davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Someone or group of people had acquired access to confidential information and personal information where they used it to engage in all forms of financial activity. From opening accounts to maxing out credit cards and attempting to gain membership within credit unions. Thousands of dollars spent on card accounts and left unpaid as well as attempts to purchase vehicles under my name. Once I knowledge of these actions and accounts I tried contacting the companies directly to inquire on about them and close them down. I also contacted the credit bureaus to inform that these accounts were not mine and I was a victim of identity theft.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I had an account with Walmart. I paid my account early and they changed the due date and I was being hit with late fees as my original due date was the XXXX. So when I paid early that is when the next bill was due. They also provided an original limit and then decreased the amount which made my credit score lower due to debt to ratio. Which I was not aware that they could go and review my score at anytime and lower my original credit card balance. I am receiving a minimum of 5 calls a day to the point I blocked there number. I have tried to discuss this issue before and honestly gave up. When they lowered my limit I was never late and I feel that it is a scam to cause more harm, also changing the due date pending on if you pay early or not is also unfair business ethics. I am at the point where I just want to change my phone number. This is the only account I am having issues with as I do not feel that they have treated me fairly at all. Thank you
Consumer complaint received 2017-04-08
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: Riverwalk Financial CORPORATION (NY)

I find that this company, Riverwalk Debt Solution, has been fraudulently misrepresenting themselves. They are convincing people with significant loan debt that they can provide services that are not possible. They require the signing of a contract under the pretense of providing a service, and then you soon find out they are incapable or making good on their promises. They have lied to me and are now harassing me for payment for a service they have not and can not provide. I have refused to pay for a service that has not been rendered, and now they are threatening to report me to crediting agencies. They have also attempted to charge my credit card when they were not authorized to do so which I repeatedly stated to them over their official email addresses and ignored. I am filing this complaint because I believe they will try to fraudulently submit claims to crediting agencies. 

I have a formal letter providing the specific details of my interactions with them, however given the character count limit I can not include it in the description here. However, I am happy to provide this information upon further questioning to anyone interested or involved in the resolution process.
Consumer complaint received 2017-11-14
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)

On the XX/XX/XXXX I submitted a request via telephone to TransUnion credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which transunion 's response to my request is that transunion 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.
Consumer complaint received 2017-11-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (IN)

I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (WA)

In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc. (NJ)

Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (KY)

I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.
Consumer complaint received 2017-11-14
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. (CA)

These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc. (MI)

All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. 

In addition, we verified my XXXX account is correct.
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

A third or fourth party called Convergent has contacted me on a debt I do n't owe. In fact the company they say they represent has been bankrupt for a number of years now, I have to assume they got my information from that company which I did do business with about a decade ago. It was a bank. I had an account with them until they went out of business but it ended with no debt. I merely had a checking account with them until it closed. I suspect this is a very shady company and I am concerned my info is being sold on the open market illegally.
Consumer complaint received 2017-12-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a complaint id # XXXX with TransUnion. On XXXX/XXXX/XXXX, TransUnion responded, however, they did not provide who they verified this information about two bankruptcies ( Case # XXXX and Case # XXXX ) showing on my credit report. I spoke with the US Bankruptcy Courts and they stated they DO NOT provide or verify any information. Please see the attached letter I received from them. I spoke with XXXX and they stated they DO NOT provide or verify any information. Please see the attached email I received from them. On XXXX/XXXX/XXXX, I sent TransUnion a certified letter which on XXXX. TransUnion provided me the attached response dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I sent TransUnion the attached letter and they sent me the attached response dated XXXX/XXXX/XXXX. TransUnion is not letting me know who they verified this information with AND per the letter I received from the US Bankruptcy Courts and XXXX they DO NOT verify or provide any information
Consumer complaint received 2017-02-23
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Allied Collection Services, Inc. (Nevada) (CA)

On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (FL)

To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 6802, 15 USC 1681b, 18USC 1028A. ACCT NAME : XXXX XXXX XXXX ACCT # XXXX. This 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. 

I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. 

I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.