davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (SC)

I went to title max in XXXX South Carolina on XXXX got a title loan for {$3000.00} and i was told by the lady that did my loan XXXX that the interest would be {$5.00} per day. On XX/XX/XXXX I had accrued more than {$470.00} in interest. I called the store and spoke with the store manager on XX/XX/XXXX and she told me she can not tell me how much my interest is and that i was misinformed because the store associate is a new employee. I contacted corporate which led me to the voice mailbox of the district manager that has not returned my call. The store manager admitted to me that i was misinformed due to the employee being new on they job and did not know what she was doing. When i was there to get the loan the store manager left for lunch leaving the inexperienced employee alone to handle me as a customer. Now i am suck in this loan with interest more then 3 times the amount i was told it would be.
Consumer complaint received 2024-07-23
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Mortgage was transferred from XXXX Mortgage dba XXXX XXXX to Select Portfolio Servicing, XXXX ( SPS ) on XX/XX/XXXX. I contacted SPS on XX/XX/XXXX to alert them the escrow was incorrect and the hazard insurance was not on there. SPS requested I send them a letter stating I wanted the escrow to include the annual hazard insurance and the taxes, as XXXX XXXX had been taking out. So, I complied to their request. They received the letter and responded on XXXX XXXX XXXXXX/XX/XXXX, well past XXXX days, apologizing for their mistake and they would rectify it. My homeowners insurance is due to expire on XX/XX/XXXX at midnight. I have called several times, I have a log of date/time/person spoke to, from XX/XX/XXXX to today XX/XX/XXXX. I still don't have any idea if they are going to pay the mortgage insurance. I can not get a resolution. I called again today, spent over an hour and fifteen minutes, spoke to five different people, asked if this could be escalated since it is time sensitive, spoke to a supervisor who said she is going to send an email to someone in the escrow department, which does not accept calls from mortgagee 's. All I get from this mortgage company is " they are working on it '' but, no resolution.
Consumer complaint received 2024-02-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO Bank, N.A. (KS)

BMO Bank is trying to say that we owe a debt to BMO and we have never heard of them. They have referenced an account that was closed with Bank of the West and I have asked them how they obtained our information? Again they reference Bank of the West. 
BMO has reported damaging false information to the credit bureaus, which has caused us humiliation, time and money. BMO has to date not provided any documents signed by us giving consent to use our personal information or to share that information with anyone. Unless they provide signed consent and contracts, which they have not done, they need to cease and desist! BMO left a letter on the front porch, at our place of domicile, this was found by our son as we were out of town. This personal information could have been found by anyone, exposing us to further fraud, time, money and humiliation. So, I sent a Notice of dispute. 
BMO had to provide debt validation when we sent a Notice of Dispute letter certified mail to the XXXX XXXX XXXX XXXX XXXXBMO Bank at XXXX XXXX XXXX XXXX, Wisconsin on XX/XX/year>. BMO did not contact me, they just reported negative information on my report. Our letter included a Stamp on the back of the Notice at the bottom, so if they say it was not received then we will include the XXXX claim and postal fraud. I called BMO Bank on XX/XX/year> and they could not find that account number anywhere in their system and I was told by their agent to file an identity theft report, so I did with XXXX on XX/XX/year>.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

I am getting calls from different numbers from a debt collections agency, Midland Credit Management. So far the numbers are XXXX on XX/XX/ and XXXX on XXXX. I don't answer because I don't recognize the number and they do not identify themselves on CID. They never leave a message. I did an online search and found their name. This has happened to me before. There are anywhere from XXXX to XXXX people with my name in my area code at any XXXX time. They surely got phone, address and other information from their source, but it appears they just keep harassing anybody with similar names until they track down the party they are searching for. Today the phone rang while in the middle of a church service. Thank goodness I had it on mute but I have XXXX XXXX with blue tooth capability and so I could hear the ringing even if those around me couldn't. I've been getting scam calls ( too numerous to count ) from people telling me I am pre-approved for a hardship loan anywhere from {$30000.00} to {$50000.00}. I'm wondering if these are somehow related, the scammers hoping if a debt collector starts harassing me, I'll panic and ask for a sham loan. I have no debt in arrears and have a XXXX score over XXXX. Please help me get them off my back. Thank you.
Consumer complaint received 2024-02-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (SC)

