davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Yes I'm including All credit bureaus to in this complaint. They continue to report this false company from a ( 3rd party debt collector. Fair collections ) saying Verified. After numerous attempts of resolvement after dispute a few times that I dont owe this company or original creditor any amount and to show proof, they finally sent me and I assume credit bureaus fake ledgers that has info inconsistent! First thing was the address in question very noticeable don't know how credit bureaus missed that! 
Is not the address they referring to thats a address in New Jersey and the address in the matter is Pennsylvania address. ( Big red flag ) If these documents came from their records of the Original Creditor how a different address on there as their property?

Then the amount is all over the place, FaKE ledger. I never wrote checks to have them returned then it shows before the move it date of this. Who will allow someone to move in a rental with return checks shows bad character. Thats a computer made signature and the balance don't make sense
and No security deposit info posted. Its a unlawful crime and im suing them after seeing what documents they trying to produce and the credit bureaus allowing it. I WANT A Through look into this with this deleted from my account that's harm to my credit and name. These are Criminal Activity of deceiving to gain money. This been 6 years almost of this and I want to face a judge with this.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

I have written 5 Letters, directly-indirectly, requesting Medical Data Systems ( MDS ) dba Medical Revenue Service remove themselves from my Credit Reports. I have never done business with this Company. 
They have refused and as a result have damaged by credit worthiness and I have not been able to obtain employment. 

This Company, MDS, obtained and sent me medical records that contained my confidential Social Security Number, Drivers License, and Medical Tests that I had no knowledge of, nor did not I authorize ; this is IDENTITY THIEF ; and is also a direct violation of HIPAA Federal Laws.

MDS placed 3-years old improper medical exams that they were not a Party to nor had a business relationship with on my Credit File.

They completely ignored Federal Regulations? They should be held accountable for these numerous Federal violations.
Consumer complaint received 2021-05-11
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. (TX)

I have an account on my credit from XXXX that they have mislabeled as from XXXX I have evidence that I can provide showing that I purchased the car in XXXX and that's when the account was opened so it should be off my credit report and also that the balance that they're saying is incorrect.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MD)

Company never notified me or gave me a chance to verify and pay debt, didn't receive any warnings that debt was going to be attached to my credit report from the company and still to this day cant verify correct amount of debt that was reported, at one point i saw a different amount it looks as if it has changed but not sure because the company never contacted me to communicate it would be attached to my credit report. the company is called convergent outsourcing and the debt supposedly owned is XXXX. The date that is listed is XXXX, my email is XXXX XXXX
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Plutos Sama, LLC (MO)

While in the process of refinancing we were in contact with a Mark from Distressed Capital Management XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX number XXXX. 

We needed to ask him one more question for the refinance, we haven't been able to contact him or the company since ... it has been a month now and all the numbers I have with the company I have left messages with no response. I have along with my insurance company that needs their information have not received a call back in sed period of time. I need to make a payment to them but do not have the information to do so. Please help me.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure of this is a mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently My email PayPal is XXXX XXXX
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Dear CFPB, My complaint is against SunTrust Bank regarding refusal to properly apply mortgage payments and charging late fees for payments that were not late. I feel like I was forced into asking for a partial claim through Suntrust 's XXXX XXXX when I wasn't behind on my payments. I also feel like SunTrust failed to properly process my home preservation application and my eligibility for their programs to remain in my home. 

SunTrust Bank stated they never received payments from me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX although I have repeatedly sent proof of payments of checks cashed by SunTrust for these months from XXXX XXXX  and copies of money orders. 

I received notice from SunTrust stating my loan payments stated above were not paid and I was referred to XXXX XXXX because I was behind in the payments listed above which was not. So, I completed the Home Preservation documents and submitted them to XXXX XXXX of SunTrust XXXX XXXX to hold onto my home until the matter of the payments could be cleared up. 

SunTrust put me on a forbearance through XXXX, XXXX with a promise of a partial claim at the end of the forbearance period. Since sending the cancelled checks to SunTrust and speaking to several representatives trying to clear up this matter, I have never heard back from anyone including XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I have sent several emails and I have had several phones regarding this matter with SunTrust representatives. The payments were made as follows : Listed below are the checks and money orders SunTrust cashed through XXXX XXXX but refused to acknowledge the payments were received from me. I sent you photo copies from the bank via email to SunTrust representatives.. 

XXXX XXXX, XXXX and XX/XX/XXXX payments were made with attached XXXX XXXX  XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX XXXX in the amounts of XXXX and XXXX totaling XXXX. 

