davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (CA)

( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.
Consumer complaint received 2021-01-09
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. (AL)

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by Transunion credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to 2002, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from Transunion is inaccurate when XXXX list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX  demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Consumer complaint received 2021-01-08
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. (CA)

I submitted a verification of the following account XXXX # XXXX with Experian on XX/XX/XXXX. Today XX/XX/XXXX I was informed that the investigation was completed with no correction to the before mentioned account. I disputed The same account XXXX # XXXX with XXXX on XX/XX/2018 ( complaint # XXXX ). During XXXX investigation they modified the account to not refl How can two different credit bureaus investigate the same item and get two different results? Per FCRA the accuracy of what items are reported on my credit report is the responsibility of each credit bureau. I have disputed this item multiple times with Experian knowing I have with XXXX as well and also knowing the results were different with both conducting investigations with different results
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX Santander called and sent me an email offering to defer two car payments to the end of my car loan. They further advised I would be responsible for the interest due to the deferment. 


XX/XX/XXXX, I confirmed with the representative there would be no additional payments taken based on the deferment agreement and that any payment pending draft was cancelled. 

XX/XX/XXXX I electronically signed the deferment agreement, the deferment was for the XXXX and XX/XX/XXXX car payments. My next due date was to be XX/XX/XXXX. 

On XX/XX/XXXX Santander illegally, drafted my checking account for a car payment {$490.00} This unauthorized draft compromised by bank account, because I have other bills scheduled to be paid, via my XXXX internet services. I am a remote worker from home with my daughter whom attends virtual school due to COVID19. 

I can't believe Santander would do this ... This is illegal and in violation of the Fair Debt Collection Act deceptive practices. 

I want this payment refunded back into my back account immediately and I want a letter of apology from Santander, I will also remove my bank account information from their website and at the time I make my car payments I will XXXX XXXX the money or money gram. 

Santander is required to consider this a cease and assist from drafting my bank account going forward. 

I have attached the following 1. Signed Deferment agreement showing XX/XX/XXXX and XX/XX/XXXX to be deferred with my next due date of XX/XX/XXXX 2. bank history page which shows the illegal draft {$490.00} taken on XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I applied for a refinance of my existing mortgage on my property in XXXX XXXX Delaware in XX/XX/2020. The company - AmeriSave Mtg. Corp - created an online portal for me to upload all the financials and reports they needed for the loan. They have repeatedly asked for duplicates or more recent ( since it's taken so long! ) documents but I still do not have a date for closing. The company representatives have assured me that all is well and that they're working hard to get a close date, but then I don't hear from them for days and days. 
I talked to one gentleman, XXXX XXXX on Monday of this week, who said he'd call me back with an update - later that day. I haven't heard from him since, and I've called him 3 or 4 times, leaving voicemails.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (IL)

I signed up for Google Pay due to the marketed sign-up bonus of {$21.00} after making a payment of {$10.00} or more to a friend. Additionally, there were other offers marketed that enticed me to start using this product, such as {$21.00} referrals to friends and family, and cashback on transactions, such as 20 % at REI. 

I referred a family member on XX/XX/XXXX, they made two qualifying transactions on XX/XX/XXXX and I did not receive the referral bonus, and they did not receive the signup bonus nor REI bonus. 

After 3 weeks of being run around by customer service, there is no other possible conclusion than this is a scam, bait and switch, and illegal business practices. OVer 10 emails asking for the same information that was already provided, making blanket statements about the promotion ending XX/XX/XXXX ( which clearly this activity was in advance of ), asking for information they already have ( transaction IDs, dates, peoples names/emails/phone #, screenshots, etc. 

