davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial (FL)

I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed. 

They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX. 

On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home. 

Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her. 

On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.
Consumer complaint received 2018-04-24
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. (MO)

After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of Equifax breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
Consumer complaint received 2024-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is making me pay for their attorneys fees. They make plently of money to pay their own attorneys fees. Why do I have to pay their attorneys fees? Carrington has millions of dollars. Why do the home owners have to pay for their attorneys fees.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Larry H. Miller Group of Companies (CO)

This dealership is the reason the CFPB was formed given their multiple violations of consumer law during our experience on XX/XX/2018. During the negotiation process for a new vehicle we were forced to execute what was indicated to be a required compliance document several times, yet when they tried to reintroduce fees we had already requested be eliminated for ancillary products and services they were unable to produce the previous versions of this required compliance documentation. 

We left the dealership for two hours while they supposedly shopped our credit with financial institutions. They indicated with a strong credit profile we should expect 3.88 % or better, however, when we sat down to sign final documents and immediately requested that we first confirm our loan APR term, it was indicated to be 4.49 %, even with a 850+ middle FICO score and more than 30 % down. When we questioned this rate we were told the APR is determined before you get to my department but I think I have a coupon that could get you a better rate P if you are willing to open a new account at a credit union. We declined and they were not able to produce the approved rates they received for us at any other institutions, even though they indicated earlier we would be an ideal fit for their lender partner XXXX that specialized in 800+ FICO borrowers. It was an indication to us the dealership & /or manager was receiving an incentive to try and place our loan with the 4.49 % institution they did even though it was not the best qualifying rate for our loan terms. They hadnt even shopped our great credit with their parent XXXX even though there was an active promotion for 3.86APR for well qualified buyers for our specific vehicle and our preferred 60-month loan term. When we inquired as to why, the manager indicated they were unaware of the promotion and a second manager indicated our FICO didnt mean we would get that rate because XXXX may not like our credit profile.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I owed XXXX and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with Equifax since XX/XX/XXXX. Nothing has changed. I have disputed the item with Equifax, but they have failed to remove it.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have pulled my credit file and filed a dispute with XXXX XXXX with this Report Created On : XX/XX/XXXX File Number : XXXX : unlike the other Credit reporting Co. I have received some way to track the disputed issues they have in my reports : On the day I called that morning of XX/XX/XXXX and I talked to Trans Union employee XXXX, I will out line once more ( XXXX ) on the end of my name is fuels I will state it once more I am a single child with no children and have never filed a contract with this at the end on my name if they have put in on there it can not be because of my age and if this is so this would be Age Discrimination - EEOC : and other dispute I filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX I have no way to track theses disputes Let it be noted that the Trans Union employee XXXX told me three times on the phone that I would have to Pay them money for me to look at my FICA # and review any thing on my file as I received and Partial copy via internet of my credit report from the XXXX XXXX XXXX it was not a full copy as required by LAW! and a copy my mail was not sent. as of yet. I want clear Access to my Trans Union credit file when a dispute is on going : As of XX/XX/XXXX I have received 5 emails from Trans Union : saying " you can see your file and Trans Union score '' - but is was a marking emails for me to buy Their alleged credit Protection programs and not my disputes on file as of right now I do not know if they have done anything about the disputes I have giving them and requested these dispute be removed from my reports.
Consumer complaint received 2018-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

On XX/XX/XXXX I paid a {$300.00} payday loan to XXXX XXXX. The loan originated in XX/XX/XXXX. Upon recently reviewing credit score A deragatory remark is shows from Ad Astra Recovery debt collector showing XXXX XXXX account for {$300.00}
Consumer complaint received 2018-05-29
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. (LA)

please please please can yall make these bureaus obey the law. when XXXX   had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) CXXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NJ)

As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply. 

The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ). 

They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline. 

They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account. 

My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders. 

As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account. 

Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done. 

Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint. 

I had written to XXXX that there original claim of investigation was insufficient. This is even worse. 

Note : XXXX  acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card. 


Close the account as long as it does not
Consumer complaint received 2018-05-29
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. (NY)

My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the yearXX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX  report because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX also was to be deleted but is still reporting.
Consumer complaint received 2018-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with capital one over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to capital one again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX XXXXeport because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (LA)

I agreed to a debt settlement with XXXX XXXX for an outstanding amount due to AMEX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the AMEX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called XXXX XXXX and was told it was no longer in their files and to call AMEX. I went to call AMEX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called AMEX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract. 
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance. 
Thank you for your help.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

How I chose to invest my money is none of Capitol Ones business. Their unpublished blocking of crypto currency transactions is unlawful - which explains why they aren't publishing it or warning new customers that their account is worthless. 

For security reasons is a lie. They don't block transactions to/from scammers or 'as seen on tv ' fraudsters. They don't publish how great they are by keeping you safe from cryptocurrency, which would be a big selling point if it wasn't a lie. Furthermore, they themselves offer high risk investments that make bitcoin risk look like a stroll in the park! It is patently an illegal attempt to block their competition. 

It's my money, I will spend/make it how I wish. My bank is there to receive, store, and disburse those funds at my direction, not to hold them hostage  from their competition!
Consumer complaint received 2018-05-27
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: Paramount Recovery Systems, L.P. (TX)

XXXX will not remove Paramount Recovery Systems from my credit report. I have tried for almost 2 years. It belongs to someone else or it's FRAUDULENT. Because Paramount Recovery Systems is on my credit report they have access to my report and when I changed my address and added my phone number XXXX so I could Freeze my account, Paramount Recovery Systems accessed report, so when I dispute said charges they use the info from my credit report ( i.e. phone #, address ) and in turn XXXX tells me, it must belong to me because the address matches. 


XXXX refuses to reinvestigate the fraudulent charges. I was under the impression that by law they had to. XXXX is above the law I guess. 


My car insurance rate is negatively affected because of these charges. And I keep being denied credit because of it
Consumer complaint received 2018-05-27
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: SYNCHRONY FINANCIAL (FL)

Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX