davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (OH)

Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

In XX/XX/2021 I enrolled into a debt consolidation program with XXXX XXXX XXXX. My Discover credit card was one of my debts that I wanted to enroll in the program. My total debt with Discover was {$3900.00} with enrolling into the program. I was advised to stop making payments so that they could come up with a settlement. XXXX XXXX XXXX contacted Discover to come up with a settlement for my debt Discover in return wants me to pay {$18000.00} for a debt that was only {$3900.00}. Thats + {$14000.00} more than what my actual debt was before entering into the program. This has caused me Anxiety to know that during hard times that a credit card company could do this to me.
Consumer complaint received 2022-09-07
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: LEXISNEXIS (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or around XX/XX/2018, I contacted Portfolio Recovery Associates, LLC to inquire about them honoring a settlement letter I received from them in regards to my XXXX  debt account # ending in XXXX. After spending almost an hour on the phone with the representative, we agreed to auto debit my account for {$570.00} instead of the {$1200.00} owed. I received a my confirmation letter, checked my account a few weeks later and realized my account was not debited. I sent the agreed amount of {$570.00}. Rather than reporting to the credit bureaus that my debt was settled or closed, they reported it as a payment still owing {$700.00} which negatively impacted my credit score. When I spoke with the representative, he stated that the debit did not go through and they weren't honoring the settlement. He could not tell me why the debit wasn't processed, although I have proof that the funds were in my account and available. He refused to honor the agreement. I believe that Portfolio Recovery never intended to honor the settlement and it was a fraudulent collection tactic. I can provide a copy of my money order stub and bank statement as well reflecting fund availabilities for dates preceding and proceeding my call to Portfolio Recovery.
Consumer complaint received 2017-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP (IN)

I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.
Consumer complaint received 2017-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (CO)

I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.
Consumer complaint received 2023-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlantic Recovery Solutions LLC (NY)

On XX/XX/XXXX I got a voice message from something called ARS ( only a acronym, nothing else ) by a man named XXXX asking for me to call because of a " Time sensitive matter '' with no other information on what it was about or who they were, same with my parents and my sister. Being I get scam calls sometimes I didn't call because I naturally assumed it was a scam. In the month of XXXX I got 2 text messages in a week to " Confirm my location '' from ARS ( again just the acronym ) Finally on Wednesday XX/XX/XXXX I got two messages while at work from A XXXX XXXX from two different numbers within 10 minutes of each other from what I now know to be Atlantic Recovery Solutions involving supposed debt from XXXX, A institution I haven't been involved with in at least 8 years, asking to verify personal information about myself making it seem like they tried to reach me multiple times instead of that one time in XXXX. My mother and step father as far as I know were also called in that time too. I was advised not to respond. 

I have never received anything in the mail or in writing about anything involving any supposed debt. Just a call with at the time vague acronym ( ARS ). I have even checked all 3 credit reports and have found nothing on them indicated in the last 7 years that most credit reports go back. If their is any supposed debt why attempt to collect after it's more than likely legally passed the Statue of Limitations to take any legal action in most states, Including the current SoT of 3 years in my state or the original one of 6 years.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  XXXX XXXX Reported me as a 30 days past due to all XXXX credit bureaus for the month of XX/XX/2024. Which is not true as I had refinanced and the new mortgage company got a loan payoff from XXXX XXXX XXXX XXXX, and they forwarded the monies to XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. When I called in to speak to their representatives, XXXX, XXXX, XXXX and XXXX, they all agreed and confirmed that XXXX XXXX XXXX XXXX  did in fact received the full amount due on XX/XX/2024 and the account was paid in full and closed.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union has continually held payments that Ive made to cause me to incur fees. 
For instance, Navy Federal held my XXXX payment for 5+ business days last month to the point that I had to call XXXX to have access to my credit card because the payment was held by NFCU so long.

