davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (SC)

This company has a charge on my credit and it is wrong! they are stopping me from being able to lease another apartment and causing lots of stress.I tried to dispute because the online information said ask for proof and corection they continue to not do this! 1 they had mold and everyone had no choice but to move and would not have any fees but im sooo confused also on my credit report its not even reported like accurate???

The balance is wrong ..The high credit??? im confused and dates of acivity is all wrong .. this account has no reason to be reporting on my credit report regardless ... They make these crazy attempt to always say accurate how and can never send proof of all thAT HAS been asked for this is illegal and im just in shock that its allowed ..Every credit report they report something differnt so how in heaven name can it all be accurate????????????
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MO)

I closed my account with XXXX XXXX  XXXX XXXX on XX/XX/XXXX with the account being current and entered into a debt managment program. This credit card was included and accepted into the program. I have made all my payments to the debt management company and they have made all payments to my 6 debtors on time each month. I received an alert by XXXX XXXX that I had a delinquency reported on my credit reports. I immediately investigated and found it was with XXXX XXXX XXXXXXXX XXXX and immediately called them to rectify the situation. They were NOT helpful. Told me they received the payment on XX/XX/XXXX vs the due date of XX/XX/XXXX. I said that is only 1 day late ; why did you report me as 30 days late and was told " Late is late. '' They were unwilling to assist me. I tried to dispute through XXXX  ; but did not have paperwork from my debt management plan and assumed XXXX XXXX  XXXX XXXX would do what was right. XXXX  sided with XXXX XXXX XXXXXXXX XXXX, I am assuming because I did not provide documentation. This was my first time ever having to dispute something on my credit so I was ill-prepared. The late payment is affecting my ability to secure a Home Equity Loan, so I contacted my debt managment company ( XXXX ) XXXX XXXX XXXX and explained the situation. They provided me documentation specific to my account with XXXX XXXX   XXXX XXXX that showed the dates the payments were electronically paid. Armed with this information, I reached out to XXXX XXXX XXXXXXXX XXXX again. I was met with the most aggressive individual who told me they had not received 3 months of payments ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ). That I was " lucky '' they only gave me 1 hit for being late 30 days. I asked if I could send the documentation from XXXX and was told " You could have just doctored that ... we won't make a change to your credit report. '' and then she hung up on me. I called XXXX and spoke with XXXX XXXX who said let 's call them together. She spoke first, while I remained quiet just listening on the line. She said she wanted to confirm that payments for a XXXX client were received and credited to the account. XXXX ( account representative at XXXX XXXX XXXXXXXX ) confirmed that from XX/XX/XXXX to XX/XX/XXXX there were no missed payments. When she brought me on so I could ask about the 30 day delinquency reported to the credit bureaus he put us on hold and we waited for 30 minutes but he never returned. I called back alone and asked for XXXX, but they could not connect me with him. This 1 delinquency on my credit report by XXXX XXXX XXXXXXXX XXXX has affected my credit score by ~100 points and is prohibiting my ability to obtain a Home Equity Loan because it is such a recent delinquency.
Consumer complaint received 2024-10-15
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: Credit Karma (MO)

XX/XX/year>XXXX  credit karma sent a notification that I was pre approved for a credit card and that I needed it to improve my score. I applied, I WASNT approved and it HURT my credit score and it continued! So many inquiries I did not solicit.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX XXXX XXXX : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XXXX nor XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX  has ruined why credit profile, they are reporting this on my credit as though I owe them. I dont owe this account. I am a victim of fraud as well id.identiy.  They keep telling me that they have removed it off my XXXX report however as of XX/XX/2018, It is still being reported and Im being denied credit based upon this account showing as collection,
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (MA)

I leased a new XXXX on XX/XX/XXXX I suffered debilitating injuries from a slip and fall on XX/XX/XXXX. I could no longer afford my car cause I was on XXXX. MB financial suggest that I voluntarily turn the car in which would save me from a repossession. Now in my credit report it says that it is a charge off and that over 19k is owed. MB financial did not tell me this was going to happen. I called MB financial in regards to this and they were not helpful at all. Now I can not get a car loan or a mortgage because of this. My hands are tied and do not have the XXXX or any money to pay for a car that I no longer lease. 
Thank you
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.
Consumer complaint received 2024-10-23
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. (CO)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (FL)

i spoke to an agent from nationwide recovery systems because they bought a debt i had expunged.i requested the initial delinquent notice from the initial debtor and they tried to get payment info from me in order to send the info, im assuming they have re-aged my debt and will hit my credit score, im pissed.when i called again later on in the evening to get info about the debtor ( nationwide recovery systems ) i was talked to very rude and when they finally agreed to send me the initial delinquent letter they said when they receive it, it will be forwarded from their company.when i requested that i wanted the notice sent directly to me from the initial debtor i was denied.i also told him i wish to record the conversation he wanted to hang up.however i recorded it. 
XXXX XXXX XXXX nationwide recovery systems XXXX plz see that they get fined as i will be taking legal action as well ... .ty sincerely, XXXX XXXX
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