It is not like google is hurting for money, so I don't understand the deceit and scam, nor the horrific customer service. Fulfill the terms of the bonuses that were signed up for and executed per the terms and conditions.
Consumer complaint received 2021-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc. (MI)

On XX/XX/2019 ( 1 yrs, 3 mos ago ) I received a derogatory remark on my credit of {$140.00} from a XXXX XXXX passed over to stern recovery services for a debt not paid. I have full coverage insurance and have no problem having my insurance cover this bill. I never received any notice of what I owed and did not receive phone calls and was not notified that I had a due bill. This has made it extremely hard for me to build credit and get loans, get a mortgage because of the effect it has on my credit. I reached out and they did nothing about it.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

This is the 3rd or 4th time this debt has shown up on my XXXX report since XX/XX/2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit if XX/XX/XXXX continues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak with XX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.
Consumer complaint received 2021-01-09
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. (PA)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom this may concern : The Company XXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XXXX of XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Consumer complaint received 2021-01-08
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!
Consumer complaint received 2021-01-08
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: WELLS FARGO & COMPANY (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (TX)

On Friday, XXXX XXXX, XXXX ( XXXX eastern time ), I contacted Carmax Auto Finance via phone regarding a charged off vehicle which was past due. The agent I spoke to ( who was identified as XXXX XXXX advised of possible repossession as early as XXXX XX/XX/XXXX unless payment was made, cited amount I was unable to pay ( approx {$1800.00} XXXX. I questioned agent on whether the vehicle 'could ' or 'would ' go out for repo without payment on XXXX XX/XX/XXXX. Agent stated it would be assigned for repossession on that date without payment. I escalated to seek other options, but was unable to reach an arrangement. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ) to continue negotiating, spoke with XXXX, who advised me that the vehicle was not, at that time, assigned for repossession. Based on this, I believe XXXX misrepresented Carmax 's intentions regarding repossession to coerce or intimidate an immediate payment from me. I escalated the call, and advised the next agent, XXXX, that I suspected a Carmax representative acted improperly in this manner ( via a UDAAP  violation ) and that I intended to follow through with regulatory action. XXXX acknowledged. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ), and advised the agent I spoke to of what I believed to be a UDAAP violation. He spoke with his supervisor, and advised me that the issue needed to be in writing ( thus, refused to proceed via phone ). Based on that, I feel I made reasonable efforts to bring the issue to Carmax 's attention for investigation and resolution, and am escalating the issue via reporting.
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX XXXX to Crown Asset Management , LLC. This balance is not correct, as I paid off everything I actually owed with check # XXXX.
Consumer complaint received 2021-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

Ive spoken with Preferred Collections on 5 different occasions and have asked them to please verify who went in for service because it wasnt me. Each time they told me that they spoke to their supervisor XXXX and that she was going to escalate it and request information from the original creditor. Its been over 7 months and still no word or verification letter. On the 4th and 5th call it was disclosed to me that the person was treated at an unknown medical facility for a head fracture. Thankfully me and no one in my household has ever experienced a head fracture. On each call, no one ever disclosed to me the name of the medical facility. The last girl I spoke with, XXXX, suggested it was XXXX XXXX hospital because she had a doctors name and she did a XXXX search. I wouldnt take it as concrete information being that this medical visit took place in 2016. It bewilders me that this company is reluctant to delete this bill off of my credit being that they cant even verify that its mine and do not even know the name of the medical facility it came from. On the 4th call they disclosed to me for the first time a different bill which I verified that it was mine and I paid it immediately. Any help in this matter would be appreciated.
Consumer complaint received 2021-01-08
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. (CA)

I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB (MN)

I have applied twice for Klarna since XXXX and XXXX but have been denied pre qualification according to them I have less than 12 months of revolving bank cards which is false. 
I have 1 year 2 months on one card, 3 months on another and a month on the other.
Consumer complaint received 2021-01-08
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)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I had an XXXX auto insurance plan for a few years and made monthly payments. I had shopped around and I ended the auto insurance plan on XX/XX/XXXX prior to due date of monthly payment and obtained a new plan with a different company. I contacted the company several times letting them know. They continued to send monthly statements for an policy that I ended. I would have to call them and report the same thing over and over. On XX/XX/XXXX I received a letter from collection agency regarding the remainder of the policy. The letter was dated XX/XX/XXXX. I have contacted the company in writing disputing the charges.