davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX via XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX ( on XX/XX/21 ). I would like an update of my credit report after all of the hard inquiries REMOVED.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc. (AL)

XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (MN)

We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (NC)

There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too. 

Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX. 

No matter what I try to do, they will not stop.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (VA)

We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (DC)

XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (VA)

I took a credit card for furniture ( in store card ) XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The XXXX. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
Consumer complaint received 2016-08-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Premier Portfolio Group (IA)

I received a call at work on XXXX/XXXX/XXXX at approximately XXXX CST. The call was from a company called Premier Portfolio Group claiming that I owed a debt from XX/XX/XXXX. First, I did not recall the debt and was shocked to find out that I owed money to this company because I check my credit monthly. XXXX XXXX was the representative I spoke to initially. I started asking questions trying to validate that it was an actual company and not fraudulent. XXXX transferred me to XXXX. XXXX asked me how I could help her. I stated, I just need your business address to verify you are a legitimate company. XXXX stated it is not her company 's job to verify they are legitimate and I was to respond to the debt. I explained to her I do not recall the debt and if she could send me something that I could look at. She explained letters have already been sent and that I should have responded to them. I stated I did not recall receiving any letters from her company. She took down my email address and said she could send something now to my email address. I have not received paperwork at my email address. I asked her is n't she required to send written documentation after she has had contact with me. She said no and that if I do not response I will be taken to court and sued. I DONT EVEN KNOW WHAT THE DEBT IS??? She asked me if I am disputing or validating the debt. I explained to her I am doing nothing because I do not know what exactly the debt is and again asked for some kind of written documentation to be mailed to me. She said no, it has already been sent. She again asked if I was disputing the debt. I told her to do what she has to do, I am not disputing or acknowledging the debt, but will figure out what it is once I get the email. She said unfortunately, once she hangs up the phone it is final and can not be reverted. Huh?? I asked her to NEVER call me at work and gave her an alternative method to contact me via cellphone. 

Note : The company also stated they are collecting the debt plus XXXX for court fees. I have not went to court??? or been served! 

All I need is the company to provide details on the debt so I can figure out what is going on and make arrangements accordingly if it is legitimate. I do not appreciate being threatened with court if I do not respond the exact minute they call when I have no idea what the debt is. 

Please address this with the company, and I would still like to see what the documentation or debt is.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX in XXXX collecting a debt that 's not owed in XXXX as stated by XXXX Insurance Agent XXXX XXXX in XXXX XXXX Auto policy on XX/XX/XXXX XXXX XXXX Policy # XXXX effective XX/XX/XXXX. 

XXXX auto policy # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Policy effective XX/XX/XXXX in which l was still in living in XXXX. 
I moved to XXXX XXXX from XXXX on XX/XX/XXXX and l stayed at XXXX XXXX hotel in XXXX, XXXX until l purchased my new home at XXXX XXXX XXXX XXXX XXXX XXXX. I closed escrow on XXXX XXXX. 
XXXX XXXX insurance debt was carried over to XXXX XXXX XXXX. In which by law you can do that. 
XXXX XXXX in XXXX and XXXX XXXX XXXX are in Federal Violations. 
XXXX XXXX in XXXX are collecting debt through my mortgage company escrow XXXX XXXX XXXX XXXX in XXXX, XXXX since XXXX XXXX they also collecting through a collection company in XXXX XXXX . 
I am been Discriminated and Retaliated because of my XXXX XXXX XXXX and Military Veteran status and on XXXX XXXX Lifetime and l am Retired. 
l am taking prescribed medications for XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Was denied credit increase and the denial letter did not state the reason to me that was correct. The denial used vague terms such as " substantially '' and was not true. Letter of denial stated that " Your average monthly payment has been too low. '' My minimum payment required has been from {$17.00} to {$140.00} and I have made consistently much higher than minimum payments in the amounts of {$150.00}, {$300.00} and {$450.00}. I have an excellent credit score and never missed a payment and on time. My complaint is that I do not believe the decision to deny me a {$2000.00} increase on my {$8000.00} credit limit was correct or fair. I was not given an adequate explanation by the Capital One Manager I spoke with - XXXX Employee ID : XXXX at XXXX ET on XX/XX/2017. Please help me understand why I was denied credit.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. 

Can you solve this problem for me. 

Thanks. 

Sincerely, XXXX XXXX. XXXX, XXXX.