davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
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. (WI)

Theres still a hard inquiry by XXXX credit on XX/XX/2018 showing on my TransUnion credit report that was not authorized by me. This is the 3rd time since XX/XX/XXXX in less than 6 months that I have to keep contacting you to get this removed. This company needs to be fined for reporting incorrect information on my credit report! I did not authorize XXXX to do an inquiry on my credit report! TransUnion has still Not Removed it! REMOVE THIS NOW!
Consumer complaint received 2019-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I wrote a letter to Navient on XX/XX/2019 inquiring about a transaction titled loan Sale. Navient did not disclosed any information associated with this transaction. The letter formally request for all pertinent information association with this sale date, time, and accounting be disclosed and a full disclosure of the financial ramification for the sale to the borrower be provided. 
Navient responded with a vague and contradictory letter stating there was no loan sale.I wrote a second letter to Navient on XX/XX/2019 declaring the response was unacceptable and none of the information originally requested was provided. To date i have not received a response.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry Portfolio Services LLC refuse to provide demanded verifications of the claimed alleged debt by providing copies of signed contract or credit application in direct violation of federal laws, continues and nonstop harassment, unlawfully without verification reported collection account on all tree credit bureau. 

Reference No : XXXX Reference No : XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Under the FCRA, this creditor has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 section 604a section 2 also states a CRA can only furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose. See attached notice.
Consumer complaint received 2019-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (NH)

I had an account that I opened with a company called XXXX. Its a rent to own situation you lease an item with an option to purchase. I bought a product using this service, completed the lease and then exercised the purchase option via their website. The website allowed for the buyout payment to be made in several installments. I made the required payments to complete the purchase as per my bank statements, but the company kept billing me erroneously after the account was paid in full. I changed my card number to stop the billing and never heard from them again. A year later I now have a {$1700.00} collection on my credit from a bill collector on this account that I believed to be paid in full. I tried calling XXXX but they are saying they wont even talk about the account because its been sold to the collector. The collector doesn't have any details other than the balance they show owed which is also showing on my credit reports. See attached for the original contract as well as bank statements showing the buyout payments on XX/XX/XXXX and XXXX. They then billed me again on XX/XX/XXXX after I show the account should have been considered paid in full.
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On Monday XX/XX/XXXX I was contacted by XXXX XXXX about purchasing concert tickets to XXXX XXXX. 
Several text messages were sent and he also called from XXXX Phone number. I wrote up an invoice and sent him the tickets.He paid through paypal. He accepted the tickets. 
I have a record of the text messages and receipts of him accepting the tickets. 
On XX/XX/XXXX he went to his Visa card and took the money back saying it was unarthorized use of his account. I sent paypal all the text messages and statements which they sent to Visa. 3 weeks after the concert the guy is scamming to guy his money back. I need my {$290.00} back. 
The phone number is his. He answers to it. Visa is scamming to. 
I need Visa and XXXX XXXX Address to go to court. 
I also filed police charges on XXXX XXXX. 
I am sending the text messages, Accepting ticket receipts. 
Paypal won't release which Visa bank took the money. 
They just took the money away from my account with no documents or anything from Visa and the Bank that Visa is using. 
Without that proof it is fraud on the part of paypal. I have no documentation and they refuse to give me any documents reguarding this matter.
Consumer complaint received 2019-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage has been over charging me on escrow since the man was transferred to them from XXXX XXXX XXXX. At first they were charging me XXXX for my mortgage after being reported it went down to XXXX. This was still to much as they were charging me based on a XXXX property tax payment in XX/XX/2019, but the payment was only XXXX. XXXX knew that the payment was not XXXX and continued to charge me over 150 dollars per month extra for escrow. Even after making the payment, they refuse to make the proper adjustment.
Consumer complaint received 2019-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I have a VA home loan. The originating XXXX, XXXX XXXX XXXX put the paper out onto the market where it was assumed by PennyMac Financial, XXXX XXXX, CA. As a XXXX Veteran, my home State of Wisconsin allows me full credit for my property taxes if they are paid, in full, by the close of the calendar year. PennyMac has billed me and held the tax amount in an escrow account. 
Well in advance of the tax due date, I phoned and e-mailed PennyMac offering specific information to ensure my property tax bill would be paid from the escrow account. I received a reverse thrill on XX/XX/2017, when the Township Treasurer informed me that payment for the taxes were not received. I paid the amount due out of my own pocket. What occurred from that point was a litany of fables and no release of the funds from my escrow account. 
The number of roadblocks and disingenuous statements I received proved to me that PennyMac has a policy to delay payment of escrow amounts to enrich themselves. I understand " working the float '' and their collective errors could not be happenstance. Only after pressure was applied to PennyMac by XXXX, did I receive some degree of solution to the problem.
Consumer complaint received 2019-09-10
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. (TX)

