davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc. (CO)

I dispute the validity of this debt and am demanding that Coast to Coast Financial Solutions provide debt validation documents. If unable to provide those documents, I demand this debt be erased as invalid. If I was in a contract with XXXX, I need to see where on those terms that I agreed to only one trash bin being picked up each week. I did not agree to those terms and I am disputing that I owe XXXX any money. If this shows up on my credit, and if this bill continues through collections I will have no choice but to escalate this complaint.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I have previously filed a cfpb complaint under XXXX ID : XXXX. The complaint was in regards to secure message center not fully functioning and the documents that I sent in not being reviewed for a dispute that was closed for lack of response. The response that I received from Chase was insufficient as they did not even acknowledge the outage. Chase closed my complaint as resolved. I have tried multiple times to get a hold of the Chase representative that reviewed my complaint. However, XXXX XXXX extension. XXXX ) has failed to return any of my calls. I am frustrated that my complaint was closed and I have been told that no one can provide additional details of the case ( reference # XXXX with the exception of XXXX, who has failed to contact me as requested.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>. I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (KS)

A lawyer from a law firm called XXXXXXXX XXXX XXXXXXXX reached out to me stating that I owed them for a loan that was taken out with a company called Spotloan. They stated that they acquired the loan and we seeking repayment. I reached out to Spotloan, to the investigation division, and explained to them that a lawyer reached out to me seeking repayment for a loan that I had with them. The investigator that I spoke with stated that the loan I had with Spotloan was repurchased by Spotloan and that the account was closed and was placed at a zero balance. Furthermore, they informed me that if anyone is trying to collect on the loan they are scammers and thst there is nothing to collect on this account. XXXXXXXX XXXX  XXXX has repeatedly had someone reach out to me stating that I will be served with legal papers to collect on a debt that is no longer good.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (AL)

Someone from telephone number XXXX continuously leaves voice messages on my answering service claiming to be attorney Maury Cobb, a debt collector. When I contact them on the phone to identify the debt the representative says they are attempting to find someone named XXXX XXXX. I have never heard of this person prior to XX/XX/2019. This harrassment has been ongoing for over one year.
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have been trying for the past couple days to pay my mortgage online as I normally do and I can not get into my account. I keep getting an error message that says : " Problem occurred trying to validate the user credentials. Please try again. '' I have even tried several times to change my password and it still does not work. I am not going to pay for any late fees or penalties because this XXXX XXXX can't get there process right. I am due every month on the XXXX and this should not be happening going into my XXXX month. I definitely do not want my credit trash because they can not get it together. My initial steps was to complain to the CFPB. I need this issue resolved immediately or I plan to pursue legal action!!!!
Consumer complaint received 2021-03-04
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 (WA)

On XX/XX/2021 Washington state unemployment deposited {$6000.00} into my PayPal account after waitIng 3 months to get approved. This is the same day that Paypal decided to close my account for no reason. They will not help me with getting it back up and going.its unethical for Paypal to deny their clients of their unemployment money during an emergency pandemic. I have not been able to get help from them, they will also not explain to me why my account is closed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

On XX/XX/XXXX I got a letter from Wakefield and Associates saying I owed a dept of {$530.00} to them on a medical bill. Letter contained no info on what bill from where or any specifics. Called them spoke with a man who said it was a bill from XX/XX/XXXX of XXXX owed from XXXX XXXX XXXX, asked him what to do he told me contact my insurance to see why it's come to them. Called saint jessamine east the hospital I took my daughter to in XXXX and they said I had no bills owed. I spoke with my XXXX health plan also. Nothing owed the bill for that date was paid! Called them again on XX/XX/XXXX a gentleman I spoke with said my bill for the account was now from XX/XX/XXXX of XXXX and he couldn't even find something for what I was describing. This man stayed on the phone with me while I called my XXXX care source since in XXXX care source switched to another insured company. He kept telling me once the guy on my XXXX spoke with their insured agency I would need to hang up. The man through XXXX was XXXX he said do not give them any info he was going to send it to resources. He tried solving it for me when he spoke with their insurance agency they hung up on us. These bills have been PAID. I called back today XX/XX/XXXX some lady tried to play the same stuff over with me I asked her why people paid but still owed? Asked her why they were reported to the fbi, fcc and bbb. The lady XXXX told me they probably hung up on me due to the headsets not working. This is a lie I told my XXXX they wanted a letter of eligibility to prove payment and my XXXX said they don't provide something like this for whatever reason. Point is these bills are paid I tried showing the company they are paid and they are doing nothing. Saying it will go against my credit in 19 days.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (KY)

