davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On  XXXX   XXXX    XXXX  , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from   XXXX   XXXX   XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On  XXXX   XXXX    XXXX  , I sent them a letter stating I was not aware of having any account with their organization or with  XXXX   XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On  XXXX   XXXX    XXXX  , the company sent me a letter stating that they purchased this account from  XXXX   XXXX  and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at  XXXX   XXXX  they were dealing with who sold them this alleged debt, none of which were provided to me. On  XXXX   XXXX    XXXX  , an entry was made to my credit report under the title  LLV Funding  listed as a collection account. The entry was listed as disputed and verified under the FCRA. On  XXXX   XXXX    XXXX  , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.
Consumer complaint received 2017-04-26
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. (IN)

I disputed inquiries that were not made by me however I have not heard back from them  XXXX ,  XXXX  and TransUnion
Consumer complaint received 2017-04-25
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. (IL)

XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
Consumer complaint received 2017-04-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Onemain financial charged my account on at a different time in  XXXX  around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of   XXXX  . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fro m 3rd  party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned . ( See letter  from company and attached returned check. ) They (  XXXX   XXXX   ) Informed me th ey no longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me a  s a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a ) ( b ) ].
Also..     That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Neon Newco Corporation (CA)

I lost  XXXX  of my  XXXX  form mail in this year. Right now, I received  XXXX  debit card fr om netspend.com, which is I never heard before. I called and asked them where do they get my info, they to ld me this from third party company and rejected to tell me which company. I told them to cancel this account right the way.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

Hello and Good Afternoon, I am reporting this to see a change how credit card companies/banks applied payments every month to their account holders. I have  Wells Fargo Ban k credit card for more than a decade. As per banks and  Consumer Finance Protection Bureau policy, the last c hange that was made to protect the consumers is applied payment to higher interest rate account.     I have purchases worth {$1600.00} on the the credit card with minimum amount of {$28.00} due this month. I am willing to make {$300.00} payment. I am not sure if I will be able to make payment next month toward the remaining balance. In order to secure next few months minimum payments, I would like {$300.00} applied to next 5 months. This way I will secure my minimum payment for next 5 months. Also, the in this process, my principal balance will be reduced immediately. If the bank/credit card company would allow this, then I will be saving late fees, insufficient fund fees etc.     I have called them to make payment arrangements for next several months ; however, credit card company 's policy would not allow this change. {$300.00} can be applied to principal balance and I would still responsible for minimum payment following months regardless of my financial resources. Also, if the payment is not made or return, there will be additional charges and fees. I hope to see this change to avoid late fees and other charges resulting me of financial help.     Sincerely,  Consumer Activist
Consumer complaint received 2016-08-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (OH)

We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

"Diversified Consultants" has contacted me twice to tell me that I owe XXXX XXXX and demands that I pay it.  I do not owe XXXX anything--I have called them and they stated that at no time have I ever been late on a payment and have no outstanding balance with them.  They have also stated that they have never reported me to any debt collector.I informed Diversified Consultants of this and they were rude and hung up on me after threatening further action.I reviewed XXXX online customer support forums and this seems to be a recurring situation with "Diversified Consultants"--they contact XXXX  customers in an attempt to collect imaginary debts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I accepted Renewal by XXXXXXXX XXXX offer to provide one year of no payments, no interest financing on a replacement window project. My intent is to pay the project off before I incur any interest charges.

Imagine my surprise to find this in my mail this morning : XXXX, Congratulations, youve been pre-qualified for credit for your project with Renewal by XXXX - XXXX. * Below is a link to your account on the XXXX where you can : Upload required documents securely Track the progress of your financing application Download an executed version of your Loan Agreement which includes a notice regarding our credit decision Submit bank account information to setup automatic payments Register Your email : XXXX Should you have any questions about your financing application, please call Dividend at ( XXXX ) XXXX. 
If you have questions regarding the installation process, please contact your contractor. 

We look forward to working with you! 

Sincerely, The Dividend Team * As with any financing, final approval is contingent upon our review of your completed application and satisfaction of all underwriting requirements. 




By clicking the link and accessing Dividends website, you are agreeing to the website Terms of Use and Privacy Policy. If you have any questions or concerns, or if this message was sent in error, please Contact Us. 

Questions? Contact us at XXXX XXXX XXXX All lending is originated by Fifth Third Bank , National Association. Member FDIC. XXXX XXXX XXXX XXXX XXXX. For solar and certain home improvement loans, Fifth Third Bank does business under the trade name Dividend. 

This is a transactional/servicing communication and is intended to share information concerning a recent transaction or updates/changes to your account. You may receive transactional/servicing emails even if you have unsubscribed to promotional or marketing emails from Fifth Third Bank . 

Dividend, XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is not the firm that XXXX uses, nor is it the firm I applied to. 

I called XXXX and confirmed that they are NOT affiliated with Fifth Third or Dividend. 

I suspect that Dividend is scouring credit bureau inquiries and using them to solicit business. Might not be illegal, but it is, at best, shady business practice. 

