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WI)

Discover notified me this morning that someone tried to open a credit card with my information including my social security number. They were suspicious and reached out to me. They denied fraudulent credit card account and advised me to follow up with a credit bureau and get an alert placed on my credit. I then saw I should report the problem to you so am doing so now. I do want to thank Discover for being proactive.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2018-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (TX)

I have been banking with Navy Federal Credit Union since XX/XX/XXXX! Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my auto loan, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. They continue to deduct from my XXXX XXXX Checking Account. 

They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CO)

On XX/XX/2021, I transferred {$5000.00} from an account I had at BBVA to an account I have at XXXX Bank. On XX/XX/2021, I transferred another {$5000.00} from the BBVA account to the XXXX Bank account. Only XXXX  of the transfers came through. PNC subsequently purchased BBVA and is refusing to find the missing money and return it to me. My bank statements from BBVA prove that XXXX transfers were made. My bank statements at XXXX Bank prove only XXXX transfer arrived. My personal banker at XXXX Bank looked into it and only saw XXXX transfer. PNC agreed to send me the tracing number but did not. And now, they are saying because more than 6 months is passed they are not obligated to return my money. All I am asking is for the return of what is legally mine and there is sufficient evidence to show that XXXX transfer was lost. They won't even research it because my guess is that they can't since it was BBVA. But they purchased BBVA, which makes them liable. I need help to get my money back.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pressler & Pressler, LLP (NY)

pressler and pressler is trying to collect on a defaulted judgement for which i wasn't properly served or aware of. My research shows that the cfpb has a consent order against them for repeated unethical practices. Case is from 2006 and i was never notified that they pressler and pressler ( XXXX  XXXX  XXXX ) were my creditors and that action was taken to collect debt owed to them.
Consumer complaint received 2023-01-31
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. (NY)

9 Inquiries on my credit report that I did not authorize. 
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
Consumer complaint received 2021-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I refinanced my mortgage with Lakeview closing is XX/XX/2021. I was told by the company that my payment would decrease by $ XXXX month. At the time of closing, the payment was not lowered and I expressed concerns about the total payment but was assured it work be fixed once closed. The reason the payments were higher then expected was due to taxes being doubled. I waited for the the fix to be corrected, but Lakeview did not fix. I contacted Lakeview in XXXX and was told it would be corrected. I was requested to send the latest tax information. It was confirmed that Lakeview received the tax info and verified the tax was doubled. I was told that the tax info would be updated and the a new escrow analysis would be completed. In XXXX and XXXX, the tax amount was not updated and I was told to just pay the extra amount. In XXXX, again contacted and was told the issue would be taken care of. Today I called and found this the tax info was updated but then reversed and that my payment was not adjusted. So again, the customer reps have reopened the case to have the tax amount corrected and the escrow analysis be completed to show the correct amount. However I have no faith that it will be completed as I have tried for 3 months in a row.