I just found out the class action lawsuit regarding those borrowers who filed bankruptcy may be eligible for relief. I have told this lender on countless occasions this loan has tripled in the amount owed due to the daily compounded interest. The programs to keep my account current are useless as only a small minimum amount is going towards the principal while the majority of the payment goes to interest. This is a vicious cycle where if I don't make the minimum amount as set by the lender then anything less than is fruitless. These subprime tactics has not only caused me severe financial distress but my credit rating has lowered substantially. Agents have only offered the solution that I should generate more income by getting another job or changing professions to generate enough money to pay the various loans. This may be a valid statement but at the time intrusive about my career decisions. So agents have the ability to give out unsolicited advice?
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. Please remove immediately the following accounts : PORTFOLIO RECOV ASSOC XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX name XXXX. I saw this credit in my credit report without any contact details. I dont know this creditor neither do I opened any account with them. 
INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Original Charge-Off ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 
Date Opened : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account XXXX XXXX Balance : {$11000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$11000.00} Original Charge-off : {$0.00} Pay Status : Terms : >Account 60 Days Past Due XXXX {$370.00} per month, paid Monthly Past Due : Estimated month and year that this item will be removed : XXXX/XXXX Credit Limit : {$10000.00} XXXX $ XXXX XXXX Delinquency of 60 days in XX/XX/XXXX for $ XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (KY)

XXXX XXXX XXXX  I received a letter via mail that my mortgage company needed a copy of my hazard insurance. I submitted it via their website immediately and did not hear back until XXXX asking for the same thing. At that point I contacted my insurance broker to verify I sent the correct thing and I had. My broker then submitted a copy of my policy via their website and fax. I again sent it myself as well via website, fax and I mailed a copy. XXXX, I received the same letter. Again, my insurance broker and I submitted my policy via their website and fax. Even the management company for my XXXX attempted to send my policy in the same manner. I did not hear anything again, so I thought they had gotten what they had needed finally. Then on XXXX I went to the New Rez website to pay my bill as normal and noticed my escrow amount was off. When I looked into it New Rez has purchased a hazard insurance policy and has been billing me for it. As I began to look through my statements I saw : XXXXXX/XX/XXXX Lender Placed Hazard Disbursement {$120.00}, XX/XX/XXXX Lender Placed Hazard Disbursement {$42.00}, XX/XX/XXXX Lender Placed Hazard Disbursement {$42.00}, XX/XX/XXXXXXXX  Lender Placed Hazard Disbursement XXXX XXXX Hazard Disbursement {$310.00}, XX/XX/XXXXXXXX  Lender Placed Hazard Disbursement {$43.00}. I messaged new rez via their message area on their website twice on XX/XX/XXXXXXXX  Again on XX/XX/XXXX and a 4th time on XX/XX/XXXX. I have not received any sort of response. I also filed a complaint with the XXXX XXXX XXXX  : Complaint ID : XXXX. New Rez has not responded to the XXXX either. Now I see on my next billing statement they are increasing my house payment due to this but at the same time never responding to any of my messages. I have literally done everything but fly to their state and hand the insurance policies to them personally. They are bold faced ignoring me and the XXXX. I don't know what else I can do. I am a one income household, and I can not afford for them to not only be stealing from me, but they are increasing my house payment due to their error and refusing to acknowledge or correct this.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Risecredit, LLC (AL)

On XX/XX/2023 Rise Credit sold this debt to XXXX XXXX XXXX and today the debt was settled, and the confirmation number is XXXX. I am asking that being that the debt has been satisfied that you all delete the tradeline off of my credit reports. XXXX XXXX XXXX has agreed to delete the tradeline off my credit reports and I am asking that you do the same. 

I have attached the correspondence between the XXXX XXXX XXXX and I in regard to satisfying this debt.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed a collection from a company called XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate XXXX or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (MN)

On XX/XX/XXXX I received notice from my mortgage service, XXXX XXXX, that the servicing of my home loan would be transferred to NewRez, LLC effective XX/XX/XXXX. On my bank bill pay app ( XXXX XXXX XXXX Bank ), I promptly changed the address to send the payment as outlined in the notification letter. 
Everything was fine until late XXXX XXXX  when I received a letter from NewRez, LLC that my XXXX payment was late and they were charging me a late fee in the amount of {$110.00}. I called NewRez on XX/XX/XXXX to complain about the late charge, and was told that the late charge would be waived. The manager on the phone, XXXX  XXXX, tried to convince me to establish direct auto-pay with my bank, which I declined. Nothing was mentioned in the phone call about processing issues at NewRez. 

I've had this mortgage since XXXX, thru various servicers, and have consistently sent payment from my bank to arrive between the XXXX and the XXXX of the month. My XXXX score is XXXX and I've no recollection of ever having a late mortgage payment. 

NewRez then charged me a late fee for the XXXX payment {$100.00}, which is still active. In late XXXX, NewRez sent me correspondence that I was entering the wrong account number on my check payments. 

My complaint is the complete lack of communication regarding an account number change from either the previous servicer ( XXXX XXXX ) or New Rez, LLC until after 2 late charges were posted, with one still in effect. I have correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no mention of an account number issue being conveyed. 

