davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (PA)

LJ Ross and Associates called me repeatedly over a several month period beginning around XX/XX/XXXX. They called demanding payment for a utilities bill in an apartment I rented in XX/XX/XXXX. Calls from them included robotic calls attempting to obtain my Social Security Number, and collections agents attempting to collect the debt and warning me vaguely about the consequences ( never specified ) if I failed to pay. After Finally paying the amount, giving them my credit card information on XX/XX/XXXX I became curious and reviewed my utilities payment to the company they claimed to be representing ( XXXX XXXX ). All bills had been paid on time, and the month they claimed to be collecting for never had a delinquent payment. Furthermore, they requested around {$87.00}, when the bill amount was {$140.00}. Further research online revealed multiple instances of the company refusing to settle issues such as this, and putting collections tags on credit reports even after the debt was proven to be non-existent.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: COMMERCE BANK (MO)

I worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.
Consumer complaint received 2024-10-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (WA)

XXXX XXXX XXXX XXXX XXXX XXXX failed to Cease and Desist upon validation of the debt resulting in the foreclosure sale of my property on XX/XX/XXXX located at XXXX XXXX XXXX XXXX. XXXX, Washington XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX dba XXXX XXXX XXXX CALIBER HOME LOANS have failed to provide proper validation of debt and have multiple loan numbers attached to this alleged debt recorded in XXXX XXXX and attached to my credit report. 
XX/XX/XXXX I purchased my home XX/XX/XXXX I refinanced my home During the refinancing of my Home Caliber Home Loans recorded a Deed of Trust on XX/XX/XXXX under loan numberxxxxxxxxxxxx Document number XXXX XX/XX/XXXX Caliber Home Loans recorded a Deed of Trust under loan number xxxxxxxxxxxx.Document Number XXXX. 
These discrepancies were discovered in XX/XX/XXXX in my complaint to the CFPB after Caliber Home Loans failed to apply my payment to my loan under the loan number XXXX. I have been disputing the Fraud in my loan since XX/XX/XXXX. 
After disputing the and sending in documents to CALIBER HOME LOANS INC, they decided to sell my loan to XXXX XXXX XXXX I have since continued to dispute any and all claims to XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
This is some kind of FRAUD OR RACKATEERING since all of XXXX XXXX is the legal owner of CALIBER HOME LOANS INC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have a security interest in XXXX XXXX filed in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a UCC-1 filed on XX/XX/XXXX under File Number XXXX and again on XX/XX/XXXX under file number XXXX.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/2018, the company offered me a pre-approved visa credit card where I can earn XXXX points for spending {$500.00} within the first 90 days. I applied and was approved. I started using the card. Right after I spent {$500.00} and earned the XXXX points, I received a letter from the credit card company stating they decided to close my account. All my points were lost. The company stated they closed my account because of the number of recent inquiries on my credit report. I did not think it was fair because I had made payments on time and my credit score was XXXX. The number of inquiries had nothing to do with whether I would able to pay my bills. I wrote a letter to the company on XX/XX/XXXX to plead my case and I have not received any response as of today. I think the company is committing fraud for getting us to use their cards and then not honoring the offer they had promised.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Please be advised that in XX/XX/XXXX we received a Mortgage Statement that we were behind with our Mortgage payments and when I called we were told that the reason it was because we had a Shortage on our Escrow Account. We advised them that we could not afford our new payment and I had no way of paying for Escrow Shortage. They needed the total amount of my delinquency and that's when everything started. We got placed on a bad delinquency and we requested for help to save our home but unfortanutely we got no help at all. Last year of XXXX we got a denial letter stating that we had no options for a loan modification and that we were not making enough money to keep our home. we are now receiving money contribution from our daughter and her husband and we submitted new financials with Specialized Loan Servicing. and also with XXXX because XXXX was able to help us keep our home back in XXXX and now we are here with a Foreclosure Date coming up XX/XX/XXXX and we are asking for help to avoid this Auction to proceed and to help us with our Lender to get a workout resolution. My wife and myself are presently ill and have suffered to much XXXX and XXXX with our present situation. I have XXXX and my wife has gone thru XXXX XXXX and my daughter and son in law have been here to help us with expenses and willing to put all their income to save our home including our income. We really are begging to save our home. please help us.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

