davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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. (NY)

I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (CA)

First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. 

They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. 

My wife has a business account that you tried to access, nothing came through. We were notified right away.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (CA)

We had service with XXXX XXXX in the past but we cancelled this after our last term ended. We were never, EVER on auto renewal. Each time of renewal, it was done by phone and we CANCELLED this service by phone. Were fully paid and do not want this service and the service has been stopped for some time now. My wife has made multiple calls to stop this barrage of letters from XXXX and has either been left on hold or hung up on. XXXX is using harassing pressure to try and get us to pay a debt we simply do NOT owe and now your EOS CCA sent us a collection letter The collection stated {$50.00} and we don't owe this.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my undestanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (NY)

XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction. 

XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days. 

This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible. 
I have my documentation/
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (AR)

I received a notification that my credit score went down because of a new credit card showing as authorized user for XXXX XXXX XXXX. I didn't apply for this credit card.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

When booking a flight with XXXX XXXX back in XX/XX/XXXX, I was offered a discount and travel miles if I applied for their CitiBank XXXX credit card, which I did. Typically, when this is done, an account is opened for approval and the travel charges are made to the card. This was not the case here. I was informed I would receive a card in the mail in 7-10 business days. I received an explanation of my benefits ( in one mailing ) and my pin number ( in another mailing ) but no card. When I called to inquire, they said nothing more than " the card was sent back. '' I asked them to instead send it to my work address if there seemed to be a problem, and they said they would have someone call me back to verify my identity for security reasons. I received no call back. Then, I called again, and was told they would re-mail the card. Nothing. I called again, and they said a manager would call me back. Nothing. Today, I called to close my card and they said they can't do it without verifying a text code that they sent to my cell phone, which I never received. I asked to elevate this to a manager, and they said no one was available, and somebody would call me back. I just want to close the [ expletive ] account. If these offshore phone banks are their idea on how to deal with customers, I want no part of this banking company and intend to do business elsewhere. However, I need to close my account and no one will help me. Please help! 

XXXX XXXX
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Telerecovery Corporation (LA)

XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. 

Telerecovery ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. 

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-05
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: Experian Information Solutions Inc. (MI)

For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage ( d/b/a Mr. Cooper ) has cashed all of our insurance checks we received for damage on our home from Hurricane Irma and from plumbing floods. Those checks total {$190000.00}. Nationstar has had the bulk of that money for 6 months, with another {$78000.00} in the last month. They have refused to disburse funds to us, except for {$37000.00} after we had already spent {$90000.00} of our funds. We submitted all the documents they asked for. We have been financing the repairs at 5.75 % using an equity line on another home. The loan to value ratio on the house is less than 50 %. The loan is approximately $ 300K and the value of the house is approximately {$660000.00}.

We have spent countless hours on the phone ( mostly on hold ) and have sent faxes and emails and have gotten no response. This is a deliberate plan to hold our money, even after the work is about 75 % complete. They sent an " inspector '' who spent 5 minutes, took a few photos, then demanded I sign a blank form as to the current status of the repairs.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.
Consumer complaint received 2018-04-06
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

For more than 6 months, I have been attempting to obtain information from the mortgage servicer, Nationstar, to confirm whether all charges to the account are justified. I have received the same responses, over and over, without anyone ever actually taking the time to answer my very specific questions. I am attaching just their last letter to me, and my most current response. I have correspondence going back to XXXX of 2014, but the most recent letters will give you a flavor of what is happening. They refuse to justify legal expenses, inspections ( some of which are on the same day or just days apart ), alleged repairs to my property, and other items. They say that the information requested " does not pertain directly to servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. '' The entire process is intended to ascertain the actual amount due and the actual owner and holder of the note and mortgage so that I may initiate a short-sale. I will not initiate a short-sale until I know the amounts which will be demanded.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I am a XXXX working on the client 's behalf. My client was facing foreclosure. On XXXX/XXXX/15 the client submitted his first payment in participation of the 90 day deferment opportunity offered by Colorado Statute. All deadlines were met and the payment was sent according to the attorney 's instructions. On XXXX the payment was rejected by the loan servicer, Nationstar. My client called Nationstar and he was told by a representative that they do not " participate '' in the 90 day deferment. I contacted the attorney, XXXX and was told it would be taken care of, and that Nationstar did not have an option to " not participate '' per Colorado statute. I instructed the client to resubmit the payment. The second payment for the second month of the deferment was sent at this time as well. On XXXX/XXXX/15, both payments were sent back to my client. I contacted the attorney again, and was told they 'd be setting up a conference call with Nationstar to get it straightened out, and to resubmit the payments. I instructed my client to do so. On XXXX/XXXX/15, we filed an intent to cure, because my client had the funds to cure the mortgage delinquency. The attorney did not respond with figures until XXXX, after a second request for the figures had been sent. My client took the payment for curing the delinquency, in person, to the public trustee 's office and cured his delinquency. On XXXX/XXXX/15, my client received both of his deferment payments back again and a letter from Nationstar saying he now owed approximately {$2000.00} more than what the cure figures stated. I have attempted to contact the attorney and have not heard back. The public trustee of XXXX County had honored the deferment, and has withdrawn the foreclosure due to the payment to cure the delinquency. But Nationstar still has my client 's mortgage in an active foreclosure, and my client is not sure what to do next OR what to do with his XXXX money orders for the 90 day deferment. XXXX of the money orders is set to expire XXXX XXXX, so he will be depositing the money back into his account. If the deferment payments would have been accepted, as they should have been, his cure figures would have been different than the amount he paid. Additionally, he will be owed back some of the fees paid in the cure payment that had not yet actually accrued.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (CA)

I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. 

They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.
Consumer complaint received 2018-04-06
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account