davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (TX)

These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX from this number. They may have tried to use other numbers but left no messages. I even blocked them but they continue to leave messages I have received repeated phone calls from local numbers saying they have had numerous  complaints about me and have made repeated attempts to contact me. Refers me to call XXXX A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Gentlemen : XXXX XXXX fraudulently charged our credit card and withdrew funds from our bank account for services not rendered. We never provided any information to them regarding both accounts not did we ever authorized any such charges or withdrawal from our bank account. 

We reported the incident to Capital One the credit card company. They immediately issued a new credit card, credited the account and promised an inquiry. 

To our utter amazement, shock and dismay we received a letter in early XXXX from XXXX, Fraud Investigator at Capital One that she did not find any indication of fraud. 
Except for an address in XXXX XXXX XXXX the letter does not have any email address or a telephone number where she could be reached. We called Capital One went around the Merry Go Around with them. No one was able or willing to help. We called again the following week on XX/XX/2019 and asked to speak someone from the fraud division. We spoke with XXXX and he put us on hold for a prolonged time. Finally XXXX, apparently his supervisor came on the line. After relating our concerns to him he finally conceded that they had received a response from XXXX XXXX but the response had another customers name on it. We requested that if we could get a copy of such response it was refused. We asked if we could get the response with the customers name redacted our request was declined again. We requested XXXX 's and his ( XXXX ) telephone number and email address. Again our request was declined. 
Finally XXXX conceded that XXXX 's report was incorrect and he would send the case back for further investigation. 

We received another bomb shell, another shocker in the mail yesterday. This was sent simply by the Customer Fraud Protection stating " We're happy to tell you that your fraud investigation with Capital One is now resolved '' Lots of questions come to mind. 

Based on what evidence did XXXX conclude that she did not find any investigation of fraud. Why are being denied in getting in touch with her. 
When XXXX concurred with us that XXXX 's investigation was incorrect and he would sent the case back for further investigation why have we received this letter yesterday. 
Is this mere negligence on Capital One 's part of collusion between them and XXXX XXXX. 

We have approached XXXX XXXX several time regarding these issues. 
They have refused to respond to our inquiry regard the charges to the credit card and lied about the illegal fraudulent charge to our bank account.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

I made agree ment with XXXX XXXX in XXXX, nc I bought a house in another state, we agree that I will pay XXXX.rent and they will rent the apartment in XX/XX/XXXX, three months later I get a letter from a collection agency telling me I owe XXXX dollars 3 months of rent, the manager agree to the terms.that I can get out of lease, but I will not get my deposit back
Consumer complaint received 2019-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NY)

Hello I have been dealing with AMSHER COLL collection agency about a XXXX account I had a while back. After speaking on the phone they agreed on a recorded line to lower to {$1500.00} if I made payments I have made payments which I've been doing and I still see over {$4000.00} owed which is inaccurate. I tried calling there customer service team again and they said they had no idea what I'm talking about. I asked them to check there notes since I told them originally on the recorded line will this be on my notes and will you send to the creditors which they agreed the {$1500.00} would be plus whatever I paid each month taken off.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XXXX XXXX2019. The reference number is XXXX. The loan company is XXXX XXXX.
Consumer complaint received 2019-02-17
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. (AZ)

Concurrently I am trying to resolve the issue with the collection agency. They are listed as XXXX XXXX and I have looked for their ability to legally collect in the state of Arizona through licensing and being bonded in accordance through AZ law, and IRS regulations along with validity of the original debt and signed contracts through the Credit Reporting Agency 's XXXX  and TransUnion
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and spoke with XXXX  No. 
XXXX. He confirmed my new payment of XXXX to be due XX/XX/XXXX. He stated that he requested the capitalization be turned off on my account from XX/XX/XXXX to XX/XX/XXXX which would then bring my account current and no past due payment. 
I asked when this should be completed and he was unable to provide a specific timeframe, rather stated, in the next few days. 

I continue to receive emails stating payment was due XX/XX/XXXX and I am past due. 

He then transferred me to loan forgiveness and I spoke with XXXX No. XXXX. I stated that I have been paying on this loan 10 years prior to going on loan forgiveness and was told those 10 years would not be able to count toward the loan forgiveness. 
I stated that since XXXX I was on this program and my account is only showing credit for 18 payments of the 120 required. She stated I only began as of XXXX. 
Please see the attached letter from XXXX XXXX I began with XXXX, XX/XX/XXXX. I stated that I have been in contact with XXXX   XXXX for quite a few years and no resolve on this issue. XXXX stated that problem was I paid double payments one month, thus my account went to paid ahead status which then notes my account that each payment after that month was late. I stated that this makes no sense and she stated it was a courtesy that they put on the account. Again, I stated this makes no sense and if an additional payment was made and it was a problem, it should have been credited to the following month. ( See additional submitted document. ) XXXX stated should would submit a request to recount the qualifying payments. I requested when this would be completed. XXXX could not provide a specific date and stated in the next few days. 

I have yet to hear by phone and letter that this has been resolved.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Around XXXX of 2018 I disputed a debt that was reporting on my credit files by a collection agency called XXXX XXXX. The debt was fraudulent and was removed XX/XX/2018. 

