davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (FL)

Called multiple times after being told not to call as they have the wrong phone number. 

All calls are robocalls/prerecorded messages, but in two different flavors. All represent a company named Superlative RM ( superlativerm.com ) Variation 1 : A message in a mans voice saying this is XXXX from Superlative RM and to call back at XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX Variation 2 : A female robot voice saying to to call Superlative RM and to call back at XXXX. This one references case XXXX. 
XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX They have call previously, but i have deleted those messages. 

I have informed these guys more than once not to call. First time was on XX/XX/XXXX at XXXX. 

They are calling a number that has been mine since XXXX. They must be working off of phone number lists that are more than a decade old. I wish the FCC would go after that stuff too. Example, if the phone number hasn't been validated in 7 years, they are not allowed to call it. And perhaps if one debt collector is alerted of a bad phone number, they should pass that along when a debt is sold.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A car dealership named XXXX ran my credit multiple times without my permission. They have even written a letter showing they were in the wrong and so I sent their letter to every auto loan company on my report, some came back with wrong addresses and others denied my request. I have sent transunion all the information and proof that these hard inquiries need deleted 3 times but yet they do nothing. Per the letter straight from XXXX says they should not have ran these, yet Transunion has failed to take them off.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (SC)

I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC (OH)

On XX/XX/2022 I started receiving calls to my cell from a XXXX number which is not my area code so I did not answer thinking it was spam, also I was at work. It called 3 more times, again I did not answer. At XXXX p.m. someone near my desk answered and a female asked for me when the person who answered said he is not available this woman started to demand I be put on the phone and they better get me now. A bit later that number came across my direct work line and I did not answer it. Then it called my employers main office and demand they put me on the phone. The receptionist said all I can do is take a message. The person said she was XXXX XXXX at XXXX ext. XXXX from Diversified Recovery Bureau , LLC. I came home to numerous calls from the XXXX number being on my home phone. This is all after my attorney gave them a notice. I now have a meeting at my job tomorrow about the incoming calls that happened at my job today. I needed to make this complaint because if something happens to my livelihood I will need this complaint to take further actions towards the individual and the company. This was pure harassment. And there needs to be action taken against this person.
Consumer complaint received 2022-05-23
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. (VA)

I sent a letter on XX/XX/XXXX Tracking number : XXXX, XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Names : XXXX, XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2011 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit card or prepaid 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. (FL)

The XXXX took {$50000.00} of my money across multiple credit cards in 2019, didnt deliver the product or service and have been leading me on for nearly 3 years to resolve it producing false promises to pay me back. The card companies will not help me saying it is out of their allowed time frame but Ive been trying to fight it for nearly 3 years.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid 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. (NY)

On or about XXXX XXXX, XXXX I was solicited with an offer for a XXXX night stay at a XXXX XXXX XXXX in exchange for listening to a XXXX XXXX hour timeshare presentation based on interest. To confirm this deal they charged my credit card {$270.00} that was to be returned to me in cash when the presentation is completed. They confirmation e-mail after payment was made for this deal stated " approximately '' XXXX to XXXX hours. 
This stay took place XXXX. The presentation was on XX/XX/XXXX started at approximately XXXX am. During this presentation an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took me a golf cart ride around the very large estate of XXXX XXXX XXXX. At XXXX a.m. we were nowhere near the starting point where my car was parked. When I asked for the presentation to end and be brought back I was told I must continue for at least another XXXX minutes because he did not finish closing me and he refused to return me back to my car, refund my {$270.00} and then they even billed me for the XXXX nights! Even according to XXXX XXXX XXXX XXXX XXXX inaccurate records I was there for over an hour which should still be enough to qualify. 

When I contested this with the credit card company XXXX XXXX XXXX ( Chase ) they decided I was responsible to pay. I didn't find out until later that turns out that XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have a business arrangement with each other and XXXX can not possibly be a honest entity to decide if their business partner has been dishonest in their business dealings. XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  ) I would like to point out I have a very long history of paying all my bills on-time and in full. My score was in XXXX 's where in belongs before this incident. I continue to pay 100 % of all my other purchases with all my credit cards.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CO)

I received a Report of Available Funds from a company called JFQ Lending , Inc. that looks very much like an official state document, with a file number linked to my state, urging me to respond by a deadline. The fine print notes this is an advertisement but the document will likely fool and defraud many consumers. This is deceptive advertising.
Consumer complaint received 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

My wife ( XXXX XXXX ) and I were advised by our service in 2006 to do a spousal consolidation loan. This was a mere three months before the FFELP program was discontinued by the Dept of Ed. 

We have been working to repay our loans since then, going in and out of forbearance. However three years ago we discovered, through working with a student loan attorney, that out FFELP loans are in a legal limbo. They are ineligible for IBR, PSLF, or any potential loan forgiveness programs. This is because when the FFELP program was discontinued, no legal options were legislated for those of us still holding these loans.

The FFELP constitutes around 80 % of our total student loan debt. My wife and I have both XXXX XXXX XXXX XXXX XXXX for 10+ years, but the FFELP loans can not be forgiven.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (FL)

I received collection letter with {$99.00}, after my final balance letter from my old apartment complex XXXX XXXX, XXXX, FL, was mailed to me indicating that I have XXXX balance. I mailed a dispute letter and included a proof about my final statement saying my balance is XXXX. still they are trying to collect this amount without providing any evidence why I am being charged.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (GA)

On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CA)

I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. 

I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. 

The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. 

I am convinced this is a scam
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I disputed this Bankruptcy with Experian because this is not my filing. I called the Courthouse, ask how they verify bankruptcies thats do n't belong to you with the credit bureaus. They said candidly they do n't verify any information with third parties and the credit bureaus do n't have any true methods besides pulling a public records search to the address on my file. I have a family member that may have did it but Im not sure but I know its not mine. They are maliciously trying to destroy my financial creditability for no fault of my own.AS PROOF XXXX HAS DELETED IT ACKNOWLEDGING THEIR ERROR.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

During the COVID-19 me, my wife lost our jobs so we had a hard time paying. They advised us to go into forbearance so we did in a process trying to find a best career that pays the best money so I became a XXXX XXXX and I created a XXXX business but Wife is now working at a XXXX XXXX and we have a XXXX year old girl I was explaining to the to the bank, citizens bank about a hardship, and how I can pay the mortgage I apply for the loan modification they dragged it out for two years they would not except any payments or partial payments. When I even had the money now the loan is over 30 % of the loan they said I never knew that so they were denied my loan modification. They keep telling me. Oh yeah, were going to help they the lies.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.