NFCU will hold payments and show payments as pending to try to order the payments smallest times largest and after a few days of holding the payment, it will clear for an earlier date than it was released. So with the XXXX payment of {$1500.00}, I made the payment on XX/XX/2022. It was pending until XX/XX/XXXX and when I went into my account on XX/XX/XXXX, my NFCU account said that the XXXX payment cleared on XX/XX/2022. But XXXX put an alert on my credit card so that Id have to call before using my credit card because NFCU had held paying them so long. 
The same has happened with my XXXX XXXX payment in XXXX and this month ( XXXX ). I transfer money from my NFCU business checking account to pay my bills. So I transferred {$700.00} from my NFCU business checking on XX/XX/2022 to my personal checking after which I paid my XXXX XXXX Payment in the amount of {$420.00}. When I went to my NFCU personal checking account on XX/XX/2022 around XXXX, I transferred the remaining balance of my personal checking account into my business checking account thinking that all my bills were paid. I awake today, XX/XX/2022 to discover that the XXXX XXXX payment that cleared during the morning on XX/XX/2022 was reversed and the {$85.00} donation to a church was instead paid ( which I admit I forgot about ). When I called the customer service line to confirm that the XXXX XXXX cleared and was paid on XX/XX/2022 I was told by the representative that it cleared as was paid- I think her name was XXXX XXXX 
I asked for a supervisor whom told me that the bank pays transactions smallest to largest! So my payment was apparently paid and reversed after I transferred the remaining balance of my personal checking account back to my business checking account in the afternoon on XX/XX/2022. NFCU held my transaction to cause me to incur a fee even though the money was available when it was originally cleared on the morning of XX/XX/2022 but reversed it after I transferred my remaining balance to my business checking account in the afternoon of XX/XX/2022. The transaction was apparently paid according to a bank representative that I spoke to around XXXX on XX/XX/2022 and then reversed by Navy Federal Credit Union when I transferred my remaining balance to my business checking. This has now cost me {$100.00} in fees! Ive incurred {$82.00} in fees from XXXX XXXX and a {$29.00} return check fee from XXXX XXXX!
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-10-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance in saving my home with my lender, Bank of America, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. My attorney confirmed Bank of America received my full and complete application and all financials. Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015 with a sale date set for XXXX/XXXX/2015. I am told per RESPA - Mortgage Servicing Regulation X XXXX, my servicer is not supposed to move forward with foreclosure ( XXXX ) if I have an application submitted XXXX days prior to any sale date. My application was submitted 41 days prior to any sale date. I feel my servicer, Bank of America, illegally recorded a notice of sale against me and is therefore now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions appear to violate RESP Reg x ( 1024.41 ).
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

This is the third time I've reported Experian for incorrect information on my credit report. Does your company do anything about it, or just send my complaint to them? Does the CFPB have any teeth or are you all bark?! 
I have an account on file with them from XXXX XXXX Bank that shows an outstanding balance of over {$800.00} dollars. 
XXXX has closed this and sent several AUD 's to Experian. However, it still exists on file and has now screwed me over when I tried to lease an apartment. This is absolute garbage. I called Experian several times and they keep telling me that because I already disputed it, they can't do anything about it. However, they never fixed it. So now when I try to tell them it's not correct, they dismiss it. XXXX has also contacted them and they've done nothing. I'll be filing against someone and would like to know who is responsible for this mess.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My name is XXXX XXXX mortgage holder Specialized Loan Servicing account loan number # XXXX is claiming that I have a past due amount on my mortgage for late charges past due in the amount of XXXX plus other late fees on my account. I have asked for proof of the amounts SLS mortgage is claiming I owe them for approximately 3 years with no proof or response with documentation of the fees they are claiming I owe them. Once again I am asking Specialized Loan Service for proof of the amount they are claiming to be owed to them and sent to me XXXX XXXX and sent to to cfpb which I owe them nothing and quit wasting my time and energy and send me back a refund for the XXXX and any other charges they have added to my mortgage and if there has been any negative credit reporting to the 3 major credit bureaus that the reporting be erased form my credit profile with a letter of proof that the action was taken care of. My own perspective is I take pride since I first became a homeowner with a mortgage in 1993 I have never ever been late on my mortgage payments with any mortgage servicer or bank since I became a homeowner. I am very familiar with credit and its impact it could have on late payments to any creditor since I was General Sales Manager for 40 years with XXXX XXXX XXXX and ran customers credit daily at least 20 credit bureaus per day and dealt with over 30 lending banks and credit unions. Since I have been dealing with this inaccurate information for 3 years and you will not find any late fees I am asking for a expedite refund of all money owed to me Thank You XXXX XXXX Phone number XXXX Email XXXX I 100 % swear the above information is true and prefer phone calls
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.
Consumer complaint received 2015-08-03
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Asset Acquisition Group, LLC (AL)

I was sued for an old debt that was acquired by Asset Acquisitions Group out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I fell into default and have spent more than 11 months trying to work with my mortgage co. to find a permanent resolution and avoid foreclosure altogether. During my active review for workout assistance they set a sale, and foreclosed on my property violating my homeowner bill of rights. I have proof of my records and just want the sale reconsidered.