davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

XXXX of XXXX, I had not received a mortgage payment booklet, so I sent a payment of {$1000.00} which they received XX/XX/XXXX. SInce XXXX of XXXX I had been sending extra payment on the principle to pay the mortgage off early. Later in XXXX I got a payment booklet which stated the entire balance owed in as of XX/XX/XXXX was {$2100.00}. With the payment slip I sent a check for the remaining XXXX balance which they received on XX/XX/XXXX. I also noted Mortgage paid in full. I noticed in the payment booklet they had vague lists of charges ; ie. XXXX to {$80.00} for closing estimate. I didn't need it. It clearly stated the remaining amount to the mortgage. I expected a letter stating to get lien clearance and the Property title I owed them x amount. Instead I began getting up to 6 letters a week telling me I owed them any amount from 241 to 881 with no explanation as to why. I sent a certified letter to the CEO of PHH Mortgage, and was turned over to the " Omsbudsman '' office at XXXX. They said they would investigate and asked for additional time. Although they still could not explain all the extra money I owed ( the two staff people I dealt with ) I did discover that 1 ) they not only failed to apply both checks to fulfill the balance in XXXX ; but they created extra payments and 2 ) CHARGED ME AN ADDITIONAL INTEREST!!!! I also learned that they had on at least two occasions in XXXX charged me late fees. They were not entitled to do that until the XXXX of the month, but they did it if payment was not received by the XXXX. I have yet to learn whether they did thissame illegal charges in XXXX as well. I have also been receiving dunning letters sometimes 6 times a week as if I am a deliquent debtor. Amounts vary from letter to letter. I have also received letters advising me on how to declare bankruptcy. When I requested that they stop these letters ; that I considered them Harassment, they told me that they were not able to do that. Aside from the serious stress of this situation, it is possible they are doing damage to my excellent credit status. Paying off a mortgage should be something to celebrate. This is making me sick ... literally.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Original creditor was XXXX XXXX XXXX ( which is still on my credit file ). That account was transferred to midland funding. I paid off the debt through midland funding over a month ago and my account was updated with a XXXX balance. Both XXXX  XXXX XXXX and midland funding still has the account payment status as derogatory and not current. Also XXXX XXXX is reporting a balance on my credit report but was included in a bankruptcy ( 9yr old account )
Consumer complaint received 2019-05-30
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)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these  agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This Debt collection agency is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful. 
This company is now also calling and harassing my wife, without having any valid information.
Consumer complaint received 2019-05-30
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 filed a dispute to XXXX and Experian to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my experian and XXXX report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. Thank You
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC (CA)

I can receiving colection calls all the time daily, when I do answer the calls they ask for a person how I do not know, and they do hung up on me before they give me the opportunityto request for their company to stop calling my number I am never been in collection my credit is really good however calls keep coming from this company
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C. (OR)

I got into a car accident in XX/XX/2018 and i ahd know insurance well i tryed working out a payment plan with the insurance company of {$45.00} a month which is what i can afford cuz im on ssi well the insurance company never called me back to set payment plan up so now they forwarded it to wilber and associates and they are saying i owe {$2400.00} when the insurance company which is XXXX insurance said i only owe {$1000.00} i been keeping all papers sent to me to show a lawyer so now wilber is saying i have to pay {$250.00} a month or they are having my license suspended again in XXXX and i cant afford that they dont work with you or anything just keep calling to make threats
Consumer complaint received 2019-05-30
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)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX  Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Consumer complaint received 2019-05-30
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. (FL)

Attached are documents from XXXX XXXX from a previous complaint. They have agreed to delete all inquiries and negative items on my credit report. Transuion has not followed their orders and is continuing to keep these negative inquiries and reports related to XXXX XXXX on my credit report. I was a victim of fraud and have proved my identity was compromised. With proof of my email, address, you home number and letter stating that. If this matter is not deleted or resolve with Transuion I will take higher matters.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/2016 I called Target Red card accounting per their XXXX number provided and asked for the credit card accounts supervisor, I told her VERY SPECIFICALLY 3X that I would be leaving for XXXX on approx. XX/XX/2016 and I needed an EXACT ACCOUNTING of my Target card so I could pay the entire amount off as I would be gone 2 years without any way of receiving or paying any billis that would arrive after my departure. 
I was given a TOTAL ACCOUNTING of $ XXXXusd and paid that amount, in full, on XX/XX/2016. 
2 months later I received notification from my XXXX credit score that my perfect credit score was now XXXX. 
After many calls and absolutely NO help from Target, I found out that my account had been billed for purchases in XX/XX/2016 that should've been known to Target 's accounting and billing department. 
Because of their ineptitude and failure to report an accurate accounting of my account, my credit score was damaged irreparably and created financial hardships for me and a tremendous amount of business problems.

