davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I deposited {$1300.00} in cash at the Bank of America drive through ATM in XXXX. 

The balance did not reflect in my account so I filed a claim. 

The claim was rejected and because I did not get a receipt there is no way for me to dispute their conclusion. 

The balance adjustment of {$1300.00} will be - {$1300.00} on XX/XX/XXXX. 

If I had gotten a receipt I would not be in this mess and would not be at risk of losing {$1300.00}.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

The company is called LVNV Funding LLC who claims to also be another company. They are sharing personal and privacy information with another third company without and authorization. Third company is supposedly called XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX spoke with XXXX who caims hes not violating any laws. My personal information is just that and not permitted or authorized to be shared with anyone. XXXX agreed to accept a settlement amount verbally on a supposedly recorded line then reneged of {$250.00} in two equal installments beginning in XX/XX/2022 and commencing in XX/XX/2022 and then insisted on having me give a stranger critical payment information without knowing if he's legitimate. Payments need to be able to be made on a secure website and not to a person who is a stranger. I want the information to stop be shared and compensation for the breach of my privacy from LVNV Funding. Additionally the agreement for settlement can not be agreed upon and then reneged by XXXX after he decides to not provide a secure type of method for payment of the originally agreed upon settlement. My address is XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

ON OR AROUND XXXX XXXX  MIDLAND CREDIT MANAGEMENT APPEARED ON MY CREDIT REPORT. I NEVER RECEIVED A NOTICE IN THE MAIL TO DISPUTE THIS DEBT PRIOR TO IT'S INSERTION ONTO MY CREDIT REPORTS NOR DID I KNOW I COULD. ON XXXX XXXX XXXX I SENT MIDLAND A DEBT VALIDATION LETTER VIA USPS CERTIFIED MAIL, THE TRACKING NUMBER IS XXXX XXXX XXXX XXXX XXXX. THE LETTER WAS SENT TO THE MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE LETTER WAS RECEIVED ON XXXX XXXX XXXX AT XXXX XXXX. ONCE AGAIN I NEVER RECEIVED ANY FEEDBACK OR DEBT VALIDATION FROM MIDLAND CREDIT MANAGEMENT. AS OF XXXX MIDLAND'S ENTRIES  HAVE DAMAGED MY CREDIT RATING BY REPORTING NOT ONLY UNVALIDATED ACCOUNTS TO MY REPORTS BUT ALSO REPORTING FALSE INFORMATION. MIDLAND IS REPORTING TO XXXX  THAT I WAS 120 DAYS LATE FOR XXXX/XXXX. THIS IS NOT TRUE I HAVE NEVER MADE ANY PAYMENTS TO MIDLAND OR NOR HAVE I HAD ANY FINANCIAL OBLIGATIONS TO THEM. I AM DECLARING THIS DEBT AS NOT ACCURATE AND WOULD LIKE FOR IT TO BE REMOVED DUE TO MY CONSUMER RIGHTS PER THE FCRA BEING VIOLATED. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (AZ)

Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank .

I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan. 
Again this trade line was open fraudulently due to ID Theft.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (FL)

I was contacted by Phoenix Financial about a supposed debt. I have all my debts paid in full the moment I receive a bill in the mail. The caller began by going through his speech on HIPAA laws and when I tried to tell him I understood them, he became belligerent with me. 
He told me he was going to hang up. I asked if it was OK that I record the conversation as his company was, he said it was OK, but he was not waiting for me to set it up. At this point I asked why he was being belligerent with me, and he hung up. I still don't know what it is that Phoenix Financial thinks I owe them ... .. 

The caller was rude, belligerent, and condescending toward me. The actions of this individual are why debt collectors are thought of so badly. I would have happily talked to the caller and explained I have no debt to go to collections. I was not given the chance. Now, this mistake will probably ruin my credit I worked so hard to get right, because someone brought a bad attitude to work. I really hope all Phoenix Financial employees are not this way. 