Debts had been paid by my insurance company and they were still attempting to collect the debts for far more than was owed initially before insurance had paid them. The companies I owed the original debts to stated all my debts had been paid by my insurance and my insurance company confirmed I did not owe the debts. They still reported it to my credit report as being in collections for two amounts that were not only higher than I owed but that had already been paid for.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NC)

I have some CDs at Ally Bank / Invest which I wish to transfer to XXXX XXXX Investments. XXXX is standing by, ready to accept the CDs. However, Ally continues to drag its feet and ignore my repeated requests for assurances that they will do this. 

Please help.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHS, Inc. (VA)

I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. 
Instead of it being sent to XXXX XXXX XXXX  it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. 
Sca credit services refused to send it to XXXX XXXX XXXX  and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX  but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX  and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I applied with Comenity through XXXX XXXX to for a credit card. There was a promo offer that offered up to 15 % off of your purchase or {$50.00}, the lesser. I was buying a product that was about {$550.00} and it made sense to take the hard inquiry The terms clearly showed the rewards benefit of the general purpose visa offer or the private label in store only card. I selected the XXXX option, as the rewards outside of XXXX XXXX along with the instore benefit of the purchase seemed a good exchange for the hard inquiry on my bureau. 

I went through the origination process, and was granted the in store private label card, not visa general purpose visa, a credit limit of {$1000.00}, and the higher rate in the risk based pricing schema ( two price points, XXXX and XXXX ). I was not given the visa, nor was I presented with the reason codes for not getting the visa or the highest rate ( risk based pricing notification ). 

My credit profile as of the time of application was clearly Super Prime : FICO XXXX XXXX XXXX XXXX XXXX Income ( self reported XXXX per year ) DTI ( including housing ) = 11 % ( my mortgage is my only debt and it is approximately 1360/mo ) I attempted to contact Comenity several times to get clarity on the matter and was not successful getting to the correct party and was regularly disconnected. I will write a letter to their dispute and complaint office now, reference this complaint and email them as well. This is ludicrous and if my profile is not worthy of the lowest rate highest limit product they offer, they are advertising a product that fewer than 1 % of American 's will qualify for. A true bait and switch concern. 

Please see attached for credit history images for both XXXX ( from XXXX XXXX and FICO XXXX from XXXX XXXX to substantiate my concerns.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Client Services, Inc. (FL)

Creditor : XXXX XXXX Amount : {$200.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account and another XXXX  XXXX I had with a different collection agency. So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe. 

Creditor : XXXX XXXX Amount : {$400.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe.
Consumer complaint received 2021-03-04
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. (OK)

I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.
Consumer complaint received 2021-03-04
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. (AR)

This XXXX account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/2018. It is ONLY reporting on Equifax. This account was closed due to transfer XX/XX/2018. I have late payments from XXXX XXXX XXXX. Then showing current payments from XXXX XXXX XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from XXXX that they closed it and no payments after XX/XX/2018. I will be attaching all of that. XXXX and Equifax are no help. Every time I dispute, they add more stuff after the date of closure!
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ID Analytics, Inc. (NY)

