davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

ON XX/XX/XXXX, I PAID A TIME BARRED DEBT TO XXXX XXXX. 
THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX AND SHOULD HAVE CORRECTLY CHARGED OFF IN XXXX. 
THE COMPANY WHEN CONTACTED WANTED {$360.00} FOR THE {$170.00} DEBT CHARGED OFF IN XXXX. I PAID THEM {$260.00}, WHICH INCLUDES AN XXXX DOLLAR CHARGE ( " XXXX XXXX XXXX '' ) FOR PAYING THE {$170.00} DOLLARS I OWED FOR THEIR JUNK MERCHANDISE ( JEWELRY THAT HAS NO APPRAISAL VALUE FOR INSURANCE BECAUSE IT IS JUNK QUALITY, ) .THE XXXX FDCPA MAKES " XXXX XXXX '' FEES ILLEGAL. 
THE ENTIRE BUSINESS IS A CREDIT SCAM DESIGNED TO ENTICE YOUNG UNKNOWLEDGEABLE INTO FINANCING JUNK JEWELRY FOR THEIR SIGNIFICANT OTHERS..SINCE CREDIT-WORTHINESS HAS LITTLE TO DO WITH THE SALE THESE SOPHISTICATED CREDIT CRIMINALS ARE FOCUSED ON THE CREDIT FRAUD PART OF THEIR BUSINESS.THEY KNOW THE LAWS THEY VIOLATE YET THE ENTIRE BUSINESS IS BASED ON GREED FRAUD AND DECEPTION.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Citibank failed to verify checking account information accuracy at the time of linking to credit card payment, but charges payment returned fee and interest when auto payment failed due to error in account information. Customer service representatives giving conflicting information about reversing the fees and interest charged to the account after payment made. Predatory practice and abusing customers should be stopped at citi.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Freedom mortgage was the 3rd processor of my loan. In XX/XX/XXXX, i received a late payment on my 3 credit reports. I pay my mortgage online. I had asked initially about auto pay, but at the time it was down or disabled in XX/XX/XXXX. So every month i did it manually. They never send confirmations of payment. Somehow the process did not go through. They sent my XX/XX/XXXX statement and I called immediately stating I intended to pay but the money was not taken from my acct. 
I sent appeals letters with promise of a response. I signed up for there autopay however in researching the company it is no guarantee against problem with them. They promised a response which never came I called today, waiting on the phone for over 45 min to a response of " take it up with the credit reporting companies ''. 


I did not receive any calls for XX/XX/XXXX warning of no payment. 
XX/XX/XXXX, from any XXXX number. I also further researched this issue and corroborated this fact on the phone with a freedom mortgage agent today. Freedom Mortgage agent " XXXX ' '' '' also corroborated that there were no courtesy calls to me in the month of XX/XX/XXXX for a missed payment. 
The agent also mentioned it is a policy at Freedom Mortgage to make Courtesy calls to home owners when a payment is not received.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NJ)

I never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc. (NH)

The company involved is Delta Management Associates Inc., located in XXXX MA. 

I have received several harassing calls and letters from them over the past several months. Last Friday, XX/XX/19 they called the receptionist at my place of employment. The call was forwarded to me, where I informed them not to call my work number, and that I am not allowed to take personal calls at work. I explicitly told them not to contact my employer, or to contact me while at work. 

This afternoon, XX/XX/19, one of my HR representatives informed me that, directly defying my request, they had sent a fax to my HR department, requesting private information about me, including my social security number, dates of employment, my employer 's federal tax ID, payroll address and information, and my hours/status at this job. My HR representative was extremely uncomfortable, and asked me to tell Delta again to not contact us. 

I would like to send a cease & desist letter, given the sheer amount of calls, and contacts to me, my friends, family, and employer, but I do not want to risk a lawsuit. I do not want to deal with Delta Management any longer.
Consumer complaint received 2020-06-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was a co signer to this loan and when I was notified that my uncle had stopped giving out payments I ask this bank to please repossess the car and i would take the payments over since my uncle was denying to give me the truck for my possession I had asked the financial company to locate and take tha vehicle for me and I would take possession of the vehicle and take over the payments for the remainder of the loan and they had agreed and next time I got a call letting me know the vehicle got sold at auction with out me having a chance to take possession of the car and take over payments I called and complaint about it several times I asked them to pull the recorded conversations they had with me to listen to out agreement and they had denied please help me get this removed from my credit because the creditor failed to comply and give me a chance to remediate the situation.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Since, the opening of bank account with HSBC BANK USA, NA., I was unable to add bill payee OR make bank to bank transfers to my own account I tried to contact XXXX XXXX of HSBC customer relations. She said she is investigating the bug. 

