davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

The credit reporting agencies are committing identity theft, they are using my personal informatiomn for their monetary gain. per 15 usc 6802 through 15 usc 6805. As well the financial institutions that furnished the information to the credit reporting agencies never gave me a chance to opt out of them reporting my personal information therefore id like to take this time to officially opt out of the Accounts listed in the attachment.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (HI)

MOHELA has been impossible to get a hold of. Ive submitted an employment verification form to them in XX/XX/year>XXXX  to get some payments Ive made towards PSFL to become eligible as I believe there are several loans for which are now eligible for foregiveness. I sent a message on XX/XX/XXXX asking for a status and all I have been getting is automated weekly emails saying they will respond in 15 days. I even tried calling and waited on hold for a representative for over 4 hours before giving up. How are borrowers supposed to manage their loans if the servicer wont even respond to their messages?
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

Im reaching out because my belongings were stolen from me two days after XXXX XXXX XXXX XXXX XXXX XXXX XXXX my belongings included my phone, the person who stole my belongings had access to my phone and I never knew they made any unauthorized transactions until today. After getting law enforcement involved they were able to investigate and track my phone down several days later. I got my belongings back on XXXX XXXX XXXX XXXX  I didnt think to check my bank statement to see if any money was missing. I went to pay my rent and I noticed that there was thousands of dollars missing, they made several unauthorized transactions on my account without my knowledge. On XXXX XXXX XXXX, they sent XXXX XXXX payment to their self of {$2100.00}. On XXXX XXXX XXXX they did an XXXX XXXX balance add of {$300.00}. On XX/XX/XXXX they sent two different payments to their chime account, at XXXX they sent {$1.00} transfer to the name of XXXX XXXX XXXX at XXXX they sent another money transfer of {$550.00} to the name of XXXX XXXX XXXX I have gave all this information to my lawyer and the local authorities, they are building a case and this is currently under investigation. The person who stole my belongings also stole money from my account using my phone and they sent money transfers to their mobile number and to their chime account. I reached out to chime about the situation, I am also filing a lawsuit now because my lawyer has to sue chime if they refuse to refund me the money that was stolen from me. The local authorities have been notified and this is currently under investigation right now. I have shared this to all social media platforms and thousands of people are now aware of the situation and I have informed them to not use chime because of this situation. I would like my money back please, I cant pay my rent or bills because of this.
Consumer complaint received 2024-01-18
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc (WA)

I contacted them after I was being garnished and they couldn't help me. I even called and no one want to speak to me that it's all done and nothing I can do. 

My problem now I was hospitalized and I have so much bills that after my garnishment all I have left is to pay rent. 

I don't know how to Contact the court to help me fight
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

I believe at XXXX XXXX in XXXX, Texas. I was unfairly denied credit. When I have enough money to pay the loan. My only outstanding debt is XXXX XXXX XXXX at $ XXXX. I do not have any other debt that adds to more than {$800.00}. There's no reason, I work XXXX jobs at XXXX $ - {$4000.00} a month. I don't qualify for a vehicle loan. And, I have an out of state license. It might be discrimination.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (NV)

It is not possible to reach anyone at BMO.

I'm not sure who authorized the double payment at BMO, I need it back. 

I need it back from XXXX, too, that will be a separate report. 

I copy my XXXX chat : You double charged me ( via XXXX Balance AND BMO bank ), and then run a return scam on my account. The image is below. I will get both payments back, but we're now going through a group of XXXX homeless stalkers who access this system, but can not make refunds. 
XXXX XXXX XXXXXXXX I need XXXX XXXX XXXX XXXX 
You double charged, and then you pretend I returned, and faked a XXXX XXXX  refund, that you also didn't send. 
The image of the return scam : XXXX XXXX XXXXXXXX One transaction : XXXX Transaction amount {$38.00} XXXX On BMO there's no ID. 

And then on BMO.. how did the same charge get there?
Consumer complaint received 2024-03-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp. (ME)

Marcam Associates calls me ALL the time. I have XXXX  debt from multiple XXXX, which not all of our insurnace covered. Lately it will say " private number '' but in the past they would use a local ( XXXX ) area code, or an ( XXXX ) #. Now it just says " private '' and i let it go to voicemail. Same message every time. They also send bills through the mail every week, multiple times a week. I don't have the money to pay it off, so I guess it will just continue until I die. I have asked them to stop calling me and that doesn't matter. I work full time, have health insurance and it's just not enough for these people.
Consumer complaint received 2024-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Revenue Systems, Inc. (SC)

I received a letter on XX/XX/XXXX, about a debt I owed to XXXX XXXX XXXX XXXX XXXX for {$180.00}. The company sending this letter is Business Revenue Systems , Inc., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and the reference number is XXXX. I called this company at the number given of ( XXXX ) XXXX to inquire about this matter and was told it was for a XXXX XXXX. I told them that the last XXXX XXXX I received was in XXXXXXXX XXXX XXXXXXXX and that I have XXXX and the XXXX XXXX takes care of my health. The lady I spoke to continued to put me on hold when I brought up my insurance and the XXXX XXXX. She finally told me to send her authorization from the XXXX XXXX. I tried to call this company back later that afternoon for more information and a recording came on stating that " This number belongs to someone else. ''
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (MI)

