davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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)

Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC. (VA)

Called ECMC to inquire about a dispute -- spoke with  XXXX   ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named  XXXX   .    This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation.  XXXX  needs to be fired! and so does h  er Manager for not properly training!
Nevertheless, I do not owe   this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!
Consumer complaint received 2024-01-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DFC Global Corp. (TN)

XXXX XXXX XXXX reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XX/XX/2023.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I had opened my credit card in XXXX of XXXX. It was a personal credit card, not a business credit card. The name of the credit card is know as XXXX XXXX. Wells Fargo Bank closed out my credit card account on XX/XX/XXXX. My credit card was never paid late, not even once. I also never went over my credit limit. I opened a business checking account in XXXX with the same bank and my business itself did suffer throughout the year in XXXX, but I never used my credit card for that business in any way. I noticed in XXXX that once the business checking account had fallen into the negative for about {$300.00}, a few months later the bank closed out my personal credit card and then sent me a letter to my home with no descent explanation. Even when I called the bank one representative had told me he could not find any real explanation as to why the bank had closed out my personal credit card with them. I put in a request to speak to someone such as a manager and even when I did get that call a few days later from a manager, they still gave me generic info with no specific reason to the closure of my credit card other than they have the ability and right to close out any account at any given time. Closing out my personal credit card hurt my credit rating and was so uncalled for unless I had not taken care of that particular account in which again, I know I did. To resolve the problem, my request is that the bank reopen that account, or I will also file 2 more complaints. One with XXXX XXXX XXXX XXXX  and one with the NJ Attorney General Office.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I requested my XXXX and XXXX XXXX account to be closed whan I moved to a new address. XXXX and XXXX only shut it a few weeks later, and as a result I received a bill for a time period of several weeks during which I did not reside at that address anymore. I believe that I shouldn't be paying this bill. 
Collection Bureau of the Hudson Valley is attempting to collect this debt and has reported it to the credit bureaus. I an requesting this collection to be completely deleted from my credit report.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2018 I was approved for a Trial Mod based on the fact that I have good income and I am a XXXX Veteran. The reason I needed a loan mod to begin with was due to my wife XXXX  and XXXX XXXX. I fell behind on payments 4 years ago. I was on a plan and then fell off the payment schedule again because I became XXXX  and didn't know it. I could n't drive and felt sick most of the day. My friend drove me to the hospital and the VA docket got me on meds immediately or I could have died. With that said I was not in the right state of mind or health to make the payments. I have since consolidated my incomes to my Wells Fargo checking account so the money goes in one account and payments can be made to Wells Fargo automatically. However, they kicked me out of the 3 month Trial MOD and would not let me pay the last 2 payments. They made me go through an appeals process that denied me because I didn't show my new XXXX expenses. I DONT have any. The VA covers it. MY income is the same my expenses are the same and I was qualified before on the same information of income and expenses. They didn't even ready what happens and labeled this an expense issue. I am so disappointed. I am XXXX years old and was a XXXX in the XXXX with XXXX XXXX XXXX and I can make my payments. I can't help that I got sick. I live alone mostly and no one to help. Please help me stop the sale. I have equity and I can't lose my home. I can make my payments and have showed plenty of income. Please HELP me. 
XXXX XXXX
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2020, I received email confirmation from Mr. Cooper stating, " Thanks for your recent payment. We posted it to your account on XX/XX/2020. ". See attached email for a print out of email. 

Later that month, I received my XXXX statement confirming the XXXX payment has been made, see attached. 
On XX/XX/2020, I received text from XXXX, that read " Mr Cooper Loans. Sensitive Alert 1-pay o
nline www.mrcooper.com 2-pay via phone at XXXX. " We are a debt collector. '' To OptOut, reply, " stop '' ''. 

On XX/XX/2020, I called Mr. Cooper and inquired about the a text message from a debt collector. The rep stated the text was not from a debt collector, rather it was from Mr. Cooper about not receiving a payment for XX/XX/2020. I was surprised and explained I received email confirmation the XXXX payment was received. They explained the payment was not made. I made the payment to get in good standing. Given I received formal communication from Mr. Cooper - email and statement - I asked they not report it to the credit bureaus. They said they will look into it. 

There has been not communication from Mr. Cooper and my credit has been affected. 

Given the repeated confirmations from Mr. Cooper that my XXXX payment was received and posted ( email and statement ), I am asking for this to be removed and my credit history corrected.
Consumer complaint received 2024-01-27
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. (CA)

XXXX, Experian, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. XXXX, Experian, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.
Consumer complaint received 2022-08-10
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. (IL)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (IL)

Aspen collections is attempted to collect a debt that I do not owe. The original company in question is XXXX XXXX in which the account was fraudulent. The account was cancelled within the reasonable time of 30 days, but XXXX never cancelled it. The account was sold to Aspen collections in 2014. Aspen collections has added an unjustly charge each month of up to {$13.00} in order to keep the account active. None of this is owed. The account started out at {$3500.00} and has risen to {$4600.00} with these added charges.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (NY)

I 've been waiting days for the bank to update me about a transaction for funds that were never despensed out of a ATM. All they can say is that they have no estimated time frame for the issue to be fixed. Nor do they have any updates. Sounds like they do n't know what they 're doing.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Hello, I received this in the mail today regarding a medical bill. I have not been to the hospital at all, nor am I liable for this debt. I also have insurance so my insurance would have covered this expense in full! This has to be a billing error. Remove this at once as this is tarnishing my credit score and was NOT authorized. I have not been to the hospital
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

