davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (CA)

first direct lending offers a free appraisal cost if i consider refinancing with them. I submitted all they needed from me, lock in the rates, and told me my loan will be closed before the end of the month. 
Said they will cover the appraisal but needs my credit card to hold a 50 % cost of it. 
I agreed to give them my Credit card.it took more than a week for them to update me after the appraiser went to my place. 
I havent got a word from any of them after the appraiser, only an email of " adverse notice '' they did not approve me of the loan but has charge {$220.00} on my Credit card. They know this is a refi to help me pay off my credit cards. XXXX XXXX XXXX has put me more indebt than i am now. XXXX XXXX is very deceptive with their business, applies false advertisement and preys on soft target clients like myself. 
i could have saved time and money if not for their sweet talk.
Consumer complaint received 2017-08-03
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. (KY)

The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (CO)

I had a second mortgage loan originated by XXXX XXXX XXXX that was included in a bankruptcy filing in XXXX. XXXX XXXX XXXX subsequently sold/transferred that loan to Green Tree servicing company. The loan was discharged in bankruptcy in XXXX XXXX and account was closed by Green Tree. I received a letter from Green Tree at that time confirming that the loan was discharged in bankruptcy. 

Three years later in XXXX, Ditech ( which had merged with Green Tree ) began submitting false information to the credit bureaus stating that this loan was active and that I was " missing payments '' on four occasions, two months in XXXX and two months in XXXX. The loan number shown on the credit reports is the same loan number as the Green Tree mortgage loan. 

I have spoken to Ditech on the phone and they refuse to acknowledge or verify any of this information.
Consumer complaint received 2017-08-03
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. (NC)

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Consumer complaint received 2017-08-03
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)

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX at Chase Commercial Services has made repeated threatening and harassing phone calls and text messages to myself and my extended family members in addition XXXX XXXX has contacted other people to include my landlord with false, derogatory, slanderous, statements about me. XXXX XXXX uses false and misleading pretense to obtain personal information such as claiming to be verifying a resume or that person was used as a reference. XXXX XXXX at Chase Commercial Services has released that personal information online, in phone calls, and in text messages to include home address and personal contact information of myself in addition to that of my extended family and friends. I have no or have never had any business dealings with XXXX XXXX or Chase Commercial Services nor am I under any form of contractual obligations with XXXX XXXX or Chase Commercial Services. I have never spoken with or heard of XXXX XXXX or Chase Commercial Services until he contacted me demanding that I send him a check or he would make my life miserable. I have retained all threatening, derogatory, and slanderous voice mails and text messages and I 'm in the process of obtaining written statements from all parties that have been contacted and harassed by XXXX XXXX at Chase Commercial Services with false, derogatory, slanderous, statements. This makes XXXX XXXX and Chase Commercial Services slanderous actions even more egregious and I believe in the case unlawful and criminal.
Consumer complaint received 2017-08-03
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: EQUIFAX, INC. (NC)

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I called to review my repayment options. The person I talked to said I had to contact a " third party '' or I could apply for a interest rate reduction for 12 months if I qualified for financial hardship. I ca n't afford {$300.00} a month to Navient when I have federal loans to repay too. And the rest of my life to pay for. It 's not hardship, I 'm just realistic. I know Navient has repayment plans and options for private loans but the guy I talked to could n't tell me what those options are. And could n't tell me what I 'm contacting a " third party '' for and who this " third party '' may be! Really!? Navient is this HUGE company and they want to push business to a " third party '' instead of working with me to figure out something that works. I 'm paying {$300.00} towards interest. I have n't made a dent in my loan and my balance keeps growing as my interest rate is flexible.
Consumer complaint received 2016-04-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (TX)

A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield began reporting an apartment collection from XXXX XXXX around XXXX XXXX. The original balance was reported as {$2300.00}, and as of XXXX 2017 is reporting the balance at {$3200.00}. I have disputed this debt to Hunter Warfield directly as well as through the credit reporting agencies that they reported it to as a collection account. I do not owe this debt. There were repeated and significant issues with the apartment and the apartment management breached its duties under Florida law to maintain a habitable environment. There were rodents in the apartment, and I and my children were bitten by bed bugs, and the apartment was consistently infested with cockroaches. The last straw was when my daughter came screaming to me because there was a dead roach on her toothbrush. I am not sure which adjectives I can use to describe the apartment other than completely substandard, disgusting and gross. To add insult to injury, the apartment management created all kinds of bogus and illegitimate fees and sent it to Hunter Warfield to collect. When I tried to explain this to Hunter Warfield, they seemed uninterested in anything other than collecting the debt for their " client, '' whom apparently they presume to be right and the consumer wrong. I paid what I was required to pay and more ; I left in XXXX but had rent paid through XXXX. It is morally reprehensible that Hunter Warfield is attempting to collect over {$3000.00} for these reprobates. On top of this, it seems Hunter Warfield is adding a collection fee or interest charge to the balance each month. I can not see how this is permissible or legal.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (LA)

XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
Consumer complaint received 2017-08-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial (TX)

Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-08-03
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. (FL)

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to equifax, XXXX  and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Consumer complaint received 2017-08-03
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: EQUIFAX, INC. (GA)

I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}