davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (KY)

Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX, GA 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
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2020 I received an invitation by mail to apply for Bank of America Cashback credit card. Prior card application, I contacted the application center with questions about card eligibility, since over two years ago I filed for bankruptcy and in the past, less than 2 years since than was the application rejection criteria. My efforts to confirm the basic applicability/rejection criteria prior to the credit card application was not successful the application agent neither had this information, neither able to transfer my call to the credit specialist. The hard credit inquiry [ for nothing ] could be prevented if Bank of America would be clear and transparent about the application approval requirements. 
Since the fact of my bankruptcy was known to Bank of America, I am questioning how it is legit to send me an invitation, if it is clear reject?
Consumer complaint received 2016-09-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (AZ)

I am filing a complaint with you because the XXXX Police Dept. advised me to do so. I received a letter from West Asset management today XXXX/XXXX/15 about a XXXX debt I am suppose to owe University XXXX Acct # XXXX. I have no knowledge of this debt. I contacted them by phone today and requested documentation proving I owe the debt and that I would happily pay once proof was received. All I got was that I owed money and that they were going to put in some sort of dispute status. I had been contacted a few months prior to this by this company and had the same conversation, show me some proof that I owe this debt and I will pay. I never heard back again until now. The fact that they seem unwilling to give some sort of proof that I owe this debt sounds real suspicious to me and prompted me to call the XXXX Police. They referred me to you. I have a letter from them here and would like to fax a copy to you, just do n't know where. You can contact me at XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, or text/call XXXX ( leave a message, I work night shift I will get back to you ). Please look into this for me and let me know how I can be of assistance in helping resolve this issue. Like I said before, If I owe this debt then no problem paying it, I just need more than an anonymous phone call, official looking letter head, and a menacing tone of voice to prove that I owe. I am just afraid this might be another scam to pressure me into paying debts I do n't owe. Thank you very much.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I acquired an auto loan for a defective vehicle, once I found the vehicle to be defective beyond repair I returned it to the auto dealer who accepted the title and car. The bank Credit Acceptance however has kept my first payment and keeps refusing my requests to even speak with a manager about the loan reversal, which has been in processing since XX/XX/XXXX. Id also like it struck from my credit report as I 'd like to be able to apply for another loan from another company and lease a different vehicle from a different dealer but can not until this is resolved.
Consumer complaint received 2020-09-11
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: T.S. Holdings (CO)

The date of first delinquency for this debt is listed as the XXXX of XX/XX/2014, and as such it has passed the six year statute of limitations in Colorado for leasing/rental debt. As such, this debt is no longer collectible in court. 

Furthermore I have been in contact with XXXX XXXX over the last few weeks in an attempt to collect this debt, and they have been unable to recover any records to validate the debt.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-08-09
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: Westlake Services, LLC (PA)

I do not have an auto loan with this company WestLake Financial. They are fraudulently reporting on my credit report that I have an auto loan with them and I do not. I have only one loan/lease and that is not with this company I can not reach a supervisor and I have been hung up on twice when asked to speak to a supervisor. I would like this account removed from my credit report. I do not have a contract with this company.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have recently disputed with Equifax about some accounts on my credit report. I sent them a certified letter that was signed and recieved on XX/XX/2019. 
I then recieved the results to the investigation that is dated XX/XX/2019. 
But I never recieved an updated credit report from Equifax to further examine the changes. It has been a great problem to not get the information that I am allowed to have after the first dispute to follow up with my second dispute, although it is currently in progress without the cooperation of Equifax.
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (GA)

My American Express card was duplicated in XXXX, 2016 and according to American Express over {$100000.00} charged to my card. I contacted American Express FRAUD Division and was told not to pay on my account until the account was reconciled. As of this date, my account is still not in balance. I was accessed over {$700.00} is late fees and American Express has not waived the fees. I called them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was directed to pay the late charged and fees and American Express would refund the overpayment to me. 
I am receiving letters addressed to a previous residence. I received a letter stating my late payments will be reported to consumer reporting agencies. This is an abomination XXXX. Complete disrespect for a consumer who has been with Amer Ex for 30 years.
Consumer complaint received 2022-09-06
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. (MI)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XX/XX/2022. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus.
Consumer complaint received 2016-01-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