My name is XXXX XXXX and I am filing this complaint myself against Ford Motor Credit for a 30 day late payment they reported on my credit report in XX/XX/2022. This 30 day late payment was reported due to a bank error on Ford Motor Credit 's end. In XX/XX/2022 I requested to have my lease extended due to the fact the new vehicle that I ordered from XXXX was not available yet. I provided Ford Motor Credit the order receipt to show that I was waiting on a new vehicle and in the meantime they were to extend my lease. I was waiting for my New Payment amount, and new payment date to be generated as their were no options to pay online because the new payment amount was not available on the system. I don't know how Ford Motor Credit expected me to make a payment when the option was not available by phone or online. This is clearly a bank error and needs to be corrected as this affected my ability to refinance my home because this Inaccurate Late Payment Reported by Ford Motor Credit has dropped my credit score XXXX points. I need this to be corrected in the next 30 days. I have consulted with a credit attorney that I have not hired yet to know my rights and what to expect. I am expecting this to be corrected in the next 30 days so I can save my time and energy hiring these attorneys to help me correct this issue.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In Accordance with the fair credit report act the visitor accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Delete account as soon as possible
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (CA)

On XX/XX/2024 I had an unauthorized charge on my account in the amount of {$77.00} as the merchant charged me twice. I called my bank to file a dispute and they declined to even take the dispute. I called back two more times and I assume as part of their practice they say I will not be able to help you and have other customers that need help and will hang up now. I was not rude so to hang up on me should not have been needed. I also asked if they could provide in writing why they would refuse to even take my dispute and they said no.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I recently applied for an American Express card and it was denied. By submitting my application they are now able to transfer and make money off of it, and yet they have not offered me any compensation for that. Per the SEC Filing Trust Agreement it shows the application was turned into a security therefore can not be denied. This company has committed fraud by not giving me an account with them.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (NY)

On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (SC)

You closed my previous complaint because you said " the company responded ''. PHH mortgage sent me a letter XXXX month ago ( XX/XX/15 ) telling me they were in possession of the {$1900.00} that they over XXXX on my escrow account and would refund that amount to my escrow account within XXXX days. They have NOT done so and are still in possession of my money. I need your assistance in recovering my money that they appear to be stealing from me. What is it this agency id here for if you can not protect consumers as you advertise? My previous complaint HAS NOT BEEN RESOLVED.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

All State Credit Bureau accessed my credit without my written consent. They stated they did it because of a judgement they have against me this is false. All State Credit Bureau has never took me to court, they dont have a judgement against me, and they should not have my personal information. I have never done business with this company and I demand they show a proof that I owe them a debt and have an account with them. As previous stated this company is violating my rights as a consumer for falsely stating that I have a debt or any binding contractual agreement with them.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I never received any type of communication from this company and they reported a debt for {$130.00} to my credit. I have never even had cable in my life and it appears they are a cable company. I asked for proof and it was never received and I have lived in Texas for the last 10 years of my life
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.
Consumer complaint received 2024-03-15
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: Eastern Account Systems of Connecticut, Inc. (FL)

I have sent multiple letters to this creditor to get this inaccurate account removed from my credit report. It has been more than 60 days and still no change which is a defamation of my character with false and misleading items that are not verified on my report. I wish to have this removed immediately. I do not owe eastern accos in the amount of {$190.00}
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.
Consumer complaint received 2016-09-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Recovery Services, LLC (ID)

I Receive a collection letter from XXXX at XXXX, Idaho XXXX stating that I owe an account with Medical Recovery Services , LLC. I replied demanding Validation of Debt as I did not know anything about such account. Account was never validated. Instead they took my account submitted to court for judgment. I submitted more letters demanding proof/validation of debt. did not respond and this account was declared as Default by the XXXX county civil Court Judge. They refused to answer my letters and refused to update account accordingly. 
XXXX/XXXX/2016 Application for Entry of Default XXXX/XXXX/2016 Application for Default Judgment XXXX/XXXX/2016 Affidavit in Support of Application for Default Judgment XXXX/XXXX/2016 Order for Entry of Default and Default XXXX/XXXX/2016 Affidavit In Support Of Writ Of Execution XXXX/XXXX/2016 Writ Of Execution Issued {$1000.00} XXXX County
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central States Recovery, Inc. (MO)

I have tried repeatedly to resolve this issue. It should have never made it to collection. The address the bill were being sent to was incorrect in first place. I have called several time to set up payment arrangements and settle this debt and have been told no each time. Including XXXX  XX/XX/year>. Central States Recovery
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NJ)

I have attempted to contact Security Credit Services for the past 4 weeks now and have been unsuccessful. When I call them, it rings for a few times and then their system sends me to leave a voice message. I have left them over 8 voice messages on different days and weeks and they never reach back out to me. 

The original debt was fraudulent and belonged to a company called XXXX. I previously submitted a dispute and they removed it from my credit report. However, I recently noticed that they put it back on my credit report back in XX/XX/2023, under Security Credit Services, which appears to be a Collection Agency. 

I have tried to contact this agency for weeks and they are unwilling to talk to me. I can't get information on the debt, nor pay it because they are ignoring all my calls. Below is the contact information they left on my credit profile. 

SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Empire Home Loans, Inc. (OR)

In an attempt to finance a home in XXXX XXXX with XXXX XXXX XXXX XXXX Empire Home Loans, she asked us to fill out app. We completed and we never heard back. Several days later I text her to get information regarding approval. She snapped at me for calling her when she thought we already spoke that morning in which we didnt. Then she said we never submitted our financials, when we did a week prior. We realized shes mixing us up with another client. This making us uneasy, we decided to use another lender. I was honest in telling her why we were not going to use her, and she was rude, confrontational. That same afternoon, she clearly retaliated by putting us on a call list with all lenders. Our phones are on silent now as we receive over XXXX calls a day. Weve worked with lenders in past on every buy or sell and have NEVER experienced this. This is retaliation and XXXX XXXX needs to be held accountable.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (WA)

XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.