davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (TX)

i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated (GA)

Received unemployment payment on a debit card issued by the state of Georgia ( Way2Go Card ) even though when i filed my unemployment claim, i requested direct deposit. Received card and need to pay bills. Opted to use Way2Go bill pay services ( GO program bill pay ) to pay my XXXX  Visa Credit card. I selected XXXX MC/Visa and input my credit card account number. Received confirmation and with in few days, it was posted on the Way2Go app but not visible by my credit card bank. I called XXXX and confirmed that they did not see any pending payments. So It's confirmed that the payment was removed from my account but did not go to the proper recipient. I attempted to call Way2Go to attempt to resolve this and have the funds returned but they said they file a case and it will take anywhere from 45 - 90 days. This is a nightmare. That's a lot of money gone and the service I used that ultimately made the mistake is not remedying this appropriately.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

On XX/XX/year> OneMain financial did a hard inquiry on my credit report after stating on their website checking to see if I qualify would not effect my credit score. I have not even finished out the application before they did a hard inquiry. When I first put my information in it stated that the credit check would not effect my score. Immediately after submitting my information I received multiple alerts on my accounts stating I had a new hard inquiry from onemain financial. This is false advertisement. I would have never went through with this if I had known they were actually going to do a hard inquiry.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (KY)

I tried opening a savings account online and it failed with all three attempts simply because the system couldn't verify my identity online.

I decided to call in to get a resolution and was offered to open an account over the phone. At the latter part of the application process, I had to submit a driver 's license as ID. I told the personnel I have my passport and that was okay if I can provide a utility bill as supporting.

I submitted my passport and my Electric & Gas bill in both my name and my co-inhabitant 's name. Then I was told by this personnel which I believe her name was XXXX XXXX ( XXXX ) that it was forbidden to have two names on any utility bill according to BMO policies. 

I figured it could be a policy alright but a ridiculous one because there's the primary account holder ( which is XXXX, who actually pays the rent especially with the lease in her name ), and there's me the joint account holder ( who contributes with some household expenses like utilities ). 

Although both our names are on the utilities and subsequently any other utilities, BMO suggests I remove XXXXXXXX XXXX name ( the lessor ) as the primary account holder of our Electric & Gas bill and replace with my name then it will be considered by BMO as a valid utility bill or proof of address.

It sounded ignorant at first but she was serious on the phone and implied indirectly that all my accounts opened with my utility bill are beneath BMO 's standards.

I don't really understand what the problem really is unless BMO actually thinks this made-up policy will hold in any court.

I'm not walking into any branch of BMO until absolutely necessary and has nothing whatsoever to do with discrimination. 

So far, I have filed complaints against XXXX for claiming they don't accept passports immediately they saw my passport was issued in XXXX and XXXX for also claiming my name was in the wrong order with a consumer reporting agency and were both met with legal consequences until my accounts were opened. 

Today XX/XX/year>, its BMO and it claims all secondary names on all the utility bills in XXXX as simply bogus to them because only the primary names on any bill should be the applicant. In addition, I should rent or live alone before my utility bills will be considered valid. Other than that, the bills I have personally been paying my portion of for the past year with my co-inhabitant its simply nothing to BMO. 

The treatment from some of these XXXX Fraud Departments are simply the worse so far in my experience. 

I have attached a copy of my utility so BMO can officially disclose to me that The XXXX XXXX XXXX XXXX XXXX 's bills are not a valid proof of address when there's a second person on there.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ACCT XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Equifax ( the worse ), XXXX  and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.
Consumer complaint received 2020-08-22
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. (GA)

on 3 different occasion i have sent depute letters to XXXX, XXXX and Equifax about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Im in the middle of refinancing my home and the lender can not access my credit report because Experian has a freeze on it. It is impossible to reach anyone on the phone which makes no sense to have a customer service line with no operators to assist.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (IL)

On XXXX XXXX an ACH payment was presented to my Citibank account from XXXX Credit Card. On XXXX XXXX I contacted Citibank because I had an alert of an overdraft. When I contacted Citibank my checking account had sufficient money to pay the ACH item from XXXX and in fact had already been deducted from the account. I asked Citibank to make sure the item was paid and they told me they refused to " force pay '' the item because they had updated their computer systems and it would not allow that to be done by the branch manager or the XXXX number. This was clearly done in order to charge me a {$35.00} late fee. This in turn resulted in a {$39.00} late fee from XXXX and a {$160.00} interest fee.
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Formal complaint # 3 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX Payment being withheld into an unapplied funds! 
I am XXXX XXXX with the Mortgage Account # XXXX! This letter is a formal complaint against Wells Fargo Mortgage Co. for funds misappropriation by withholding payment into an unapplied funds- account for two weeks in order to gain and maximize the interests collected on the mortgage loan. 
Wells Fargo has designed its mortgage payment system into different LOGICS in order to collect illegally more interests and extend the life of the mortgage. Funds received are applied consistently at an inconsistent pattern in order to defraud me and others. I set auto pay with Wells Fargo to withdraw more than two full payments, one on the XXXX and the other on the XXXX of every month. The payment on the XXXX  is to be collected and applied on the XXXX  for the current month principal and interest payment. The second payment on the XXXX  of the month is to be collected and applied for principal only of the current month. 
Wells Fargo seems to be using both human and an electronic management system to withhold payments to the principal into an UNAPPLIED FUNDS. Starting in XX/XX/2020, suddenly, Wells Fargo temporarily withheld my payment in an Unapplied Funds. Then, on XX/XX/XXXX, Wells Fargo applied such funds to XXXX and XXXX regular payments of principal and interests, please see payment history attachment. Again, on XX/XX/2020 Wells Fargo collected, but redirected the XXXX payment into an Unapplied Funds. I called WF about the continuous misappropriation of my monthly payments. 
Wells Fargo computerize logics are designed to move and apply funds to facilitate a variety of illegal schemes just to collect more compound interests. Moreover, such illegal schemes extend the life of the mortgage. Hence, Wells Fargo has been defrauding me in many willful deceitful schemes. 
This is not just a computerized scheme, Wells Fargo illegally withheld the regular monthly payment for a few days, then they applied the fund to two separate future monthly payments of principal and interest for XX/XX/2020 and XX/XX/2020. I do not know what they had planned for the XX/XX/2020 regular payment withheld in the Unapplied Funds. 
Sincerely, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

