davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (WA)

They called a few times already. But leave no message or whatever. I do not know who they are but I did XXXX there number. It could be from when XXXX XXXX is paying XXXX dollars of bad debt practices to consumers so my other debts might have been paid to them. But nothing in my mail or anythingelse except there phone calls but not leaving messages is harrassment anyways.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Absolute Recovery Services, LLC (TN)

In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries 1. XXXX - Date : XX/XX/XXXX 2. XXXX XXXX - Date : XX/XX/XXXX
Consumer complaint received 2015-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

This business calls me from XXXX to my work # about XXXX times a week. I have written records of date and time they called. One day I picked up the phone and the lady was very pushy in asking me personal information such as " verification '' of my address etc. She said I owe money to " her client '', but would not disclose the client. I said if they know my phone they must have my address, and to dispute any bills by mail. She sounded increasingly frustrated that I would not even hint my zipcode etc. 
From that point on I have been receiving robocall phone calls. They never leave a message, but if I pick up the robocall says my name ( incorrectly pronounced ) and says that this message is for me and if I continue listening to it I acknowledge myself. It then goes on to say to call them back at this number XXXX, and that they are Chase Receivables. I do not have any debts, and I never list my work phone # anywhere except insurances though my employer. This business is a phishing scam.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: HEARTLAND PAYMENT SYSTEMS INC (RI)

Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Receivables Performance Management, LLC (TX)

XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

Dear XXXX XXXX XXXXMy name is XXXX XXXX and I 'm a XXXX year old widow. My husband passed away 12 years ago next month. At the time of his death I was not able to afford my mortgage payments but knowing I 'm responsible for my debt I started taking in roommates to help cover my income shortfall. Time and time again I found myself being taken advantage of and had to move multiple people out. After trying to make it work with roommates I just found them damaging my property or not paying me. Finally after about 10 years ( XX/XX/XXXX ) I decided enough was enough and tried selling my home. It did not sell and I relisted it in the XX/XX/XXXX and still has not sold. Not being able to afford my mortgage I fell past due on my XXXX payment. Wells Fargo started calling me XXXX times a day and they finally broke me on XX/XX/XXXX. By that date I had spoken with multiple people and had received information in the mail. But on XX/XX/XXXX I got a call at work. I told the gentleman that I was at work and to not call me there anymore as I was working and losing my job would not help the situation. I hung up on him. XXXX minutes later he called back. I was in shock at the blatant disrespect and felt harassed that he would do that. Again I told him to stop calling me there and while he did not call me again that night I still received calls and voice mails at my job. Also in cutting back my expenses my only home number is now my cell phone which they are repeatedly calling. Sometimes there are people there and sometimes there are not. I sold some personal property and was able to make XXXX mortgage payments on XX/XX/XXXX. After doing some research I believe Wells Fargo violated my rights under the FDCPA and TCPA. Please take action against them on my behalf. I also do n't want to receive phone calls from them ever again! I revoke any consent I have given them to call me at my job, cell phone or any other number they have. I 'm happy to respond to them in writing. 

Thank you XXXX XXXX for your help, XXXX XXXX
Consumer complaint received 2016-01-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc (TX)

We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I have repeatedly asked XXXX Experian and XXXX to investigate my discharged account with XXXX Bank and update its reporting to show discharged in bankruptcy.I have disputed online and by mail and they have verified and changed nothing.My bankruptcy filing and discharge is on all XXXX credit reports and i have sent and uploaded my schedules.Recently since my disputing has increased XXXX is updating my account more frequently and driving down my credit score.On XXXX XXXX i received an update on my Experian report stating discharged in bankruptcy then on XXXX XXXX they reverted back to previous reporting.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC (TX)

The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me.
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.
Consumer complaint received 2015-05-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to XXXX XXXX!
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed.
Consumer complaint received 2015-09-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear TransUnion, This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

Dear American Express, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.
Consumer complaint received 2016-01-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Recovery Systems (AR)

This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC (CA)

I have been receiving calls at my place of employment. I am a XXXX. They were calling my cell phone then they stopped and started calling my employers phone number. I 've told them to stop and explained that this was n't my phone and my place of employment. 

They are rude on the phone demanding personal information, and explanations. They are looking at my credit report and telling me I should be able to pay. They do n't listen, they ask why ca n't I pay. when I tell them that that 's none of their business they say yes it is.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XX/XX/XXXX {$4900.00}