a year ago about I emailed checkr and told them that my information was incorrect and 2 actually take my information off their site because I was involved in a murder case and I had to testify so I didn't want my information and my address and all my history on their website for anybody to find because my life could be in danger and they said okay they would take it off and I look now and a employer search their site and found information that I've never even seen before on there which is incorrect. So I want all my information and all my criminal history and my address and my phone number all that stuff to be taken down off of every public site there is because I feel that my life is in danger.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

My card was compromised. On XX/XX/2019, I was traveling to XXXX, FL, I called Ameican Express Serve and notified them that I would be traveling and not put a security alert on my card, I was told that there would be no issue. I got to XXXX, FL and loaded my card only to get to my hotel and the security alert was placed so, I could not use my card. They lifted the security alert. I got back to XXXX XXXX, FL on Monday, XX/XX/XXXX and I really had not used my card or checked my balance. I made a transaction for XXXX, I checked my balance on XX/XX/2019 and realized there had been fraudulent activity on my card. I call American Express Serve and notified the of the 3 Fraudulent Transactions. I was immediately told that I would have to wait for 10 -45 days to receive my monies. However, I advised them that I have never used my card in XXXX Florida nor have I ever used my card at a XXXX   XXXX. The transactions occurred in a place where I have never been or shopped. I asked why didn't they lock my card as they had done when I called and alerted them to the fact that I would be traveling to XXXX, Their answer was because I traveled to a different state. I laughed and told them XXXX is still in Florida. I don't feel I should have to wait for my money, because they have the technology to see that I have never shopped at XXXX XXXX, nor have I been to XXXX. I am a single parent and those are monies and it isn't fair that I have to wait, especially when they know that I have never shopped or utilized my card in XXXX.
Consumer complaint received 2019-04-05
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX - partial account number XX/XX/XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. 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 2019-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

On or around XX/XX/2019, I received an alert from the credit bureaus that two collection accounts hit my reports. Upon investigation, I found that the debt was medical bills accrued over four years ago. However, during that time I was insured and had no knowledge of this debt up until now. I contacted the state of Maryland but due to the time lapse, they could not cover this debt and instead provided me with a document showing that I was covered during the time of service. I forwarded this information to the debt collection agency, Commonwealth Financial Systems, immediately after. I was told by a representative that it would be notated and to give it a few days for this to report to the bureaus for removal of these negative items. Weeks later, nothing has happened in my case and Im given no status updates from the collection agency. I was told today ( XX/XX/2019 ) that it could take up to another month before these items would be removed. I was made aware that this same agency had no control over this, as they are representing another collection agency making them the third party collector. When asked to provide information for the agency in which they represent for further investigation, I was declined by representative stating that they could not provide that information. I am a bit leary that this company has information on me, yet, I cant have any knowledge of who they are. Im continuously getting alerts that this third party collection agency is flagging these debts as collections, further damaging my credit, Im looking to have this reported immediately to the bureaus for removal.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

I did buy some items thru XXXX, I got I chase card obtain thru XXXX promotional, between XXXX XX/XX/18, I did return some items and XXXX XXXX to my in this card, Chase card start to sent to me bills to paid the amount credited by XXXX because I returned those items, Chase card insist to collect payment of this items amout. 