I had to wait 2.5 years to dispute my credit reports and send Target my complaint- which they summarily denied any responsibility. 
Target has since emailed me to say they had mailed a response to my demand for compensation but that was almost 2 months ago and no mail or email correspondence has been received. 
Target is responsible for destroying my 45 year perfect credit for a {$19.00} charge they should have accounted for- causing me financial hardship and business problems not to mention 3 years of terrible credit and the horrendous stress it has caused me trying to rehabilitate my credit and my good name.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MO)

On XX/XX/XXXX Credence Resource Management , LLC contacted me regarding a debt for XXXX XXXX XXXX XXXX for a balance of {$440.00}. On XX/XX/XXXX I sent a verification of debt letter requesting balance owed, amount of debt when received by collection agency, last billing statement including itemization, notice of last payment to XXXX and when account became delinquent. On XX/XX/XXXX Credence responded confirming verification of debt received. On XX/XX/XXXX I received two bills and no further information. The bill was from XX/XX/2019 and XX/XX/2019 no additional information was sent. This is not adequate verification of a debt because it does not reflect balance owed. I would like to report this collection agency for their inability to supply the requested information and request all calls and letters stop immediately.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (FL)

Dear Sirs : I've just submitted an application and I called 4 times to the BBVA Compass Customer Service Department XXXX Application Ref. NumberXXXX and the customer service employees didn't have the tools to manage this type of call. 

The decission says : Potential Fraud Risk Indicators - when a decission like this was made, the call is supposed to be transferred to the Fraud Applications Department and they supposed to have the tools to solve this issue. It wasn't declined because of my credit report, it was declined related to a supposed fraud issue. Why the associate didn't verified my application and gave me a reason without any info from me? This bank have a prejudice against me? 

Whats happening with your Customer Service Reps? They have to be rude to the new customers? Thats the image of BBVA Compass Bank? 

If I have the reason, why you dont have the correct tools to help me?
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I need to file a complaint On Transunion on XX/XX/2019 they sent out a credit report stating that XXXX XXXX was a charge off I spoke with Transunion via Phone this account is Not closed. Transunion what you did the the XXXX  account I have no Trust or faith in your company what so ever to make sure I'm getting the right information from your company I'm exercising my rights under the under the FCRA 609 ACT before you get started cut the XXXX XXXX you are not req that XXXX XXXX the FCRA states when a consumer ask for this information you must provide it cause you lie and commit fraud XXXX REPORT ON XX/XX/19 AND YOURS ON XX/XX/19 WHERE THE XXXX YOU GET A CHARGE OFF FROM???? 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and include the credit application that was used to open this account with my sign signature attached
Consumer complaint received 2019-05-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

XX/XX/2018, approved for a home equity cash out loan with Quicken loan ( Rocket mortgage ) Our property consist of 15 lots which was purchased in 3 separate parcels. The loan officer was informed that we only wanted to use the parcel that included the home for the cash out collateral. We were informed that we need to separate the parcels into separate accounts in order for this to be done. The parcels were separated into 2 different accounts at the county appraisal district. Property id # XXXX was for requested property ( address XXXX XXXX XXXX lots XXXX ) copy of account detail is attached. Property id XXXX is for the remain lots ( XXXX ) with address of just XXXX XXXX ( copy of account detail is attached. The appraisal ( copy attached ) was done only on property id XXXX and did not include property id XXXX. Quicken loan has attached a lien on both parcels ad will not release the lots not included in the appraised value. The parcel ( # XXXX ) appraised is what our loan was based on and not the other combined parcel which also has a lien. This greatly affected our LTV & rate I have requested that they make all the disclosures available on our dashboard for further review ; as they changed the disclosures more than once or twice. I combined the accounts back together in XXXX of this year. If Quicken loan 's policy was not to split the parcels, why did they not have the appraisal done on the both parcels. They ordered the appraisal
Consumer complaint received 2019-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Maximum Title Loans, LLC (AZ)

The company increased my contract interest rate after they had reduced the rate. The loan was offered as interest only when I requested principal and interest payments. The loan has been repaid 3 times over in interest payments. Now the company is harassing me and harassing family and friends after I have repeatedly asked them according to the fair debt collection act to not contact family and friends and harass them. I have asked them to stop harassing me and that this loan was paid back in interest 3 times over. This is usury and excessive interest.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

cfpb I'm asking your company to Take action on Transunion due to Fraud On my credit report on XX/XX/19 and XX/XX/19 I recieved letters from Transunion claiming that a XXXX  accout XXXX was deleted from my credit file after reviewing my credit report closely I noticed that Transunion had made up a different account number with the same creditor and took that information and reporting false info on a different account number this is a violation and fraud I have contacted a lawyer to discuss a lawsuit this is Just not right. Since Transunion is doing fraudulent activities I'm really concerned about this matter CFPB Please Look into this matter very serious! cfpb please look at the account number that they sent out to me saying the account was deleted and Look at XXXX report with the same account number. and now look at the account that transunion has made up and transferred info to a bogus account number i just CAN NOT BELIEVE THIS MY XXXX  Since I have seen this I'm going to excercise my rights On FCRA 609 I Want and need everything down to the consumer contract the law is very clear Disclosures to consumers [ 15 U.S.C. 1681g ] ( a  ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 )  All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and I just CAN NOT BELIEVE A COMPANY WOULD SO SUCH A THING I SWEAR ON MY KIDS LIFE A LAWSUIT IS COMING I PROMISE YOU THIS IS NOTHING BUT FRAUD