davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MD)

On XX/XX/2019, XXXX issued a Notice of Intent to Foreclose for my property, despite the fact that I submitted an application for mortgage assistance on XX/XX/2019. My application, submitted to the identified email address within the XXXX website, remains unacknowledged. XXXX has circumvented their responsibility to me, the borrower, by ignoring my request for assistance, and has proceeded directly to a notice of Intent to Foreclose. This is illegal, isn't it? 

Email submission including Application for Mortgage Assistance attached. 
Notice of Intent to Foreclose attached.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have been using a XXXX  credit card for over 25 years, Paid on time, BUT on XX/XX/2019 I paid Synchrony Bank the company that services the XXXX  card AS I always have {$100.00} for my XXXX Bill!!!!,,,,, BUT they took the {$100.00} and applied it to the XX/XX/2019 bill. 
On XX/XX/XXXX MY XXXX credit card was canceled and Synchrony Bank charged me {$27.00} late fee. And reported me as being late to the credit reporting companies!
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

On XX/XX/2019, I called Lexis Nexis to correct my ( clue ) report for car insurance. The report they mailed me from XX/XX/2019 or so, indicates a lot of duplicate to be deleted- mistakes about me-where I lived duplicated and incorrect to be deleted. Duplicated mistakes about my name to be deleted. My name is XXXX XXXX XXXX.
Consumer complaint received 2019-02-23
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. (NV)

In XX/XX/XXXX my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, XXXX  and Experian.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Offices of Robert J. Colclough, III (CA)

The Law Offices of Robert J Colclough and XXXX XXXX have been calling me at work. They placed a judgement against my checking account for debt owed back in XX/XX/XXXX. Case XXXX. My understanding is that for California residents, collectors are not allowed to call you at work. The collection representative called me and identified himself by first name only and XXXX XXXX. I told him that I'm already working with someone from XXXX XXXX. When I asked the collection representative how did you get my work phone number. That's a clear violation of the Fair Debt Collection Practices Act. He hung up on me. I've been working with a Mr. XXXX XXXX ext XXXX who has been assigned to my case. In the beginning I made many attempts to get a hold of him. He was never available. Finally he calls me back and tells me that I owed {$6800.00} from an old credit card back in XX/XX/XXXX. I told him that I'm going through financial hardship and that I can be placed on an installment plan. He said that he would get back to me by XX/XX/XXXX. I've been calling and leaving messages but nobody has called me back. Instead I get this surprise letter that now I owe {$30000.00}. What is this? They won't call me back to explain. In the attachments are the court docs showing a total of {$6800.00} and letter from Law Offices of Robert J Colclough showing current balance due of {$30000.00}. Smelled like a scam from the beginning but now starting to feeling like one. The only reason why I contacted them is because they got into my checking account.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2019-02-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (UT)

Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. 
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (FL)

I was on my credit report online ( XXXX ) and my credit report has a new company showing up a ( in collections ) company trying to collect the {$800.00} charge is listed as Midwest recovery systems however the actual company is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone XXXX I have never once done any business with this company, never have I signed up or received any loans from this company, I have never received a call, mail, or any type of literature showing this as valid this is a fraudulent charge and I would like to take legal action as I have called both companies one has no record of me, the other is clearly a scam as all they keep trying to is get you to give them personal details via telephone and use scare tactics like telling me ill go to jail unless I give them money, social security number, and other personal details companies like this should be reprimanded and not allowed to be able to do this to good people who actually pay bills, taxes, etc on time without ever being late
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NC)

I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 
1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 
2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 
3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. 

I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.
Consumer complaint received 2020-06-29
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. (PA)

I have submitted 2 disputes to experian, XXXX, and XXXX for account # XXXX for XXXX XXXX ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX  ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.
Consumer complaint received 2019-02-23
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: ID Analytics, Inc. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Consumer complaint received 2019-02-22
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. (CA)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX  & Experian credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Consumer complaint received 2019-02-23
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. (TX)

On XX/XX/XXXX an autoloan with XXXX XXXX bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN :  XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to XXXX and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted XXXX XXXXXXXXBank and disputed this loan as well, I was in contact with an Investigator-XXXX XXXX Bank XXXX XXXX, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called Experian and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XX/XX/XXXX.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

I went to the ER in XXXX XXXX because I had the symptoms of having a XXXX XXXX. I told no less than five attendees that I drank some Turmeric Tea too fast, and that it may be XXXX XXXX. None of them wrote it down. My friend was with me and was a witness to this. I sincerely believe that since I had Insurance, they saw me as a dollar sign. They insisted keeping me overnight, and so I could avoid having to pay a {$100.00} insurance deductible. I should have not listened to them. 

My credit was wrongly attacked because one of the doctors, claimed he was called at XXXX  to assist with the doctors on staff with my case. They didn't tell him about the turmeric tea. Dr. XXXX is the source to what I believe was fraud. I have more than 40 pages of records from the hospital to prove none of them documented the turmeric tea consumption. 
They even referred me to a XXXX XXXX, and they tried to get thousands of dollars from me to investigate more. I also feel they had their ultra sound tech pretend she couldnt see part of my XXXX. I found out ALL of these doctors were on staff at the XXXX XXXX Hospital. I cant help but feel this a racket to make money off of unsuspecting people Dr. XXXX was also asked to not ever return to the hospital to where I was treated. 

I contacted my attorney to get Dr. XXXX XXXX to leave me alone. He told my attorney that I was : 1. XXXX  XXXX, which was not true. 
2. Stated that I maintained a high sodium diet. This is false because I didn't have the benefit of an 8-12 hour fast before they XXXX XXXX. 
3. Stated that I had untreated XXXX XXXX. I have been under a doctor 's care for XXXX XXXX XXXX since XXXX. I didnt have my XXXX machine with me when they admitted me into the hospital. 

This doctor violated HIPAA laws by giving this information to my attorney without my knowledge or permission. 

This fraud is still showing on my XXXX XXXX  report, and I want it gone. I also told RS Clark and Associates ( the Collection Agency ), that the claim was false and fraudulent and they refused to remove it. I am not paying them {$230.00} for their false claims. I am even considering filing a HIPAA violation against this doctor for providing my medical information to a 3rd party without my permission or knowledge. 

Here is the Collection Agency information. 

RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX - {$1400.00} purchase with XXXX XXXX XXXX on CitiBank Credit Card. The cruise was cancelled by XXXX XXXX because of HURRICANE IRMA. A Future Cruise Credit was provided per company policy. A new cruise was selected for XX/XX/XXXX. 

XX/XX/XXXX - The scheduled cruise was cancelled for COVID-19. 

XX/XX/XXXX - XXXX XXXX sends an email allowing Future Cruise Credits OR FULL REFUND promised to be delivered on XX/XX/XXXX. The application for a FULL REFUND was submitted the same day on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX does not issue the refund. A dispute is filed with CitiBank to get a refund for the XX/XX/XXXX ticket. 

XX/XX/XXXX - CitiBank rejects the dispute and charges the account for ANOTHER {$1400.00} instead of providing the return. There is now a total of {$2800.00}.