I sent via mail and fax 4 times in lapse of 14 months and Chase still don't revise my case and sent to me to collection agence ruining my credit.
Consumer complaint received 2019-05-13
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. (MA)

Attempted to file a dispute online. After filing the dispute, I received an email stating that the results were ready. Following the link provided attempted to log in. The website states : " We need more information to confirm your identity '' and gives a telephone number to call. After calling the number provided spoke to numerous agents all claiming that they would " Connect me to someone who can help me log on, '' no agent was willing to help me log on and they continued to transfer me to other agents. The agents then pretended that they were having problems hearing on the telephone.The behavior became abusive. The agents then disconnected the telephone call without providing any assistance. I was unable to view the result of my dispute for a collections report of an account that was not mine. I am not sure how to resolve the problem since I am suffering from an unfounded collection report on my credit report and can not receive any assistance from the personnel at Equifax.
Consumer complaint received 2019-05-13
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. (MI)

I contacted Transunion a total of 4 times regarding disputing invalid credit inquiries on my credit report. I pulled a copy of my credit report and saw that there were a total of 7 credit inquiries from different companies that I never authorized to pull my credit report. I dont believe this information is related to identity theft because I contacted each of these companies and gave them my personal information including Name, Address and Social Security number and they could not locate any applications or accounts on file. I believe that my information is being mixed with someone else. I contacted Transunion to investigate these inquires are they would not even dispute the inquiries from my credit report. They stated that inquiries are factual data and can not be disputed. Transunion is violating the Fair Credit Reporting Act by not disputing inaccurate information on my credit report. This is why I am filing a complaint against Transunion. Transition has failed to conduct a reasonable investigation regarding this issue which is in violation of the Fair Credit Reporting Act. I would like Transition to remove the following inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On the morning of XX/XX/2019 a man by the name of XXXX XXXX hacked into my account and stole an amount of {$600.00}. The man began by trying to take out $ XXXX dollars out of my account using XXXX, which is M and T Banks system for sending money to anyone you wish. The bank had caught this and sent me an email that they stopped these transactions and marked them as fraud. However, later that day the same person began taking smaller amounts of money ranging from $ XXXX dollars. I had called the bank as this man was taking the money to cancel my account as fast as possible. While waiting the man continued to take money. By the end of the phone call the man stole {$600.00}. The bank had told me that they would start an investigation and I should see my money returned within 3-10 business days. As day 10 passed I called the bank to see what the hold up was. I talked to a woman who was the farthest thing from helpful and could care less that I was a client with her bank. She had said that the bank did an investigation and I wasn't going to see my money and that it was my fault and that I sent the money. I began to plea my case stating facts like why would I cancel my own account in the middle of sending these transactions, also why would I sent such small and numerous amounts to this man. Lastly I even got a police report to prove that I wasn't lying but non of this was good enough to get my {$600.00} dollars back. The next coming days I called again because this is absurd that im not getting a dime back. I talked to a gentleman and he proposed taking this man to small claims court, now between court costs and a lawyer I would be well over my {$600.00} lost already, but seeing as this money was sent to this man the bank should have an account number or something as to where the money went but nope, no information is what they said they had on the man.
Consumer complaint received 2019-05-13
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. (MI)

I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and Trans Union Wednesday XX/XX/2019XX/XX/XXXX
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (AL)

I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX  XXXX and would be catching up three payments one in  XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (SC)

On XX/XX/2019, at about XXXX PM EST, my brother XXXX called in to discuss possibly making a minimum payment on my XXXX XXXX Credit Card account. XXXX spoke with a XXXX whom shared : my due date, the fact that my account is an interest baring account, and my total account balance of {$1000.00} with my brother whom IS NOT authorized on my account.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management bought my XXXX credit card debt that is 10 years old, and they will not stop calling me from different numbers to collect. The amount of calls I get each day are absurd, I use my cellphone for personal as well as my business so this is taking away from calls to/from my clients. The California Statue of Limitations states that lenders can not attempt to collect debts that are more than four years past due, this debt also should be removed from my credit report after 7 years. As this debt is over 10 years old, I do not believe I should still be getting harassed over this.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Bluebird American Express denied my fraud claim. There are six transactions totaling {$2900.00}. The transactions are as follow : Store Purchase XXXX*XXXX XXXX {$310.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$310.00} XX/XX/19 all from XXXX. 

I have called many times to Bluebird fraud department and asked for information about why my dispute was denied but they say they can't answer those questions over the phone. I have mailed them a letter to Bluebird Customer Care at XXXX. XXXX XXXX XXXX, GA XXXX for an explanation of why my dispute was declined and I still haven't received a response.