My complaint is against SunTrust bank and I am making the complaint on behalf of myself. Thank you for your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MA)

Car/lease was paid off in full from my car insurance due to total loss on XX/XX/20 For XXXX. 
On my credit it is showing XXXX from this company Chrysler Capital. 
I called. Chrysler Capital, according to them car was paid off in full and they dont know about the XXXX on my credit. 
No one could help.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CO)

We had a home loan on a condo with New American Funding that was paid on time every month for over 3 years. We then sold the condo because we bought a house and once we closed on the condo the loan was paid off in full to New American Funding on XX/XX/2021 which was immediately reflected in our account. Two days later we saw a pending transaction in the amount of the past monthly mortgage amount, so we immediately called New American Funding and was told the transaction was not likely to go through because there was a {$0.00} balance so it couldn't go through. The transaction did go through so once again we called New American Funding to let them know and we were told it would be refunded by Friday XX/XX/XXXX or Monday XX/XX/XXXX. It is now XX/XX/XXXX and we called them because we still have not received the refund and were told it would take longer because they needed to process the request before they could write a physical check to mail out. We told them that is not acceptable because of the financial burden it places us in, and because they had no right to take that money in the first place. They didn't care. We will be contacting our lawyer about it if we don't have our money that they stole from us back by the end of the business day.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (FL)

Envoy Mortgage has blocked all emails from XXXX XXXX and at least one current client. Former loan officers and managers have tried reaching out to human resources, compliance and government issues only to find out our emails are not going through. We are trying to get an FHA case # reassigned and they are refusing our requests, the borrower also reached out to Envoy via email with no response.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, XXXX is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for XXXX  to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NV)

In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I called the company who is in charge of my loan they told me that I would have to send them proof of being in the military/ my military orders. I sent them then I called they said they had never received them so I sent them again they said it would be updated in a day or two has yet to be updated and its almost been a month. My APR is 21 % but since I am in the military it can not be over 6 %.
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding/Credit is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Midland can not provide any proof that I entered any legal contract with them to even attempt to collect a debt owed. I've received letters from Midland Funding that are in direct violation of the FDCPA 15 USC 1692b ( 2 ), 15 USC 1692f ( 8 ), and 15 USC 1692b ( 5 ). I have sent Midland a notarized Affidavit showing where they have breached my rights according to the FDCPA by providing incorrect information on my consumer reports.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. 
I have been a customer of them for many years with my personal accounts and credit cards. 
On credit cards I have always been an excellent payer. 
On Friday, XX/XX/XXXX, I realized that my two credit cards had been closed, and I could no longer use my available credit. 
I checked my credit report through XXXX XXXX and I saw that a business card appears overdue for more than 60 days. 
This card was from a business where I was a partner and because of the pandemic I couldn't go any more and my former partner said he would be responsible since they were business expenses. 
Unfortunately, on XX/XX/XXXX, my former partner had to close the company ( used car dealer ) and he did not inform me that he had never paid for it. 
Chase Bank never contacted me to offer help and I reported this business card on my credit report and also closed my other personal cards that were up to date. I have not even received communications by Mail. 
In the credit report I could see that there was an Inquiry on XX/XX/XXXX by XXXX. I do not know this Inquiry, I request that the recording tapes be reviewed since I did not make any request for an increase in the credit limit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. 
Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. 
This year XXXX I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. 
During the month of XX/XX/XXXX I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. 
The government has helped the banks with money and the banks do not pass the benefits on to the citizens. 
The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. 
I don't have enough life to pay for this. 
It is an outburst and it is USURE. 
I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.
Consumer complaint received 2021-04-29
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: AMERISAVE MORTGAGE CORPORATION (SC)

I received a notification from a mortgage company named Amerisave Mortgage on XX/XX/2021. They were not authorized to pull my credit report. I tried reaching out to this company for weeks to no prevail. I want to remove the hard Inquiry off my credit report. I never talked to anyone about a mortgage from this company. This company have not yet reached out to me to fix the problem or answer any questions I have for them. This company is unprofessional and using information that they didn't have permission to use. I would like for this to be cleared off my credit as soon as possible. Thanks
Consumer complaint received 2021-05-11
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: JPMORGAN CHASE & CO. (WA)

In XXXX, 2021, I wrote to the company to ask about some purchases that I made, which were subsequently canceled and the company refunded my money. I was curious why this didn't show up on my statements. I never received an answer. Instead, about a month later, I received a letter in the mail ( from Chase ) telling me they were researching my " dispute. '' I wrote back, saying I hadn't filed a dispute and asked what the topic of this supposed dispute was about. I have never received an answer. Approximately 30 messages have gone unanswered by them. Phone calls aren't answered. 
Today, I got another letter, telling me that I am going to be charged {$100.00} because they reversed their decision on my dispute. This is outrageous. I NEVER FILED A DISPUTE.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I bought a used car from Credit Acceptance back in XXXX of 2000 and I had the car for three months until they came and repossessed the car without notice. I got a letter from them telling me that they repossessed the car because no payments had been made on it which I didn't know because I never had use of the car, another person was using the car all this time. After I found this out they said I could get the car back which I tried to do several time but they never told me where the car was at so I could get it back because I had made payments on it myself. I came to find out that car was down state where I could not get it because I have no way to get it and they said that they didn't have no way to get to me. I have as of lately found out that the car still has not been sold and it is at a repossession dealer near me but I can't find out where it is. 
Since they have done this it is on my credit report which had and is making it hard for me to get a place to live so I ended up living in a homeless shelter for nine months. I need a car badly but I don't want to get it through them again. Can you please resolve this problem for me. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.