On XXXX XXXX, 2015 I contacted my local office of Springleaf Financial Services to inquire about making a loan. I allowed them to look at my credit report. They asked for a pay-stub and more information to submit a complete application. I did not provide it because I did not want to get a loan from them. On XXXX XXXX, 2015 I received a letter from Springleaf informing me that my request for a loan had been declined and this decline was reported to XXXX credit reporting services. I did not ask for the loan, nor was I provided details in writing, nor did I request approval for a loan. I believe this was done unfairly and was done as retribution because of my lack of interest in their services. I want this decline retracted and not reported.
Consumer complaint received 2020-07-14
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: Eastpoint Recovery Group, Inc (AZ)

On XX/XX/20 a voice message was left by a XXXX XXXX XXXX. This writer called the number back at XXXX, wherein XXXX XXXX failed to identify himself, or as a debt collector, and refused to give the name of his company and address until I asked multiple times. In addition, it was found that a hard inquiry was placed on my credit report by EASTPOINT RECOVERY GROUP on XX/XX/20, which was NOT authorized by me in any way, shape or form. You will be receiving a letter and I will expect that this UNAUTHORIZED hard inquiry is removed from my credit report. XXXX XXXX continued to be verbally abusive, yelling at me, not letting me ask any questions, interrupting me when I was trying to say anything, and giving away sensitive information about an alleged debt without verifying who he was actually talking to. This violates the FDCPA in multiple ways. The conversation was recorded and voicemail saved. He claims to have " just received my account '' which was the excuse for why no written communication was ever received by me for this alleged debt. Further, he claims that " you paid on this account for 4 years, and now you are going to act like you've never heard of it ''. Again, he never verified or confirmed who he was actually talking to.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint mortgage is corrupt and deceptive. I have had nothing but horrible experiences for years. I called in on XX/XX/2020 to make an additional principal payment because they dont allow it on the website ( obviously a tactic to get people to pay more interest ) so I WAS on bi-weekly payments to try to pay less interest but that doesnt even work because all they do is HOLD your payment until the end of the month so you end up paying full interest anyway!! They have very deceptive practices!! So ... on XX/XX/XXXX, I could not make an extra principal payment online so I had to call in to get REMOVED from automatic payments. I was then able to make my {$10000.00} extra principal payment but now they put me back on auto pay/ bi weekly payments WITHOUT MY AUTHORIZATION. I send emails through the website and they NEVER NEVER NEVER answer their emails. I have always had to call to get any answers and every agent is absolutely clueless! I am left with no other alternative but to send a formal complaint to get this company to do anything.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (OR)

I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. Thank you
Consumer complaint received 2015-05-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????
Consumer complaint received 2021-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (FL)

An account with KIA MOTORS FINANCIAL is showing on my credit report for an account I had with XXXX. I sent letters certified mail to both of these dealerships. XXXX responded and sent me the check proof they sent to KIA MOTORS FINANCIAL that was CASHED by them on MY BEHALF for MY ACCOUNT. ACCOUNT NUMBER XXXX which you can see on the check and on my credit report which is attached. KIA MOTORS has been very negligent and has failed to respond or remove this inaccurate account from my credit report. They sent this account to collections hurting my consumer profile which hurt my ability to get credit elsewhere for THEIR NEGLIGENCE. I requested the account record of all transactions and proof that this company did not receive the check and have no received anything for the past year. They are committing fraud by reporting this information. Please investigate this and remove it from my credit report immediately I have attached all the proof. My credit report, the CASHED check along with my identifications.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CT)

I received at Citicard Visa card when Costco changed from XXXX XXXX. I have not, in two months received a bill and can not pay it. I have misplaced my card so they will not send me an emailed bill. I am waiting for a replacement card to be sent to me.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2023-04-15
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Consumer complaint received 2023-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (NC)

Not able to afford payments.Totaly disabled and under financial hardship and below income poverty level in a tribal estate dispute.Would like to terminate payments under affordable disability cares act.