davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have called the Credit Card company, XXXX XXXX & now Midland Credit Management to resolve this. I was not provided the written information I asked for ( I had been through a divorce & wanted written statements so I may review and contact police if necessary ). 

Midland Credit Management has contacted me up to ten times a day. They contacted numerous family members, including my father on XX/XX/XXXX, who is recovering from XXXX  events and was upset and worried when he contacted me about the incident. 

Today was the second time I contacted them in the hopes of procuring the information I needed ( statements ) and was met with the same degree of disdain as from my first call. Something about " their lawyers '' was mentioned in a threatening manner. They provided transaction information from XXXX & XXXX, pointing out a returned payment ( which was due to fraud on my checking account in XXXX ) which was in no way helpful to me. XXXX XXXX, the agent I spoke with today, was demeaning and brought up " their lawyers '' and kept dissecting my statements and turning them back on me as questions, " So you're telling me you're disputing this? '' I told him I had nothing to dispute because I needed paper statements. 

Something as simple as my calling to get information to resolve this account was turned into a heightened, angry, altercation. 

I told Mr. XXXX of Midland Credit that I was reporting his company to the FTC. Over the past 3 months, I have resolved many different credit issues that resulted from my divorce in XX/XX/XXXX and I haven't had any conversation that devolved into this kind of demeaning coercion.
Consumer complaint received 2021-06-07
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: Southwest Acceptance Finance Co (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I Have 2 collection accounts from XXXX XXXX that XXXX has already fixed and I've tried contacting Equifax and logging in to no avail. Keep getting a message try again later. One is for {$25.00} and the other {$35.00}. I have great credit and this is impacting my rates. These charges were paid by my insurance company.
Consumer complaint received 2021-05-21
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. (DE)

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/ XXXX XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (TX)

In XXXX of 2020, we attempeted to get fiber optic telecomm installed by XXXX XXXX XXXX in our house, the back house of our aunt and uncle who already had fiber from XXXX XXXX XXXX. After an in home visit we were told by XXXX XXXX XXXX that they could not " find '' our property on the map and would get back to us. They left a router for us to set up in the meantime. We never set up service. After unsuccessfully trying to get in contact with the individual who was working on our case from the beginning, when they finally replied, it was with short answers that gave no insight into any work put forth. In XXXX, we tried to get in contact with XXXX XXXX XXXX about the issue and they assured us our XXXX XXXX XXXX XXXX house must have been in a new subdivision and that was why they havent been able to help us. On top of that, we never recieved any word of a debt from XXXX XXXX XXXX until a debt collection agency called my father this week.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CO)

I have had multiple trades get stuck in a pending status in stop limit. One of them was triggered way after I tried to cancel it and has since rebounded which cost me thousands of dollars. I have another one pending for XXXX XXXX at XXXX which should not trigger and I've wanted to cancel it for 24 hours now and can not. If it triggers and I wasn't able to sell it at the current price I wanted to today, XXXX, it will cost me {$7000.00}. Please just release my XXXX to me so I can trade it. This is so scary and frightening as a consumer to be held hostage by a company like yours with customer support that is not sufficient to handle the volume of requests. Please fix this and don't hold my assets hostage. My email is XXXX to locate my account. I can be reached at XXXX. Please fix this ASAP and email me that it is cancelled. If I need to provide any information, please let me know! This is just unacceptable. 

Unlock my assets stuck in a stop limit order and consider reimbursing my trading fees for the past week as you've already cost me thousands of dollars with your site failures. Please just make this right. I'm the little guy and this is unfair.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (TX)

I submitted a complaint with CFPB about XXXX XXXX XXXX XXXX stated that they are only the 3rd party trying to collect. Pentrick Capital Partners are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. Pentrick had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now Pentrick Capital Partners hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.
Consumer complaint received 2021-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

I HAVE HAD ISSUES WITH BMO 'S SERVICING COMPANY FOR OVER 5 YEARS, THIS IS MY 3RD COMPLAINT. 

INITIAL RENEWAL THRY SENT ALL MY PERSONAL INFORMATION TO A LANDSCAPING COMPANY WHICH SHOULD BE ON THE CFPBS RECORD. 

SECONDLY PAST TWO YEARS THEY KEEP ALLOCATING MY PAYMENTS INCORRECTLY, YEAR END, RECIVED NO YEAR END INTEREST STATEMENT. 
CALLED SERVICING COMPANY FOR BMO/ XXXX XXXX XXXX XXXX ON ; Y TO FIND OUT THEY HAVE BEEN AGAIN ALLOCATING MY INTEREST ONLY PAYMENTS WRONG. 
THEREFORE WHEN I WENT TO DO MY YEAR END TAXES, I HAD TO REACH OUT FOR CORRECTION WHICH IS STILL IN PROCESS. 

I BELIEVE THEY HAVE STRAYED FROM BEST WORK PRACTICE, CODE OF EHTICS AND THE TERMS AND REGULATORY STANDARDS OF MY AGREEMENT. 

