davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX : Letter of Hardship -Acct : XXXX ( Personal Residence ) -Acct : XXXX XXXX ( Rental Property ) Dear Loss Mitigation Customer Care , My family and I have been solid Fifth Third customers for many years, and I appreciate the opportunity to relate the circumstances that have led to the currentdefault status of my Flex line account. Please note that I have XXXX separate Flex line accounts with Fifth Third Bank : My residence at XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) DefaultMy rental property at XXXX XXXX XXXX. XXXX XXXX. ( XXXX XXXX ) Commencing with a letter I received on XX/XX/XXXX from Fifth Third Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been attempting to understand how my residence is in default when I have consistently paid my monthly payments.Upon further investigation and dialogue with Fifth Thirds Mr. XXXX XXXX XXXX we were both perplexed at how payments had been applied to principal and interest at both properties ( listed above ). Mr. XXXX pulled up records from as far back as XXXX, but despite working with me for over an hour on the phone, he could not make sense of the payment history, how the payments were applied, or how my residence was suddenly deemed to be in default. There appears to have been some confusion on my account ( s ) regarding allocating my payments, and possibly in conveying notice to me that outstanding late payments or other charges were potentially impacting my loan negatively. This is by no means an accusatory letter, and I readily acknowledge that I have been overwhelmed by several events in my personal life ( XXXX XXXX of several family members, tenant evictions, XXXX setbacks, etc. ) that may have caused me to assume continuity in my Flex line account ( s ) status since I have consistently paid the indicated payments due per my monthly notices. I would like to resolve this matter as quickly as possible, and I have begun the process of gathering my information in preparation for a loan modification if that is what is deemed necessary? As part of this process, I would appreciate written confirmation that details the exact issues that have led to the current default status. I want to be able to verify that loan payments were appropriately applied to my account or can still be remedied by Fifth Third Bank if it is found that payments werent properly applied to principal, interest, late payments, etc. that may have occurred in the past. Ultimately, bookkeeping errors could impact the loan balance owed, and it is important to establish that amount accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Twp. MI XXXX Please note : The Co-borrower is XXXX.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

Based on BMO Harris Bank 's promotion, I opened the checking account on XXXX and funded {$300.00} on XX/XX/XXXX. Then, in three consecutive months, my account was electronically deposited {$2600.00} every month as my payment, in total {$7500.00} the promotion required. I have completed everything they asked for, but I never receive the credit of {$350.00} as BMO Harris Bank promoted. 

XXXX, XXXX of XXXX I call them and my banked told me that I was supposed to see the credit soon. 

Weeks later, On XX/XX/XXXX, I had to call them again about my credit. The Lady answered my call checked My checking account again, said to me : I did see you have Direct deposit of {$2600.00} every month, and I will get this to promotion department and push this through the credit in your account. 

So far, I haven't received it. Obviously, they don't want to honor their promotion.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Monterey Financial Services LLC (CA)

There are 3 companies involved complaints neamely : Monterey Collection Service, XXXX and XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. My wife and I went there for a short vacation in our XXXX XXXX and on our last day, we went around some shopping center for some last minute shopping before our flight the next day, when one XXXX  looking guy smile and approached asking if we are from the U.S. visiting and we said yes. He asked where we are staying and told us that there is a new resort being develop in XXXX which he said to be much better than what we have and said that if we will not be interested we can always say no and no force representation or selling will be made. That was in last week of XXXX in XXXX. 
Upon learning that it's another time share, we hesitated and requested to get us back to our hotel but they said it will just take a short time and they will take us back, but to no avail we were there for almost 5 hours even if we keep on declining their sales offer, when the said owner manager, XXXX XXXX came and talked to us. We were at the point where we taught that we are being held hostage if we don't comply even if they told us to initial some sales document while signing it in duress but i told them to sign an agreement that they will cancel our existing timeshare with XXXX for us to transfer with them, and they agree, being witness by one of their representative which i have a copy. 
After signing the contract and were able to get a down payment using our credit card from XXXX, they let us go and when we get back to the US, few days after, they told us that they were not able to cancel our agreement contract with XXXX, but the monthly payment for the contract continue even after i advise XXXX credit card to put a stop payment of this account in XXXX of XXXX. Then here comes Monterey collection saying that they are taking charge of collection for XXXX XXXX XXXX XXXX, even I them that in the contract that we signed can only be enforced in XXXX. They have been bombarded us with calls and threats and i want this to stop. About XXXX account i already have the account close but when i referred to them the computer generated billing that they say " cant do anything about it '' because they don't know how to take it out of the system. Now they send me a letter discounting the generated amount if i want to settle, but i refused. Now they are trying to ruin our credit because of this. 
Thank you for taking the time to looking at this complain
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TN)