In XX/XX/XXXX I was notified I was in default despite being set up through their online system to make automatic payments on the balance shown. They notified me that not ALL of my payments would display if they were not up for repayment or in default. I made a XXXX payment to bring my accounts up to date on XX/XX/XXXX. I continued paying on time through auto payments up until present day. However, inXX/XX/XXXX I was notified again of being in default through a credit report. I called and they notified me I was in default and reported to credit agencies and was late on {$16000.00}. To bring it up to date I would need to make that payment. This amount due was not shown when I log into their system to review my balances, their online system not only did not include these loans but shown that all of my payments were received, on time and current. Further, I never received any mail that indicated there were other balances or I was late. Lastly, XXXX XXXX has failed to update any of the credit bureaus with accurate payment history since XX/XX/XXXX despite making full and timely payments. This has resulted in losing 200 credits on my score making it impossible for me to qualify for a home loan, credit cards, and business credit. This is the ONLY negative on my credit score and they are ALL coming from the lack of accurate reporting of XXXX XXXX. There were times prior to XX/XX/XXXX that I had been late but after finding financial security I have been diligent about making full and timely payments but have not seen any updates reported to credit bureaus. However the inaccurate and incomplete documentation by XXXX XXXX has also made it impossible for me to organize, plan, and monitor the payoff of my loans.

I have attached a full payment history as well as a screenshot of what I see when I log into my account showing a XXXX dollar balance due.
Consumer complaint received 2021-02-20
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: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly
Consumer complaint received 2023-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I received a notice from a XXXX XXXX that I owed money for a purchase made from a company XXXX XXXX, XX/XX/year> and also allegedly entered into a loan agreement with a XXXX XXXX XX/XX/XXXX which is affiliated withXX/XX/XXXX A loan company. It was for a large piece of machinery that I would not use nor have the room for such item. I never entered any loan agreement. Never received said item not any information via mail, or e-mail in regards to said loan agreement with either XXXX or this XX/XX/XXXX I never signed any documents for any loan or any item that was supposedly delivered but it never was. I contacted XXXX XXXX and there is a record of the sale, but it showed said loan was closed, but had no further information. I contactedXX/XX/XXXXdirectly and was told to e-mail them and it would be escalated to their fraud department. I have done that. I haven't heard anything, but after reading many complaints regarding this bank and XXXX XXXX on the XX/XX/XXXX site it seems this has happened to many people and it doesn't seem legal, but somehow they are getting away with creating so called debts and loans that try to pursue payment for these loans to the point of suing, which is now happening to me. I never ordered nor had a loan with XXXX XXXX or a purchase from XXXX XXXX. XXXX is now trying to collect this debt and even suing me, so I am filing this report to respond to their claim by officially stating through the FTC someone or some company created this whole thing and are trying to hold me responsible. I have also tried to track down the delivery of said package, but the tracking numbers aren't valid and I get nowhere without valid tracking info. Every avenue I take is a dead end, but rest assured I DID NOT ORDER THIS ITEM I am being held responsible for. This XXXX XXXX shows a loan paperwork, but nothing with a signature or any proof of acceptance. Also there are no reports on my credit report for this loan since it was initiated in XX/XX/XXXX I would think if I was default I would have receive numerous calls, letters or bad credit reporting for defaulting on said loan. NOTHING. Only after this XXXX XXXX sent me notice that I supposedly owed this money did it appear which I quickly disputed and it was then removed. I never even got a phone call from XXXX, XXXX XXXX or now this XXXX XXXX regarding this debt ....
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NC)

I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} XXXX How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, XXXX, Equifax-XX/XX/XXXX. Only lived at XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (CA)

In XX/XX/year>, I mailed GM Financial a negotiable instrument in the amount of the loan for the vehicle. The instrument was sent with a contract that stipulated a time for a response. 1st, and stipulated terms for the acceptance or declining of the negotiable instrument. GM were to update my account in the consumer report to paid in full and all debts discharged should they accept the negotiable instrument. If GM did not accept the negotiable instrument then they were to return the negotiable instrument to the Holder In Due Course, or in this case me.

GM Financial, 1st violated my right to privacy by reporting and or selling my personal identifying information to Credit Reporting Agencies and third parties without my consent. That is Identity theft. 

2. GM accepted my negotiable instrument and agreed to the terms written in the XX/XX/year> contract. GM never returned the negotiable instrument and they did not respond in the contract timely.

3.GM responded after the contract time had expired and with me that they received and accepted my negotiable instrument and the terms in the contract. Stating in the letter ( RE Documents Received Account # XXXX XXXX XXXX. However GM then would go onto the use of threatening, conspicuous, babel, that even mentioned rhetoric on from Federal Law Enforcement Agency. further engaging in fraud.

4. Furthermore I received a lette from a third party debt collector who where attempting to collect the same debt that GM was attempting to collect in there response letter. This debt collection effort was further evidence of fraud by GM as it was now apparent they had sold my PII and orginal contract to a third party without my consent and were at the same time acting as a debt collector attempting to colr that was attempting to collect the same debt as third party debt collector they fraudulent sold my PII too. Third Party Debt Collector is XXXX XXXX