I REALLY BELIEVE I AM ENTITLED OR SHOULD AT MINIMUM HAVE THIS LOAN FORGIVEN AND OR WITHDRAWN DUE TO 5 YEARS OF NEGLEGENCE, AND THE DISRUPTION WITHIN MY TAXATION RIGHTS, DEPT. OF TREASURY : LASTLT, I RECIVED NOTICE THEY WERE CHANGING SERVICER IN 2020 AND THEY NEVER DID, KEEP SAYING STILL IN PROCESS :
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On Thursday, XX/XX/XXXX I called Transunion and was transferred to the fraud department to help me with my problem I noticed on my credit profile. I notice two unauthorized inquiries that I did not authorize. According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed! The agent by the name of XXXX XXXX said that and I repeat the system will not allow him to dispute inquires and that FCRA is incorrect. Inquiries mean that I applied for something.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a rental home listed on the XXXX rental site. A man by the name of XXXX XXXX inquired about renting the house but asked if the rental fee could be paid via a company check since his company was absorbing the cost of the trip. He emailed to inform me that the check issued in the amount of {$6000.00} by his company was in an amount more than rental amount and that the company made a mistake issuing all the funds to my name and did not do separate transactions for the rent and travel agent fees. He asked that I reimburse him using the XXXX feature in the Bank of America app. I deposited the check which appeared valid as when searched was a valid company on XX/XX/2021. I made sure to not transfer funds to this person until I made sure that the check cleared and I saw the increase amount of {$6000.00}. The amount in my Bank of America checking account reflected the additional $ XXXX-going from a balance of {$22000.00} to {$28000.00}. Therefore on XX/XX/2021 I transferred {$1900.00} via XXXX to the requested recipient as an initial refund. I would have never transferred money to someone if my account didnt reflect that I had their funds. There was no indication that the check hadnt cleared ( no pending/no parenthesis ). It was not until I attempted to transfer the additional amount that Bank of America alerted me to it being a scam. I explained that the check from this person had cleared and it clearly reflected this in my account. Bank of America proceeded to tell me since I have been a loyal customer, they offer the courtesy of access to funds from deposited checks prior to the check actually clearing. I have never been told this and would never have authorized for this feature. It was misleading to me and I would have never transferred money to someone if I knew this.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (PA)

For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : Credit Control LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. Credit Control LLC via XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to Credit Control LLC any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

After months on a forbearance due to covid 19 crisis, I applied for a loan modification to my lender in XX/XX/2020. After months of letters and requested documents back and forward with them ( I sent 68 set of documents requested ) I got a letter for them, giving me me only 2 options. Fist, sell my house immediately, second deed in lieu. 
No other option. I have more than 50 % loan to value in my house and a good credit score. I was told by their customer service that they are going to add my pending payments to the principal and I have to start making my regular payments
Consumer complaint received 2021-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I had a home loan with Caliber Home Loans with a closing date of XX/XX/XXXX. 
In XXXX, I checked the refinancing rates for my loan and received a few competitive offers. 
At the same time, I received an email from Caliber Home Loans on XX/XX/XXXX, with the subject " Staying with Caliber XXXX be the smartest move you make all year '' and with the text " will meet or beat any competitors offer. If we cant, well give you a {$500.00} gift card '', 10-10.pdf attached. 
I called Caliber and talked with an XXXX Loan Consultant XXXX XXXX on XX/XX/XXXX. I asked to beat the best competitive offer following the above email. XXXX asked me to send him a copy of the competitive offer I received. Following his request, I sent him a competitive offer with a loan estimation from XXXX XXXX XXXX XXXX XXXX XXXX, 10-11.pdf and LoanEstimate.pdf attached. However, I did not receive any emails from XXXX in response to my email. 
I send him a reminder with a request to respond by email on XX/XX/XXXX, 10-12.pdf attached. 
I called XXXX XXXX a few times between XX/XX/XXXX and XX/XX/XXXX and he said he needed to talk to his XXXX. Finally, he said that he could not provide a competitive offer and I should receive a {$500.00} gift card, but he could not explain how I could receive it. 
I called Caliber Home Loans on XX/XX/XXXX and asked if they could pay the promotion with {$500.00} gift card? They said I would receive the {$500.00} gift card. I asked for an email confirmation. I did not receive any email confirmation since then. 
In XX/XX/XXXX I closed my loan with Caliber Home Loans and refinanced with the competitive offer.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TN)

I already filed CFPB complaint # XXXX against National Credit Adjusters ( NCA ) on XX/XX/2020 regarding a debt that I filed a FTC Id Theft complaint as well as other documentation. National Credit Adjusters lawyer XXXX XXXX XXXX, XXXX. responded with the attached letter stating " NCA has reviewed your correspondence as well as our records. We apologize for any inconvenience you may have experienced. In order to resolve your concerns NCA has terminated the account as fraudulent. This means that all collection activity on the account has ceased, the balance of the account has been zeroed out, and the account will not be sold or transferred. ". Today at XXXX I received a call from National Credit Adjusters again regarding this same issue. The representative stated that she was not sure why I received the call because her records showed the account was fraud. This is my final time asking NCA to cease and desist all debt collection activities related to Total Card, that NCA immediately remove all of my personal information including my phone number from their database and for NCA to cease and desist adding any detrimental information to my credit reports.
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CDI Affiliated Services, Inc. (TX)

I am in XXXX, TX and they sent a XXXX XXXX lab {$37.00} bill which is located in XXXX, XXXX. I have never heard of this out of state company and they never sent any bill. If I do XXXX search for this company in XXXX. THe invoice billing company is CDI Affiliated Services Collection Department, XXXX XXXX XXXX, ID XXXX. The phone number is XXXX and XXXX. This bill needs to be cancelled and unnecessary threat of collection agency.
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

Taxes not being paid on time through escrow. All my payments are on time. Received a delinquent notice on XX/XX/XXXX for taxes due XX/XX/XXXX and contacted company. Sent a copy to them and said it will be taken care in 5 business days. Received a XXXX delinquent notice and have contacted company every 5 days only to be told to call back in another 5 days. Also promised call back from supervisor but never heard anything.