A new collection agency called Diversified Consultants is now reporting the same debt that I had removed due to fraud. Diversified Consultants is attempting to collect on a debt that was demmed fraudulent. This company is attempting to collect on fraudulent debts that they clearly do NOT own and can not validate.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (VA)

I have a mortgage with HarborOne Mortgage that includes a PMI. I met the loan to value requirement in XX/XX/2018. On XX/XX/2018 I sent them a letter asking that they remove the PMI. I paid extra on my principal to ensure i met the 80 % LTV. I did hear back from the company, so i emailed them on XX/XX/2018 with an inquiry about the status of my PMI. I received a bounce back response that they would investigate and get back to me in 5 business days. As of XX/XX/2018 i have not heard from the mortgage company. I have tried to call their office, but the number does not allow for access to a customer service representative. I emailed again this evening, but do not anticipate a response to my issue. The reference / ticket number they assigned is XXXX. 
I have been timely in my payments, never late, and the value of the property has increased. There is no reason that they do not cancel my PMI. Their website says the request needs to be made in writing, which I did on XX/XX/XXXX. 
Please help me get a response to this issue. 

Thank you XXXX XXXX
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

XX/XX/19 I was preparing to close on a property, XXXX XXXX XXXX XXXX La. XXXX. The closing was scheduled for XX/XX/19. I was instructed to wire {$32000.00} needed for the impending closing early to prevent another delay in closing on the property. My closing/Escrow officer, My banker and I were waiting for the lenders approval to send the money for the closing that was scheduled to take place early XX/XX/19. Once we obtained approval, My closing/Escrow officer sent me the wiring instructions and I forwarded the wiring instructions to my banker. My banker wired the {$32000.00} needed for closing to the Title company listed on the wiring instruction sheet. The name listed on the wire instructions were XXXX XXXX XXXX at Suntrust Bank. I arrived for the closing and realized the funds were not available. The funds were intercepted by a fraudster and were not available to the Title company handling the closing of the home, XXXX XXXX XXXX. I as well as many others contacted Suntrust fraud department. I was told my bank had to contact them with a list of instructions of which one was to fill out a hold harmless agreement. 
No one involved in this fraudulent activity has offered any suggestions as to how I can recoup my {$32000.00}.
Consumer complaint received 2019-02-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

XX/XX/19 @ XXXX i got a call from one of my tax clients XXXX XXXX that she got a call a XXXX at ally financial stating that i used her as reference on my credit application. This statement was false. She stated that she wanted to leave a message for me to call her. This has damaged MY credibility with my clients and put a strain on my business.
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I have been making student loan payments on and off for 20 years to Nelnet. In XXXX i started making consistent payments on income based repayment plan. After 1 year the principal balance of my loan went up several thousant dollars because of interest, I called and said i wanted my payment amount to at least cover the interest so my balance would not go up. They changed my plan to an extended plan which i did not authorize. I would not have authorized a plan that would not qualify me for the Public Service Forgiveness program if it had been explained to me. I am a XXXX and told them i wanted to be part of that new program, that people were just starting to hear about in XXXX. But they did change my plan unbeknownst to me and 7 years worth of nearly {$1000.00} a month payments never gave me credit toward the Forgiveness Program. My balance never went down and now close to my retirement they told me I still owe what I owed 7 years ago and no payments went toward the Forgiveness Program. I want credit toward the Forgiveness Program for those 7 years.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

The story starts when I find a house and started an offer. I was already pre-approved for the loan with XXXX and locked in at 4.6 % for a 30 year loan, but wanted a little bit better interest rate. My realtor recommended XXXX XXXX for a speedy close. I contacted XXXX and told him all the details of the loan and house and he convinced me to go through the loan application process and would be able to for sure get me 4.2-4.3 % interest rate without points. Once all my financials were cleared with underwriting about 2 weeks from close he said that the interest rates had gone up and it would be 4.6 % for the loan and that he would check every day until close to try to lock me in at a lower rate. That never happened and about 1 week before close he send over loan documents and they had {$1900.00} in points listed. XXXX send me a screenshot of his computer saying those would be covered through lender credits, which he had gotten approval for that morning. I was told to sign them and he would fix it before close. He didn't, and I had to choose between closing on time or going to another lender and possibly losing the house.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX was given a request to close XXXX/XXXX  account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a bank account with Bank of America which was not closed for fraud it was closed because of a check that I received and deposited from my employer I gave copies of all the documentation to Bank of America regarding the check and where it came from they had no balance owed I owed nothingthey closed my account with a balance that they owed me and I see on my consumer report that they say I owe them money which is not correct several of my accounts got closed because of the wrong information that they have on my consumer report I want it fixed right away
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (SC)

Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I did not owe XXXX XXXX XXXX. I do not owe XXXX XXXX, {$640.00} or any other amount, XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

This collection agency never had a current address when they received this debt. They had a very old address and I never knew this existed until it was slapped on my credit report. I never had a chance to dispute this with the original creditor and with this agency when they received it. I have yet to get verification from this agency w/ proof that I owe this amount. Constant harassment with phone calls but no proof the debt exists.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
Consumer complaint received 2019-02-17
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. (GA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX XXXX