XXXX ran my credit without my permission. There was a representative that can to my job solicitating, claiming to get me a cheaper plan but did not receive permission to run my credit. I called the corporate office and made them aware of the unfair practice. I'm requesting removal of the inquiry from my Credit reports!
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Ditech holds our mortgage loan. In XXXX XXXX with check XXXX for the amount of {$560.00} paid on XX/XX/XXXX, {$140.00} is the payment amount and we instructed Ditech to apply {$420.00} to the principal balance, clearly written on the check and on the payment sub. When the XXXX stated i noticed that Ditech had recieved the payment of XXXX ( added {$6.00} more to the payment by accident ) and applied a payment and stated something on the statement that said Deferral/Rate Mod Partial Pays and nothing of the {$420.00} to principal balance. On XXXX XXXX I phoned Ditech to make them aware that they did not post my XXXX correctly when we though the whole account I made Ditech aware that XX/XX/XXXX payment was also not posted as we Requested on the XX/XX/XXXX statement and check XXXX for the amount of {$560.00} paid on XX/XX/XXXX we requested that {$420.00} be applied to the principal balance and {$140.00} to the payment for a total of {$560.00}. And again Ditech posted the payment as they saw fit. on the XX/XX/XXXX phone call with Ditech I was told to call back in 5 to 7 days for corrections to be made and i had my payment history emailedto me. when I called Ditech back on XX/XX/XXXX @ XXXX spoke to XXXX  with customer service i was infored that Ditech did not issuse a correction. We went though the whole payment history for the year of XXXX and XX/XX/XXXX. I made them aware that we NEVER asked for a deferral and in futher review XXXX with Ditech stated that Ditech put in a new system and was seeing these posting problems in several accounts would resmit for corrections and it would take another 5 to 7 days for corrections I requested to speak to a supervisior which i was told would call me back. no one has called me to this day. I phoned on XX/XX/XXXX @ XXXX spoke to XXXX went though the account no corrections no supervsior would come to the phone. on XX/XX/XXXX @ XXXX spoke to XXXX with Ditech Customer Service and again i was given the same song it was not corrected and it will be five to seven days if corrections are to made? I asked to speak to a superviosr same thing went the thought the account give them the same infronation i have been giving them sine XX/XX/XXXX, and her reposnse it will take 5 to 7 days if corrections will be made. i am not asking ditech to posting their payment the way i see fir im asking ditech to post MY EXTRA FUNDS to the Principal bablance. now we areat XX/XX/XXXX no corrections i am trying to pay the loan complety off and can not due so because they have not post the XXXX to the principl balance like instruted on our check and their payment stub, i will be paying XXXX extra on my pay off balance. an if Ditech does not fix the problem i will also have a late charge staring the XXXX when we have been trying to have fix their mistake since XXXX.and we have this problem with Ditech posting our principla balance at least 3 to 4 times a year.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (FL)

Hello how are you. I recieved a letter on XX/XX/2018 from NCC BUSINESS SERVICES , INC showing I owe a balance of {$3300.00}. I dont know why this is being reported on my Credit reports. because this is not my debt. I would like to get this account removed immediately. it is causing me problems on getting an Apartment.
Consumer complaint received 2024-11-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

These collection companies are in violation of the FCRA pursuant to ( 15 USC 1692g ) & ( 15 USC 6802 ) These are the companies in violation of the FCRA ... ....

- XXXX XXXX XXXX  ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1200.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - DIVERSIFIED ADJUSTMENT ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1100.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - XXXX XXXX XXXX ( XXXX  IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$2700.00}, REPORTEDLY OPENED XX/XX/year> XXXX
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (NY)

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is refusing to pay {$400.00} bonus they advertised because they now claim the qualifying deposits had to be made during each monthly statement period not during each actual month. So for example in my case between XX/XX/XXXX and XX/XX/XXXX, etc ... instead of between XXXX and XX/XX/XXXX, etc ... However, this is not what they advertised. The bonus offer clearly states " three consecutive months '' ... not monthly statement periods. 

From their website : Within 150 days of account opening, receive a monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. During this time, your new account balance must be {$1.00} or more. 

I opened my account on XX/XX/XXXX and made {$3000.00} in qualifying direct deposits within 150 days for the consecutive months of XXXX, XXXX & XXXX.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.
Consumer complaint received 2019-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX  XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.
Consumer complaint received 2023-03-06
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. (CA)

IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-19
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. (FL)

some time on or about XX/XX/2018 I lost my Daddy and fall on a hardship and lost seven credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with Equifax and XXXX  and they refuse to delete for my credit file.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (OK)

I XXXX XXXX have tried to settle a vehicle repossession matter with Ally Financial for weeks now. There simply is no reasonable process in doing this, as my calls are never returned. I made a big mistake co-signing for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX for my daughter. She was not responsible and eventually the vehicle was repossessed. Had I been given notice personally about the loan default, I would have brought the vehicle loan current. I believe the only way to remedy this matter is by filing a complaint with the Consumer Financial Protection Bureau. I respectfully requested a detailed outline as to how many times the repossessed vehicle was placed in auction, and I would appreciate a copy of the resale certificate that proves a shortfall of {$8800.00}. I am also in a financial position to make a one-time payment of {$2500.00} with Ally Financial to settle this matter permanently. I would appreciate a response to my request for documentation as well as the financial offer in compromise through the Consumer Financial Protection Bureau. I am doing my best to resolve a matter for my irresponsible daughter who has fallen on hard financial situations.