Thanks for your time.
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the fair credit reporting act convergent account has violated my rights. 
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 an account without my written instructions Inquires : 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
XXXX5 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 an account without my written instructions Inquires : 1 XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

the are accounts on my credit report that are not accurate and the credit reporting agency refuse to verify and/or remove these accounts from my record and they are giving out solicitors my information to contact me.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (WA)

I responded to an ad on XXXX  to a local mattress company, XXXX  XXXX in XXXX WA. This appointment made was unbeknownst to me a " group '' appointment of other interested parties seeking mattresses. I was first in line to be " financed '' ( I Have pretty good credit so I was not concerned ) It was told to me " if '' I paid within 3 months there would be no finance charges ; It wasn't brought to my attention that ; as I would later find out, the company " American First Finance '' in XXXX, Texas, charged me 95 % Finance Fees!?!!? Had I not been rushed so salesman could pursue the others purchasing I may have noticed this on the paperwork I signed, and would have either opted to obtain far better loan financing through my credit union or anywhere but American First! 

Very unfair & unethical business practices, but that isn't my main complaint! Please see attached compilation of email correspondences while coordinating my FINAL payment in FULL. also attached are pics of texts between First American and  myself, showing their unethical business practices and standards or lack thereof. Also attached is the Statement I received from American First XXXX XX/XX/2020. They harassed me consistently and over excessively, even after speaking with someone telephonically that I would be filing my taxes and would be paying this small balance in FULL. 

I emailed and texted that I had just mailed payment in full on XX/XX/2020 in the amount of {$290.00} and the check #. I keep receiving demands for payment. I looked into my financial statement and seen that they had in fact received and cashed the check on XX/XX/2020. 

As you will see, I sent several emails in response to their " automated emails '', I would receive an auto reply saying someone would be getting back to me, That NEVER happened, ever ... .until TODAY XX/XX/2020, please see in my compilation in order of beginning to end. A XXXX XXXX is suggesting I still owe an addition {$140.00}?!?! 

I am done attempting to get through to this company and this representative! I have also received a notice from XXXX XXXX because American First Finance had reported me as negligent on my " debt ''. I have asked American First to correct this, but as you can see I get absolutely NOWHERE with them! Hence my filing this complaint. 

I remain hopeful your department can through to this company and contact XXXX  etc and CORRECT their mistake in reporting and risk damaging my credit rating immediately! 

Thank you in advance, I look forward to a resolve and appreciate your time and assistance.
Consumer complaint received 2023-02-07
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One will not allow me access to my statements claiming my account is " restricted '' and they refuse to satisfy my request because my telephone land line number was changed two months ago and put in my spouse 's name. I can not receive statements in the mail and they refuse to discontinue online access. I have no access to my account at all.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I'm a XXXX XXXXXXXX XXXX XXXX. I was in a 3 way call with my client and Rushmore Loan services. We called to know what the bank offered to her via email that my client can't open the security email and she don't know what is the offer and the expiration date.

I got representative from Rushmore XXXX who refused to provide his ID number saying that he don't have to do it. I requested to talk to a supervisor. He said that he will transfer to a supervisor that is available " if is available ''. He got waiting for more than 20 minutes and we decided to call again. This tie we have XXXX ID XXXX that give us his ID number without a problem. We asked when the offer emailed to my client will expire and if he knows what is the bank offering her. He never answer our questions. He said that the underrating department is reviewing her application. I remain him that her application was summited on XX/XX/2022 and my client never was notified her application status. We call several times about this issue but we never had an answer on that. 

I asked the XXXX what the bank was offering my client, he just stared saying that her loan has a deferral from the areas that was at the end of the loan. My client asked when that happened and XXXX said that was recently and a letter was sent on XX/XX/XXXX. I asked if the offer is about that but XXXX never answer my question and he was talking some thinks that are irrelevant for my question. I asked if he has on his records the expiration date on the offered but he didn't answer my question, he was still talking about other situations. 