I received letter from Sagestream llc, containing fraudulent claim that I have an account with XXXX XXXX XXXX as well as indicating very low credit score with that company. This notice did not make any sense due to I have never opened an account with above mentioned company and very well aware that I have much higher credit score. Couple of weeks prior to receiving this fraudulent notification, my personal account had unauthorized charge of the amount of {$470.00} by XXXX XXXX XXXX. I was able to stop the payment and straighten up the issue with my bank, however, after receiving fraudulent notice from Sagestream llc, it became clear that this is not only big scam establishment that purposefully lower peoples credit scores to assist banks obtain higher interests on loans/deny loans ( as evidenced by countless customers reviews as well as filed law suits ), it looks like those scammers are also provide personal information to companies to create unauthorized accounts and make unauthorized bank transactions. Be aware, that Sagestream llc has an official website where they have an audacity to offer to opt-out of their services by submitting an electronic form where you asked to provide all PI information. I have not enrolled to receive their services in the first place. Never heard of them prior the incident either. Most certainly not providing any of my PI in any shape or form. This scam has to be stopped immediately!
Consumer complaint received 2021-03-04
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. (TX)

Paid off an installment loan and it drop my FICO score 23 points, with Experian. My score has been going up and utilization down. But when my installment loan was paid off my score should have went up not 23 point down.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE EMPLOYEES CREDIT UNION (NC)

This complaint is with NC State Employee Credit Union. Around 2013 I was bit by a spider and suffered a XXXX. Before this, I was never late on payments because my vehicle was auto-drafted out of my account at the end of every month which is when I was paid. When my mother who was my aide at the time due to my XXXX called the bank to try to activate the insurance I had to the bank in case of loss of job and XXXX. And the bank never activated that. They were rude at the time. I could not walk or see let alone drive My mother explained that. I was not given a payment plan or anything to catch up with. I was in financial hardship due to piling medical bills and the medicines and therapies I had to take. At that time I did not know my vehicle was getting repossessed as i never got a letter or call or anything about it. The vehicle was taken at XXXX XXXX in morning. I did not know that I had a balance left on the vehicle until I got a judgement placed on my credit report. for {$7200.00}. I have never heard of anyone being taken to court on an auto loan and not being informed of when it was to occur. They got the vehicle back. I don't feel that it was fair to have a judgement put against me. I have knowledge of other people getting repossessed by the bank and this not happen to them.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

I have a credit card that came through Experian. The pull shows up and dropped my score int the toilet but the actual payments are card itself do not show. Im working very hard building back my credit but if they are playing games like this with people then why even bother?! My score is going up with every other credit bureau but this XXXX. It keeps taking no matter how many bills i pay and it is just stuck at XXXX which is really XXXX me off. Who is going to check the company that can ruin others by giving false information?
Consumer complaint received 2021-03-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have tried all day to get in touch with a voice. 1 hour I was on hold and then I had to hang up, then I call back and I'm placed on hold another 45 minutes then I hang up because I have to work. I'm furious with this company for their horrible customer service, their horrible phone system that you can't navigate through. They must do this on purpose so they don't have to deal with their customers. I know for a fact this is not the first complaint on this horrid company. My next stop is an attorney just because I can't get a voice to help me with our flood insurance and mortgage. But I will get one if I have to. The only way to get a voice is if you push 3 for a new accout. They answer that line right away and then transfer you to another line that just had music for an hour. 

It's terrible and if I don't get in touch with someone I promise you I will do everything in my power to make sure this company knows how horrible they are. I'm begging you to help me. I shouldn't have to beg to speak to a representative from LoanCare but if I do then so be it.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I was laid off in XXXX due to covid 19 and i am on unemployment, my wife is working but doesn't make enough to pay the mortgage payment. both my unemployment and her pay is not enough to pay my mortgage. we requested forbearance but mortgage company rejected and asked to make 3 months payment or they will foreclose our home.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc. (AZ)

This secured/installment loan account with Conn Appliances INC has been closed and charged-off since XX/XX/2018 in the amount of {$3200.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

There are 2 hard inquiries thats inaccurate on my credit report. Under the XXXXair Credit Report Act this is violating my right s because it doesnt belong to me. These 2 account an are violating my consumer protection right of Privacy. 

XXXX XXXX XXXX XXXX  XXXX XXXX is not mine delete it XXXX  XXXX XXXX  XXXX XXXX is not mine I need this removed According to the 15 USC 1681 this is illegal and in accurate I need it removed immediately