Checked my credit report and have a collection on there from LVNV Funding. I think I might of sent them a email, but not positive at all. I want to have a correspondence from this company since they are reporting negatively on my credit reports. I would also like them to send me VALIDATION of this said debt and a original contract bearing my signature would be best.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX   debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this
Consumer complaint received 2018-10-04
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: JPMORGAN CHASE & CO. (GA)

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report. 

I did not apply for a Chase credit card on XX/XX/XXXX. Please remove it from my XXXX credit report.
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. 
they have a sale date for XX/XX/2018 at XXXX XXXX  and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. 
XXXX from shellpoint called on XXXX of this year treating me that she can foreclosure in the house any time she wants to this is very scary for me and my family all i am asking to postpone the sale for another month until I find a solution to my financial situation .... it is already cold in XXXX I can not be on the streets with my children they refused to help me
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have repeatedly requested my loan payment history and a copy of my entire loan servicing documents from my account with Bank of America. I believe they have not accurately recorded all of my payments over the duration of my account since XX/XX/1992. They repeatedly refuse to provide me with these documents or provided a limited amount of documents as the documents will prove that they have not recorded all of my payments accurately and my loan should be paid off by now. I also need to review all of my loan servicing documents since the inception of my loan. I have requested these documents via certified mail and was told they would provide the entire document request within 30 days on 2 occasions and they have failed to do so. They are breaking the law. I have also went into several bank branches who have told me they can not provide it as well as phoned on multiple occasions with this request.
Consumer complaint received 2024-10-23
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

Today, XX/XX/2020 I tried to withdraw {$400.00} from my cashapp account and Ive been able to withdraw money before. Ive tried 5 different times to withdraw from the ATM and it wouldnt allow me to, I went to check and they said that my account is closed.. didnt even send an email or anything and that is an inconvenience for me right now especially during this pandemic. Please help me get my {$1000.00} from cashapp I want to withdraw all of it
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Name is XXXX XXXX XXXX and I'm the daughter of XXXX and XXXX XXXX. In the XX/XX/XXXX my family bought their first home with the home loan coming from Bank of America. Fast forward to the XX/XX/XXXX my Father XXXX XXXX was XXXX and tried in a XXXX XXXX and later XXXX to XXXX XXXX for a XXXX XXXX XXXX. My mother since has suffered two minor XXXX XXXX, diagnosed with XXXX XXXXXXXX XXXX, and has had XXXX XXXX placed into the XXXX of her XXXX and placed on XXXX XXXX unfortunately unable to work. I submitted a hard ship letter to Bank of America as well as worked on behalf of my parents for the last 4 years with XXXX submitting documents. Documents including paycheck stubs, Tax Forms, Budget forms, as well as entering into a re-modification program. We were indeed approved for the re-modification loan. We were approved for a trial mortgage and began moving forward. During the duration of the trial period all accounts of required funds were met and on time via cashiers check through the U.S. postal service. The last requirement needed from us was the signature of my father to reinstate the mortgage permanently. My father did not sign the documents but my mother was able to sign the last document. The bank told me moving forward not to send any more money and that the process would not move forward. the sale date of my family 's home is a week away. I am able to pay the mortgage and save it from foreclosure since working tirelessly through this re-modification process and for the past 4 years. from the age of XXXX. I writing this complaint as my last front for assistance and guidance in this matter. Thank you.
Consumer complaint received 2019-07-02
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-11-27
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. (IN)

I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Still today, XX/XX/2018, my personal checking account is in the " negative '' ( due to bank mismanagement ) retaliation/reprisal ( due to me filing previous CFPB complaint 's ) and the bank 's ( and bank representatives ) ongoing malicious DISCRIMINATION practices. Pending today, is {$28.00} for XXXX XXXX XXXX policies ( via ACH withdrawal ). Today, XX/XX/2018 @ XXXX I have deposited {$29.00} for the said, XXXX XXXX XXXX policies. I am continuing to experience repeated adverse actions practiced towards me and my personal checking account.ALL supportive documentation will be faxed to the CFPB. ALL documentation is strictly for the CFPB ( NOT, to be used, published or compromised in any way by the said bank or their subsidiaries. THE END!