I received a call from someone claiming to be with Direct Recovery. They made it sound as if I was about to be served if I don't respond by XX/XX/2021 at XXXX. My problem is I don't know this company or what they are talking about. Plus they called a family member and left the same message, ( they gave my name ), on my family member 's voice mail. I believe they are not legally allowed to discuss any personal information with anyone but the person they are trying to contact. I am registered on the DO CALL LIST. I have not received any information from this company via the postal service. They are upsetting my family members when they call them and give out my personal information.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-04-23
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: Experian Information Solutions Inc. (WI)

I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX  XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX XXXX XXXX XXXX, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
Consumer complaint received 2021-01-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (TN)

In XX/XX/XXXX, I received a notice that I had a hard pull on my credit report from a company, Loan by Phone based in XXXX, TN. It was fraudulently pulled using my SSN, address, and my maiden name. We filed a police report in XXXX, TN. However, no loan activity showed up on my credit report. A few months later, I received letter that this debt had gone into to collections through XXXX XXXX XXXX. I told them numerous times that they had the wrong person. All through this, there was nothing on my credit report regarding this other than the hard pull which fell off in XX/XX/XXXX. Occasionally, I would receive notices that I could settle the debt, but because it was NOT on my credit report, I could not dispute it. I continued to tell them that it wasn't me. 

Then in XX/XX/XXXX, I received a notice that my credit score had dropped 25 points because this company had put me into collections for {$500.00}. Suddenly, this showed up on my credit report, but it was never even listed as a loan before. I have tried disputing this with the credit bureaus and they say it is resolved because this fraudulent company tells them that the debt is mine. I have reported this to the XXXX  in New York ( where XXXX  is located ). We have requested via certified mail that we receive information from XXXX that the debt is valid and we have yet to hear anything. I need this taken off my credit report and my credit score restored.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (IL)

I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
Equifax stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX  i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (NC)

Below is what I have sent to numerous customer service research emails for Dovenmuehle. 

I am writing because XXXXXXXX XXXX, Dovenmuehle and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XXXX of XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for Dovenmuehle to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Last XXXX, someone stole XXXX dollars from my Paypal account. There is some loophole where Paypal allows sellers through XXXX to charge PayPal accounts unauthorized. This issue is known to Paypal there are hundreds of people who have fallen victim to this scam and complained online. Here is a link : https : //www.paypal-community.com/t5/Disputes-and-Limitations/SCAMMER-WITHDREW-ALL-MY-MONEY/td-p/2074758 # First, it was very difficult to reach PayPal support XXXX I called, emailed, messaged on social media. It took me months to get a response and get through. I submitted a complaint and the response they provided didn't even make sense. They said : The transaction wasn't eligible for Purchase Protection and cant be refunded. This is insane. I did not make a purchase. I want my money back. Its true that it took me 11 months to lodge a complaint, but I deposited my money with PayPal to keep it safe. Its not in the terms of service that they will give my money away unless I check my statements monthly. 


Case ID : XXXX Transaction ID XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XX/XX/XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name :XX/XX/XXXX XXXX Inquiry Date : XXXX XXXXXX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2015-07-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act
Consumer complaint received 2021-01-25
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: Credit Karma (FL)

Somebody use my identity and my old address to file for disability and 1040 forms for the year of XXXX. There is also a credit hard push report because apparently they use my personal information to try to get an apartment as far as Im aware. On the disability form it shows that they were born in XXXX when I was born in XXXX and on credit consumer report shows that I own a XXXX XXXX which I have never owned in my life. I dont know if they have done anymore but this is as far as I was able to find out but this was not me I never filed for disability and I have not filed for XXXX yet. My name is XXXX XXXX and my number is XXXX please somebody contact me as soon as possible this is identity five credit fraud and I want to press charges for the fall extent of the law for whoever did this to me
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I had an account with XXXX XXXX/Syncb which charged off several years ago. I have tried multiple times to pay off this account but they say that it is not collectible and they can not take payment for the account as they issued a 1099 for the account. I need this account to report a XXXX balance and from what I understand by law they have to either take payment or report this as a XXXX  balance if they issued a XXXX. I have sent letters to both XXXX XXXX  in XXXX and directly to the credit bureaus XXXX and XXXX  in XXXX, XXXX and XXXX requesting that the balance be updated to XXXX but nothing has been updated. I had also enclosed proof of the 1099. I ask that this be corrected on my credit report to a XXXX balance OR allow me to pay the balance so that it will reflect a XXXX balance.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (OH)

I have sent 2 certified letter requesting the details for National Adjuster credit for {$4700.00}. Sent request for validation on XX/XX/XXXX and it was signed for on XX/XX/XXXX to XXXX XXXX of Ohio. Looks like after that date it was moved to National Credit Adjuster, so on XX/XX/XXXX sent a letter to credit adjuster on XX/XX/XXXX it was signed as received. I still have not received paperwork for the debt. However Credit adjusters marked my credit report as 90 days late as of XXXX, when last reporting on the file was 2 years ago. when it was moved to collection. Need also know why Credit Adjuster start over reporting after 2 years. Both letter was request for original amount, and company with date of loan.