davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion
Consumer complaint received 2017-04-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Sirs : I am in receipt of a mendacious notice from Select Portfolio Servicing, alleging that it is the SERVICER of the mortgage covering my residence and that ( falsely ) I have violated the requirement that " hazard ) ie Homeowners insurance be maintained. Since on XX/XX/2017 I changed carriers I would have ordinarily politely provided a Declaration page from the new policy. However knowing the historically abusive and illegal conduct of that company and that is conducting business under a Consent Degree I read more carefully. 
As XXXX and other major financial entities have done repeatedly to hundreds of thousands of unwitting consumers, the letter threatened to " forceplace '' such insurance at hugely inflated premiums However, Here is the punchline : Select Portfolio demanded that I concur in a loss payment endorsement naming it.althoughit hase no right to do sounder the terms of the applicable documents In fact, Select Portfolio has insisted several times in writing ( I never converse ) that the owner and holder of the said mortgage is XXXX I have thus provided in the endorsement. 
It is evident that Select Portfolio was engaged iun an attempted Larceny by False Pretenses and other tortious conduct. Having never observed the mechanism of the CFPB in such a bald illegality, Ihave determined to submit this complaint to your good offices I have no impediment in providing data and documents at your request XXXX
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (UT)

My name is XXXX. I had a few cases open with Bonneville Colletions in XXXX. I have been paying payments to them for around XXXX months. I finally have my credit repaired to the point my bank said they would loan me the money via signature loan for the pay off amount of XXXX dollars that I had discussed with the woman working my case 's my wife and myself both had case 's with them. After me asking repeatedly " are you sure these are all of my case 's '' and her assuring me that that was all of them I signed for my loan and my bank sent a check for the XXXX dollar sum. The check was received by Bonneville Collections on XX/XX/XXXX and on the very same day I received a call from XXXX requesting a payment from me. I then notified her of the settlement and that they would have a check there in the amount of XXXX dollars. I was then informed by her that the settlement was not with " her department '' and that they did not honor the agreement or any of the case 's that she was working on. I repeatedly asked to make sure all of my case 's were accounted for and also that I would no longer owe Bonneville Collections from the date they received the check in the pay off sum of XXXX dollars, to that they answered all were accounted for and I would no longer be indebted to them. I have a fax from them as notice to the pay off amount dated XX/XX/2017.
Consumer complaint received 2016-10-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Gerald E Moore & Associates, PC (CO)

This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MD)

I have had a XXXX come after me for years for a bill on an old property I once had. I never had XXXX and have sent off necessary disputes to have it removed from my credit file. XXXX will remove the account but months or years later they sell the same collection bil with my information on it to another collection agency and then I have to dispute it again. I have requested a letter from XXXX confirming the debt is not mine. They have agreed to send it to me but have failed to do so.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax at every turns fails to provided accurate information on there credit file when we called XXXX they failed to give the correct information instead Equifax provided them with the information Equifax considers a screen shot that the have my name and information as they have the verified the information even though they are aware that there is fraud on my file I have provided them with as much information as I can and it is still not enough they just open a new dispute and refuse to remove the information unless it removed by the company that is paying them. they tell me to upload the information for a dispute but I can not do that and when I was able to they some how lost it. Equifax has the information via CFPB to remove this account there is not more verifying needed.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Credit Control (CA)

Continental Credit Control claims that the creditor they are representing, XXXX XXXX XXXX XXXX, has placed my account with them for collection. They claim their records reflect that this debt is unpaid and due. I contacted XXXX XXXX XXXX XXXX billing and they have no record of this bill - it was from 7 years ago. They have no record of ever trying to collect on this bill. My health insurance at that time, XXXX XXXX XXXX, also has no record of this bill. There is no proof that this bill exists, and no proof that if it did exist, that in the last 7 years, XXXX XXXX XXXX XXXX did not write it off.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm reaching out about an account on my credit report that was a repossession and charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX XXXX
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (FL)

This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated
Consumer complaint received 2016-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (CA)

Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.
Consumer complaint received 2016-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: F & S Financial Marketing, Inc. (VA)

I am a cosigner on a car that is up for repossesion. The financial institution ( FNS financial ) is calling me three times a day, threatening to file a criminal warrant against me for non payment. They are calling my job, I have advised them I do not have the money. They are continuously harassing me. This is a civil problem, not a criminal problem, and calling me three times a day is n't going to fix it.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I was 15 days late on my car payment and credit acceptance took my car in XXXX illegally without sending me any notice that they were going to do it, I called credit acceptance and asked them why did they take my vehicle. They said because I had a late payment and that they have a right to pick up the vehicle when it 's a late payment. I went and got my car back the same day, I had to pay towing, storage, and a repossession fee as well as the 15 days that I was late, plus the payment that was coming up before the due date.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WY)

Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use them.
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (NY)

United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cohen McNeile & Pappas, PC (MO)

In XXXX XXXX we were served with court documents indicating that XXXX XXXX and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed XXXX XXXX. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to Cohen, McNeile and Pappas on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, Cohen, McNeile and Pappas, counsel for XXXX XXXX erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for XXXX XXXX provided XXXX XXXX Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to Cohen, McNeile and Pappas, counsel for XXXX XXXX, making counsel aware of the error Cohen, McNeile and Pappas made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to Cohen, McNeile and Pappas ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing XXXX Statements ( validation ) for XXXX individuals that are not related to the case filed against us by XXXX XXXX. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. Cohen, McNeile and Pappas represents XXXX in this case as well as many others, giving them access to XXXX 's Consumer information. XXXX XXXX does not represent XXXX XXXX in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Loan care purchased our loan but does not except electronic payment. They only accept loans by mail that are paid up to six days late accumulating six days worth of interest each month. My prior servicer excepted electronic bill pay and the payments were made at the beginning of each month on the first. If they are going to except or purchase a debt they should be required to maintain the previous servicers practices.