Note the similarities in the account numbers from XXXX XXXX and NewRez LLC : XXXX XXXX : # XXXX NewRez LLC : # XXXX The first 2 numbers and last 3 numbers of the dual 10 number accounts are identical. Without notification of the account number change, it is dubious for the servicer to expect the slight change to be noticed, and I continue to dispute the late charge NewRez is trying to assess. Note that I changed the account number on my bank Bill Pay as soon as I was notified by NewRez LLC that the account number on the checks was incorrect. 

Additionally, the table below shows when my financial institution ( XXXX XXXX XXXXXXXX XXXX  ) reflects delivery of the payments, and the date in which they were cashed starting in XX/XX/XXXX and as recent as today, XXXX XXXX : Bank record - Arrival Date Bank record - Debit Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Note that in good faith, I have been accelerating arrival dates due to the slow processing by NewRez LLC. 

For reference, I've also submitted a complaint with the State of MN Attorney General 's office, RE : XXXX XXXX : XXXX
Consumer complaint received 2024-07-23
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. (MI)

After checking my consumer report this morning I found an unauthorized collection account being reported on my credit by a company name XXXX XXXX XXXX. I have no knowledge of doing any business or transaction with this company. This company is fradulently furnishing false information that was never confirmed by me and I never gave permission to. These actions are not fair or accurate and is ultimately an invasion of my privacy. The consumer agencies XXXX Transunion as well as the company XXXX XXXX XXXX are all committing identity theft by using my private non public personal information with my consent.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They have revered a dispute with taking an amount twice and have approved it to be back into my account and its been two weeks and my account has over drawn they have changed my claims where I cant receive my temporary credit until the investigation is happening this against all banking regulations and police and I feel discriminated
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I requested to close my credit card account on XX/XX/XXXX, and to be refunded for the annual membership fee of XXXX assessed on XX/XX/XXXX statement. I was asked to pay the balance in full of XXXX, and I did so over the phone with Employee XXXX. I was given confirmation code XXXX as confirmation of my account payment in full with card cancellation request and refund of Capital one XXXX XXXX of {$150.00}. 

Since the representative did not realize my account could not close until AFTER my XX/XX/XXXX merchant dispute with XXXX XXXX for XXXX was resolved, she gave me her reassurance that I would get refunded the {$150.00} membership fee since I called in to Capital One to close my account on XX/XX/XXXX, which was well within the 40 day policy written on the back of the Capital One statement. 

I called again to check the status of the dispute on XX/XX/XXXX and spoke with XXXX and she said the dispute was not resolved yet but she could close the account anyhow, unlike what the first representative had told me. She said I should not have a problem since the first representative noted the day I called in to close the account, and I would hear back from a Caseworker in XXXX to 10 days via a phone call. 

I called back on XX/XX/XXXX since I never heard from XXXX and I was informed by Supervisor XXXX, that a Capone rep had called me but was unable to reach me and did not leave a message. They were calling to say that Capital One declined to approve refunding the {$150.00} annual membership fee. I confirmed that no letter was forthcoming regarding this decision. She agreed that the billing statement section regarding " How to avoid Membership Fee '' was to request to non renew the card in " fewer than 40 days '' after date of assessment and to close the account. XXXX could see my request to close account was timely and there was no explanation for Capital One 's denial.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

I've tried repeatedly to address the unauthorized inquiries on my consumer report without success. These inquiries are completely unrelated to me and not my responsibility. They've caused me significant emotional and financial hardship. As an identity theft victim, I may need to resort to legal action if this isn't resolved properly. These false and fraudulent entries have prevented me from purchasing my ideal home and adequately providing for my family. The negative impact on my financial situation has been considerable. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) explaining this issue and requesting resolution.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

Additional information regarding complaint # XXXX. 
Identity Theft XXXX XXXX XXXX XXXX, XXXX I met with local Chase Branch Vice President, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX 
I showed XXXX XXXX all the emails and transcripts I received from Chase. XXXX XXXX tagged them all as XXXX and confirmed none of the emails or phone # 's belong to Chase. Attached are the documents XXXX XXXX Chase XXXX XXXX tagged as Fraudulent. And still Chase is saying the charge on my Chase credit card is Valid. 

I also provided documentation that Chase had a critical Data Breach in XXXX. 
I also provided documentation showing XXXX sues JPMorgan Chase over alleged XXXX after account was hacked ( case # XXXX ). Chase failed to investigate unauthorized transactions and falsely determined that no error had occurred. 
I informed XXXX XXXX that is exactly what has happened to me. 

I have also attached a document Detective XXXX XXXX sent me stating that XXXX confirmed the email the Fraudsters were using does Not even exist.
Consumer complaint received 2024-07-24
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. (CA)

Greetings! There are two unknown hard inquiries that have shown up on my personal credit report in the past week that were not initiated by me personally. I do not recognize these inquiries and they are fraudulently reporting on my credit report which is causing damage to my personal life.