I have worked very hard to never have a late payment towards my creditors. Upon refinancing my home, I made arrangements to pay off my XXXX card. The payment was due on XXXX title company cut check to XXXX on XX/XX/25 and it was sent immediately. By the time XXXX processed the check it registered as past due 30 days. I have had perfect payment history with ALL of my creditors up until this entry
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (TX)

I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I have been a customer of  Citibank Credit ca rds for over 22 years, since  XXXX . Since then, my credit card I opened in  XXXX  I have never made a late payment on this account or any  Citi  account or other account on my credit report. Recently, in  XXXX   XXXX   Citibank  closed this card without my permission, since I the bank claimed I was not using it enough ( I have other accounts with  Citibank  that were active. Citibank never warned to use my card or they were going to close it ) I contacted  Citibank t elling them I DID NOT want the card closed. They re-opened the card in  XXXX   XXXX  per my request. Unfortunately, the made another hard-pull on my credit report to re-open account, even those I asked them not to as the card was closed in error.     After they re-opened the card, I started using the card in  XXXX   XXXX , and the payment was not automatically made on time. In the past, this card and all of my  Citibank  credit cards were enrolled in "  Auto  Pay '' so that the full balance was deducted from my checking account on a monthly basis. When  Citibank  closed and re-opened this card these payment instructions were cancelled, unbeknownst to me.     As soon as I discovered the account was late ( less than {$50.00} was owed ) because payment were no longer being made automatically via Auto-Pay, I immediately called  Citibank  and made a payment over the phone. I asked the representative if this was going to affect my credit report. She said NO. She said if it did, the payment I just made would be applied and blemish on my credit report would resolve itself over a month or two. I found out there is still a blemish on my report and I would like it removed. I called Citibank back and  Citibank  tells me over the phone that they can not removed, even due to the extenuating circumstances described above ...
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} USDOEXXXX-Balance {$0.00}
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Credit Financial (TN)

I received a voicemail on XXXX XXXX, 2017 from XXXX XXXX w/ XXXX XXXX XXXX advising that she received documentation in her office w/ the name XXXX & her SSN. XXXX is a former coworker of mine. XXXX XXXX indicated on the voicemail that if XXXX did not contact them they would serve me and another former coworker. Today, X/XX/2017, while at work, I received a call from XXXX XXXX advising that I would be served if XXXX did not contact the party that sent the request to her office. She provided a phone number XXXX & case number. I advised her that I have never cosigned for anything of XXXX 's so I should not be listed. I called the number & was advised it is for American Credit Financial. They refuse to provide information to me.They only insist that XXXX call. They, American Credit Financial & XXXX XXXX XXXX, are acting in a very threatening way as the voicemail indicated they would attempt to serve me at my job & home. They refuse to advise if I was simply listed as a reference or if I am responsible for a debt. Please help because I can not make the debtor call when they clearly do not want to.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union offered investment account which I accepted and opened. Two years ago I closed the account but they keep sending me messages and now they are adding new fees. I went on chat and they said I still had XXXX cents in the account and I needed to login to the account and transfer out the XXXX cents. I told them I did that already twice before and small amounts keep popping back out. I am not willing to do that again nor confirm the account number to send the XXXX cents because I've done it twice already and it could be a phishing attempt. Basically Navy Federal will not let me close the investment account.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXXXXXX 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 According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX permission to furnish these accounts
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (OH)

I had 4 1/2 appointments with XXXX XXXX and have the email documentation to show this. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to get medical help but the XXXX XXXX tech utilized harassment and intimidation through other jobs to make sure I was unable to get medical help. I tried since XX/XX/XXXX to email XXXX XXXX and tried their corporate to receive no resolution. They may have even allowed other people to come in under my name or for free. I worked hard after divorce/abuse in XXXX to raise my credit score from XXXX to a XXXX. My goal is an 800. I pay to fortiva lending as agreed for the retail credit card. One payment I submitted on time in XXXX of XXXX but it wasnt processed till XXXX XXXX  and they charged a late fee though it appeared to be a technical issue of 4 hours. Now that Im asking for help to get money refunded for what I havent used fortiva is neglecting to help and just keeps transferring reps. They were told that ideal image used an unqualified/unlicensed tech and when I reviewed Ohio codes they should be licensed in Ohio. Fortiva is also aware I was assaulted in XXXX XXXX business, then further harassed and intimidated. Can you please find a way to help so I can not effect my credit score badly and not make payments to a place where Im not receiving service and was injured. Its making the trauma related to this worse! 

Ally lending seems to be helping unlike fortiva. I am hoping this report helps to ensure I do t get hurt further.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (TX)

Hello my name is XXXX XXXX, Im contacting you all because I dont know what to do I dont know where to start. But I have an account with credit karma money spend and my money keep coming up missing out my account. It has to be an inside Job they wont give me my money back. XXXX 6 times and they are not investigating or doing anything please help ( credit karma money spend )
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CO)

My discover account is currently closed but i'm still making the required monthly payments. on my credit report discover is currently reporting my account as " consumer disputes- Reinvestigation in progress. I'm not disputing this account and need the disputes to be closed as right now it is impacting my ability to purchase a new house. I never asked for a new investigation and didn't ask for the comment to be put on all my credit report.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I didn't know I had a balance. My family who I have zero contact for years ... 10 to 15 years were contacted and said they were given quite a bit of info about me and that I could go to jail.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2018, I submitted a payment of {$25.00} in the system of PayPal extra MasterCard, paypal extra tried to extract {$670.00} ( NOT {$25.00} ) my bank declined the transaction, now they want to charge me {$25.00} late payment and consequently damage my credit history. 

It is important to mention that extra PayPal and PayPal are two completely different banks