davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed.

My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a joint credit card account with my ex partner from 2002 with XXXX XXXXXXXX XXXX listed as XXXX. I have not seen or heard from them in over 16 years. I am not to be held responsible for his spending since I left in 2002. The bank won't take my name off without his approval. Again, I haven't had any contact in over 12 years and I want this off my credit report.
Consumer complaint received 2018-09-24
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: LendingPoint Holdings LLC (NC)

I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX Credit reports to verify the information they are reporting. Trans Union responded in writing indicating the following accounts are not on my Trans Union Account and not being reported. XXXX has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to  deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

This is a follow-up to a prior complaint last week against CSR ( Central States Recovery ). CSR is now telling me that they can not fix their errors, because XXXX has issued a " cease and desist '' order against them, basically telling me that it's my responsibility to correct their errors. I get nowhere with XXXX, so I'm frozen. I need to get a place to live, as well as buy a new vehicle, which now I can't do until their mess is fixed. Under the FCRA, they are required by Federal Law to correct their errors, not walk away from their errors, with their cavalier attitude. They don't return my calls, and they won't take my calls, as the receptionist sends to voicemail. Their client, XXXX XXXX, will not return calls either.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NH)

Reporting a collection agency that has been calling me repeatedly this week. I was called twice today ( XX/XX/XXXX ), twice XX/XX/XXXX, twice XX/XX/XXXX, and twice XX/XX/XXXX. I used to work for a collection agency so I know that goes against a few regulations. They have called from multiple numbers with the XXXX code, says it's coming from XXXX. The name of the agency is CBE Group.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Below is a copy of the email I received.

LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.

SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.

We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.

We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.

Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

Regards Ace Cash Services ACE Cash Express , Inc .

( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

Hi My daughter was given an American Express gift card for her XXXX XXXX. It was for XXXX dollars. We cracked open the sealed envelope that it came in and went online to register it. We see that the balance is only XXXX because someone used the number at a health store. I called amex to explain that the charge is not ours and can't be ours because we never revealed the numbers until today. So it seems that people have found a way to input random numbers and use amex gift cards fraudulantly. I called amex and they said the policy is that they will not take any action and it is our problem, not theirs. I spoke to a supervisor and she said the same thing. So basically, you walk into XXXX and purchase a sealed amex gift card. You go to use it and if someone punches in gift card numbers randomly and get approvals, you loose the money. I believe that is even against the federal law.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I want to make a complaint about Santander Bank they repo my car I couldnt afford it anymore due to the high interest the bank had every payment I made was not even touching the capital only interest rate. I found out people are suing this bank and I would like for the repossession to get off my credit because this is nothing but a corrupted bank
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. ( See page 1 through 5 of the attachment. ) We assumed the matter was being investigated by Amex but learned in XX/XX/XXXX that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. ( See page 6 of the attachment. ) We asked them to re-open the dispute, which they did in XX/XX/XXXX. However, it is now XXXX and they continue to say, " give us time, we are trying to contact the merchant '' and so forth. I believe they are simply stalling for time, and unwilling to admit that the information they could have obtained more than 18 months ago is no longer unavailable. ( It doesn't take 3 months to investigate a prior purchase. This is XXXX, with storage capabilities so awesome they are used by the CIA. ) I believe Amex wants my company to " eat '' the disputed charges that they failed to investigate. Moreover, because of this dispute, my company withheld full payment of our bill for many months and thus forfeited valuable Rewards points, which in some instances we had to pay to reinstate and in which in other instances we are told can not be recovered.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

Western Union allowed an account to be set up in my name, and funds transferred by a named person in XXXX to another named person in XXXX-neither of them me. I have been on the phone for hours with them and they have been terrible - I had to send the police report several times, and then start again every time I called back - hours of wasted time! Always saying to be patient, they were working on it, and would contact me shortly. 
They NEVER called me back, and after another hour on the phone with their Fraud Department today, they informed me I am not ELIGIBLE to receive my money back! 
The thieves took {$440.00} out of my Checking Account at XXXX XXXX XXXX XXXX on XX/XX/18. I didn't catch the Western Union transfer until a meeting with my accountant in XXXX, so the bank insists I missed their window of opportunity to help with the fraud. Western Union asked that I close my account to avoid further fraud, but I NEVER had an account with them to begin with!
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (AL)

I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

XX/XX/18 To : XXXX, XXXX XXXX XXXX XXXX XXXX Ditech LLC mortgage XXXX XXXX XXXX XXXX XXXX XXXX Fr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX or XXXX XXXX : Restoring account and credit I spoke with customer service over the past two year in attempt to rectify my account, however, this matter just seem to get worst. I been paying my mortgage every month however my statement reflect a balance of {$8100.00}, my question is where is my payment going for the past years, this is an ongoing problem, I have spoken to uncountable representatives along with written correspondences over the two years, with each making adjustments to account changing my monthly payment each time however after paying, this new month payment my account was still in teacher rears, my escrow payment is and was misapplied several times causing deficit to my account. Thirdly my account is presently in default, collection, modification ; my question is where is my payment going? Requested statements indicating my payment, made to Ditech however, never sent even with numerous requests. 
To date my account is still being mishandled causing misallocations of payment, confusion default, collections, bad credit to account. 
On XX/XX/18 spoke with XXXX, collection department, I requested a payment history, still I have not receive this information. 
This is not my first mortgage ; unfortunately this has been my worst experience I am calling on you to review, make the necessary adjustments, restore my account and my credit. 
Thank you
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

( 1 ) What happened? 

I disputed a Bankruptcy reporting on my account on XX/XX/2018 for reporting inaccurately : the original bankruptcy documents state a different address than where I live now. This is an inaccuracy because, the original bankruptcy documents have the address where I filed for the Bankruptcy over 7 years ago. I now live somewhere else. 

The dispute results where verified by electronic means. 

The FCRA states if any inaccuracies at all, are in the the Bankruptcy it must be deleted. If results reveal 1 inaccuracy, it must be deleted. The Bankruptcy Courts do not correspond with the Credit Bureaus for any reason ever. My report is inaccurate because only a small amount of the original information is reporting. The verification process must include the original bankruptcy document with signatures of both consumer and Bankruptcy Court Judge. This original bankruptcy document must already be in the consumers file when the consumer disputes the Bankruptcy for accuracy. 

The dispute results returned on XX/XX/2018 as verified. The very same day of dispute.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. 
Trans Union responded in writing indicating the following accounts are not on my Trans Union Account  and not being reported. XXXX  has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
Consumer complaint received 2018-09-21
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: Dyck-O'Neal, Inc. (FL)

DYCK ONEAL INC a debt collector has opened a fake account in my name and. posted late payment to my credit report I have not agreed to any payment plane with this company nor have I had any contact with them.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD FED LOANS HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company (PA)

I received a call both at work and on my personal number, they refused to provide verification that the debt was legitimate, and were very rude. They also did not inform me the call was an attempt to collect a debt or that the call was being recorded.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (LA)

I contacted XXXX XXXX XXXX and made a payment arrangement with them. I made the first payment. They only reported the new balance and did not change the remarks on the account to " paying as agreed. '' FDCPA requires creditors/collectors to report only accurate information. Despite me paying, they are hurting my FICO by only saying 'placed for collection ' when it is actually being paid.
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (MD)

To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. I am very disappointed EXPERIAN allowed this to happen. They should have notice that the accounts were the same with the difference of {$1.00}.