Even after several emails, she has chosen not to reply to my emails. 

It is irresponsible breach of trust from a big bank like HSBC. 

My account is unusable. 

I made several complaints with the following ticket IDs. 

XXXX is the ticket number dated XXXX XXXX, 2021 - NO RESPONSE YET ID:XXXX is a ticket dated XXXX XXXX, 2021 - NO RESPONSE YET
Consumer complaint received 2021-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CT)

You closed my complaint # XXXX but it has not been corrected by Ally. In fact it has gotten even worse. 

Ally called yesterday with a request for yet another form. They say there paperwork is incorrect. I now believe this is intentional delay as retribution for my complaint.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

Ditech XXXX XXXX, et al, has sent me 2 notices that they are involved with the U.S. Bankruptcy Court XXXX District of New York and I have my Mortgage with them. I called Ditech to get info and they said my Mortgage is not involved, but why did I get these papers? The papers say If I want to be involved with the Bankruptcy lawsuit, I need to contact a Atty. but I can not afford one. I am XXXX, I have XXXX. 
I have never missed a Mortgage payment. I requested the two females to email a statement that verifies me that my Mortgage is Not involved with this lawsuit and no one would. The papers clearly state that IF I do not take action I will not be able to collect any money if my mortgage is involved by this lawsuit filed. Again, I can not afford to hire a Atty. to investigate this matter, My mortgage is 75 % of my monthly income from my XXXX Income and I do not think this is fair that Ditech may be RIPPING me and others off for their error ... .They should respect me and let me know IF they have cheated me, after all they threaten me every month that they will charge me a huge late fee IF I do not pay them on the due date. 
Thank you. XXXX
Consumer complaint received 2024-01-29
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. (CA)

Hello, my name is XXXX XXXX. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A company named portfolio recovery has placed a derogatory mark on my XXXX   credit report for a second time for a account with XXXX XXXX that I successfully disputed as a identity theft. They waited almost a year to re-add the derogatory mark and are once again attempting to seek {$550.00} for a debt that was established as a identity theft through a dispute with the cfpb.
Consumer complaint received 2018-02-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (CA)

I was denied an extension of my own credit, by CARMAX and XXXX XXXX XXXX back in about mid XXXX. This Adverse Action is due to them demanding an illegal down payment on a consumer credit transaction after taking my SSN # and processing as well as approving my loan.
Consumer complaint received 2021-08-08
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (AR)

I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is LVNV Funding, LLC. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Consumer complaint received 2020-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

the accounts mentioned with this company does not belong to me nor did I have knowledge of the accounts the dates XX/XX/18 in the amount of {$1000.00}. I've sent over police report that states I am a victim of identity theft and the accounts still remain on my credit profile
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. My friend is doing a refinance for me. When he pulled credit it triggered my servicer NewRez to have their call center try and solicit me. They without my permission locked up my FHA case number and refuse to release it to my lender. I have sent a letter stating I wanted it released as well as emails. XXXX XXXX at NewRez is the loan officer that pulled the case number. Others that were notified at NewRez were  XXXX and XXXX who stated, " Please see request for this FHA Case number transferred to another lender. This is a Call Center loan in Clear to Close status, loan # XXXX XXXX. '' This statement is false. I never applied, signed any disclosures or had an appraisal inspection so how can I be " clear to close ''? They are also stating that I have to have my loan that I never started cancelled in their system before they will release the case number. The delay NewRez is causing me can translate into rate lock extension fees or worst.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I traded in my vehicle and was told to not make any more payments to my old vehicle because the loan would be paid off from the new vehicle purchase. However, the transfer took to long apparently because i got a late pay put on my report. i have tried to resolve the issue since it was no fault of my own and was actually told not to make a payment because it would be handled.
Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (CA)

I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit. 
This company did NOT have permission to run my credit. 
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

TD bank sent my bank mail to my father I'm New Jersey. I have not lived there in 2 years. He obtained access to my account t and made an email for access to my account and statements. I had to go to the bank to change my address back, change my email, and file disputes. The bank eventually a fraud report and closed the account. This took several trips and calls to to the bank before any action was taken.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.