XXXX would not provide a straightforward answer to the repeated question about the nature of the offer that supposedly mailed out, would not answer the repeated pointed question about whether there was deadline to accept, and repeatedly switched the conversation between a concurrent review that was supposedly happening in underwriting to see whether the terms could be made more favorable. 

The reps XXXX were combative and insulting, and eventually the client requested to end the call. 

Thank you
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX - {$1800.00} purchase from Vendor XXXX - A custom railing manufacture XX/XX/XXXX through XX/XX/XXXX - Drawings are provided, measurements taken XX/XX/XXXX - Railing arrives it is 12 '' taller than specified in the drawings - 49.5inches tall XX/XX/XXXX - An additional {$1000.00} is paid ( balance remains {$850.00} ) to aid in the repairs. 
XX/XX/XXXX - Railing is taken back to vendor who makes adjustments XX/XX/XXXX - Railing goes to powder coat facility, they refuse to powder because the railing is ruined - all warped due to heat from the welding according to the vendor. Vendor and I have a dialog and the vendor expects me to take a damaged railing that was so bad his own vendor XXXX the powder facility ) contacted me directly about it. Vendor refuses to do anything. 

I have now paid {$2800.00} and received no goods or service. I do not have possession of the railing and Citi will not speak to me regarding the situation. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX some times multiple times on the same day. I wait on hold for 60 minutes and the recording gives me a bunch of XXXX and hangs up on me. They clearly have not read my document, will not speak and stole my money!
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX  and Experian are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My father passed away XXXX years ago and left no will. The property went to my mom. We moved in with my mother to help take care of her, she was trying to get a loan modification, they told her to not make any payments until the modification went through, but that never went through. They kept telling her things were missing and she kept having to resend the same documents over and over. She got behind and the mortgage company kept telling her, that unless she could pay the total amount behind they wouldn't accept it. My mother passed away in XXXX unexpectedly and shortly after her death we were served with foreclosure paperwork. I contacted the mortgage company and they refused to speak with me. I am the personal representative for my moms probate and they still refused to speak with me. I have sent them all the paperwork they requested and they still say that it is wrong. They even say now that they have nothing to show my mother is dead, when i sent them all the paperwork. I replied to their summons and requested foreclosure intervention, I just received the denial letter, even though I was never contacted about any of my information to work on an intervention. They have served someone not related to me, the foreclosure intervention was denied through the law firm of the prosecutors lawyer. I filed a XXXX  for unfair practices and requested foreclosure intervention again. I just received an email for mediation, I'm sure that's because I requested a XXXX XXXX. I have contacted them numerous times and the lawyer to no prevail. I want to keep the house and take it over, but I can't get anywhere. The company handling the mortgage has pages and pages of complaints of them doing the same things to other families, stringing them along until people get so far behind they loose their homes. I really just need help, but I am not made of money. I had to use my 403b when covid hit, so I can't even use that. I was wondering if you could help.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (NJ)

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

I opened a chase checking account on XX/XX/2020 ( account ending in XXXX ) ( chase debit card ending in XXXX ) and by XX/XX/2020, Chase bank restricted my account and were holding my funds, i had a positive balance of {$1900.00} in my account. Having to wait hours on multiple wasted calls the week of the restriction, staff came to a conclusion of closing, I NEVER EVEN RECEIVED A CHASE CARD, i was told Chase bank protocol was to close an account within 10 business days and once closed, send out a official check of the remaining balance to my address within 10 business days. Account was closed XX/XX/XXXX, the banker who opened my account told me, i was also emailed that day with a low balance alert indicating my account went to a flat {$0.00} balance. Fast forward to today and i'm in need of better answers, some tracking or something, because we are way past 10 business days after closure and the phone calls I've been giving haven't done any good service for me as i've been given the run around, back n forth from claims dispute department, fraud hotline department and risk resolutions department, no one could tell me where are my funds. Why haven't i received my check? This is absurd and has to be illegal as it seems Chase has seemingly stole my funds at this point.