Please whack them one on my behalf. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

on  XXXX   XXXX     2017  my local Chase branch in  XXXX  Colorado closed my checking and savings accounts without warning. I was denied a withdrawal request from the atm at the branch. I immediately went to my branch and was informed that my acct had been placed on restriction, no funds were available, and that they did not want to do business with me any longer. i asked why and they said they could n't tell me.   I received a letter dated  XXXX / XXXX / 2017  ( see attached ) claiming that my accounts were blocked because they had n't received the information they had requested. what information?. i received no request.   On  XXXX   XXXX  i went to my chase branch and was allowed to withdraw {$370.00}. chase confiscated the rest of my money totaling {$1400. 00} ( ban k statements attached ) Also on  XXXX / XXXX /   2017  i received a letter from chase fraud recov ery ( copy attached ) informing me that there had been fraud in my acct and that they were taking {$1400.00} to  cover their loss. For questions i was to call  XXXX   XXXX  at  XXXX  Ive called him 6 times, neve r got through, left 6 messages with no return call from him. Als o on the  XXXX  i received a letter from cha se executive office informing me again that chase had the right to take my money and close my a ccounts. On  XXXX / XXXX / 17 , i spoke to  XXXX  at chase  complaint center. She said she would have a senior rep call me in 24-48 hrs to help me. As usual  NO CALL since. I am innocent of any wrong doing and chase refuses to cooperate so that i can recover my funds and clear my name As i state in my letter to chase of  XXXX / XXXX / 2017  this is the most shabby, unprofessional treatment Ive ever had. this reeks of a cover up and an " inside job ''! I expect prompt attention and assistance from chase to uncover the cause of my loss. Lacking their cooperation i will take whatever steps necessary to expose their bullying to the public and to the Colorado attorney general.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Encircle Collections, Inc. (PA)

Over the last couple months, I have tried to have this collection account removed from my credit report. It is paid in full. I have emailed, called and left voice mails and mailed letters to have this removed. I have not received a response. I talked to the original creditor I owed the debt, and they said it should have been removed. Please, I just want it off of my credit report.
Consumer complaint received 2017-04-25
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: RFNA, LP (NC)

This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (ME)

The late payments reported  by Key Bank to the credit bureau stemmed from a transfer request. Requests for transfers from our Key Bank checking account were previously made with success, however, as we were advised later, the women taking the request did not hit the submit button. The payment was accordin gly never transferred from our checking account into the line of credit account. On or about  XXXX , my complaints were escalated to collections and  then to Loan Modifica tions and spoke with  XXXX .  XXXX  explained  a 90 program wherein I would mak  e three m onthly payments on or before the  XXXX  of each month until caught up. I stated I would accept on the condition that complying with his payment schedule would not resul t in Keys consi  deri ng them as late payments. He stated they would not effect my credit. Due to his Spanish accent, I confirmed again that there would be no late payment reporting if I complied with his schedule. Again he stated, They would not. I confirmed my address with him and we ended conversation.     After the first payment was made, I had not received the written confirmation or the rules that I was expecting. When I contacted Key via email and over the phone, it became evident that they would not confirm the agreement in writing. Accordingly, I paid the second payment on time along with the third and last payment in advance. Numerous inquiries were made however I was constantly being put on hold ( for up to  23 minutes ), referred to other dep artments, disconnected while being on hold and avoiding any discussion of accountability on their part. On  XXXX  and finally on  XXXX , Supervisor  XXXX   ( Code   XXXX ,  XXXX , Oh io ) st ated that  XXXX  was the early stage contact for loan modification. When reading my notes of the agreement and quoting  XXXX , she simply concluded that he was in Keys  XXXX  office and that they did not accept outside correspondence.     As a self-employed individual trying to protect my credit, if this were litigated against  Key for the time expended on this, the visit to the Branch regar ding the failed transfer and the ensuing drag-it-out and run-em-down process, it would cost them more than the loan amount.
Consumer complaint received 2017-04-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PLANET HOME LENDING, LLC (WA)

Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Loan o riginated in  XXXX    XXXX   with     XXXX   XXXX   XXXX  . Loan number  XXXX  Located in  XXXX   XXXX  Ca  XXXX   XXXX   XXXX   XXXX  HUD loan #  XXXX   XXXX   XXXX  PHONE  XXXX   XXXX   XXXX   XXXX  I was told.   I was told to write to the freedom of information act to get documents. We lost ours in a fire. I did and was told they could n't come up with them.     Securitized interest balance was  XXXX  I was told to ask  Ocwen for  : Transaction history from prior Servicers. Never received.   Account history. Was received  XXXX  Could n't make sense of It.   Then the loan was bought out by  XXXX  in  XXXX   XXXX  I had a forbearance of  XXXX  per month for a year to make my payment and clear then  XXXX .  Ocwen  bought  XXXX  and the ended up with the loan. We have used the forbearance plan with  Ocwen  but always did as required to get out account current. We never refinanced the loan was  XXXX  and at the end they say we will owe  XXXX . How does that happen when you have paid monthly fo r thirty ye ars.  Hope for  California helped us clear up a few back payments after I became  XXXX . They where told everything was current and on my statement it still says maturity date  XXXX . This was to be the hcappiest day of our lives.   I have federal tax returns showing the interest that was paid on the loan and to whom and how much. They are consistent except when the forbearance came into play with hud. I  hope I a m remembering everything.