davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
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. (TX)

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my  phone is ( XXXX ) XXXX-XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (MI)

Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.
Consumer complaint received 2022-02-12
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. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (PA)

I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE (IN)

I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is XXXX
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.
Consumer complaint received 2016-03-14
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (VA)

This is just a follow-up on the complain I submitted XXXX XXXX with case # XXXX. I have contacted Macy 's executive office after CFPB contacted them. On XXXX XXXX, XXXX XXXX XXXX of Macy 's executive office send me a letter saying after their further investigation, they located the payments that were made using my checking account. Her letter also indicated that the amount {$380.00} will be refunded back to my checking account and allow 3 to 5 business days for processing. ( that was XXXX ) Her letter indicated a wrong account number ( account ending in XXXX ). Since the incident, I have closed my Checking Account. My account number is XXXX XXXX XXXX XXXX, account # XXXX. After a few phone calls ( leaving messages all the time ) I finally talked to her and gave her the correct account number. That was XXXX XXXX. Maybe with your help, XXXX will finally resolve this problem. XXXX XXXX phone at XXXX is XXXX Extension XXXX. Thank you so much.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have tried many times to get a proper response from Midland credit Management and they have failed to do that. I provided them with sufficient evidence to prove my case of identity theft and never got an answer from them. I had a trial set for XX/XX/2021 and never got a notification of continuance from them and missed a day of work for nothing. They have committed violations under the FDCPA section 805, 807 and 809. I have sent numerous emails to their agency and lawyer ( XXXX XXXX ) and never got a response from them either. This is very irresponsible and insensitive and is causing collateral damage to my credit report and impacting my life very negatively at this point. As I can not get approved for credit cards or loans because of now years as a victim of Identity Theft.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NC)

I reviewed my consumer reports and I noticed that Navient has reported XXXX consecutive late payments ( XXXX through XXXX ) on an account that I was in payment deferred status at the time. There is no way they could report me as late at the time. The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to " OK '' on time as they should be due to the fact that I was never late.
Consumer complaint received 2024-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (OH)

DNF appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

From my credit report " BK OF AMER Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
BK OF AMER '' I assume this means the bank of America, with who I don't have a credit account with.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

For many years I tried to get on some sort of Income Based payment plan with Navient ( and before them XXXX ) to begin the repayment process. Every time I asked I was placed on some sort of deferment or forbearance program ( including an administrative one they seemed to make up for me ) instead. As a result the interest continued to grow and compound at an alarming rate and is now totally out of control. I was denied any payment plan that would allow me to make payments towards relief and be done long ago with this debt, or at least a hefty chunk of it. Now I 'm unemployed and struggling with XXXX ( XXXX ) and because I 'm married and moved to a community property state Navient wants my husband to pay on these very old student loans-the bulk of which are from before we even met! This is all so very wrong and I 'm not sure what I should or can do next.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. 

Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. 

This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CO)

This company has never contacted me. Furthermore they called me on a company line which I have stated to XXXX XXXX should not be on my account. this line has been in a port transition since XX/XX/XXXX. It was answered by the location that had it waiting for the port and told all callers my cell number yet this Central Credit Services still called on this number. Something is very fishy about that. They have never contacted me until today and I at least should have the right to protect my credit. if I knew XXXX XXXX had turned this over to collection then I would have had to pay to protect my record. But i didnt. and if they had turned it over how come century link kept speaking with me? No one has informed me.If Central Credit Services is where the calls get routed when in dispute with century link they have never identified themselves as a collection company or I have been mislead into thinking this was XXXX XXXX. I need the opportunity to pay it before it goes on my credit and seek other solution at the court level.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (OH)

I had major XXXX XXXX a few months ago and was unable to maintain my credit cards I called in and asked for a settlement deal on two cards that are now concord credit, Indigo and Destiny, I received the offers in the mail and I made the payments requested by the date request via phone, on both cards to close the accounts, but they did not close them, but instead doubled fees the next pay period, I called and U was told that the customer service rep who took the payment forgot to put in the code and it would be fixed, that was more than XXXX weeks ago and yet another killing cycle went thru with even more charges, Indigo credit card number XXXX XXXX XXXX XXXX Destiny card number XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I received a letter from Synchrony Bank dated XX/XX/2020 stating that my account was being closed because I had a low credit score. At the time I was aware of my credit score which was a XXXX. They stated it was a XXXX which was grossly inaccurate. When I called the company to get clarity no one provided any information.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (FL)

I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

I was reported to collections by TransWorldSystem Inc. on XX/XX/XXXX. I contacted the TransWorldSystem Inc. and they advised me that XXXX XXXX reported me with Account Number XXXX, with a balance date of XX/XX/XXXX for an original amount of {$2300.00} and phone number of XXXX. 

They advised me that XXXX XXXX had XXXX account numbers under my social security number and my name. 
XXXX. Account # XXXX, address of XXXX XXXX XXXX, XXXX, TX XXXX, Reference # XXXX XXXX. Account # XXXX, address of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX, Reference # XXXX It should be noted, I never visited or lived in Texas and have lived in XXXX XXXX, NJ and worked for XXXX XXXX XXXX
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NV)

I dislocated my shoulder on XXXX XXXX originally live in XXXX XXXX but I was at XXXX Nevada at the time to attend a martial arts event.I dislocated my shoulder doing a bench press at this event.I was taken to XXXX XXXX XXXX after the injury by a car from someone from that event.The hospital address was XXXX XXXX XXXX XXXX checked in the hospital.They took me the ER after less than 1 hour waiting I told the nurses that I had to leave because I had to go back to XXXX XXXXI was dismissed from the hospital.I went to another hospital in XXXX XXXX instead to fix my shoulder.I never got my shoulder fix from XXXX XXXX XXXXMonths later I get 2 bills from XXXX XXXX XXXXone XXXX $ and XXXX $ .I tried negotiating the price, feeling that I was being overcharged.They refuse to negotiate with me.Now they have sent me to collection agency.A bill collector is currently trying to contact me by letter.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capstone Credit & Collection, LLC. (NC)

Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AR)

On due date I paid {$40.00} toward my Lowe 's CC balance. The min pmt was {$29.00}, so I had to select " other amount '' and enter {$40.00}. 
Upon receiving the confirmation email, I realized the total due amount of {$620.00} was paid, not the {$40.00}. I called and was told by the representative that they could refund my pmt in 7 business days. I called in 7 days just to be told I would need to wait 2 more days. I was also told the pmt would not be electronically deposited back into my account, rather I would have to wait an additional, up to 13 days to receive a paper check in the mail. We shall see if I receive a check. Meanwhile, my checking acct balance is at {$28.00}, with other bills due.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.