davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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: Amsher Collection Services, Inc. (TX)

On Wednesday XX/XX/2023, I received a text message from " AmSher '' a debt collector stating that I recently received a letter. I called right away, stating that I never received a letter and was unsure what they were referring too. She proceeded to tell me they mailed a letter, and gave me an address that was not mine and I stated that was not my address. She then asked if I had lived at a XXXX  XXXX, and I clearly told her I did not. She then stated she was going to open a dispute. Fast forward to XX/XX/XXXX, I receive a notice from my credit monitoring account that AmSher placed the account in collections, when I was yet to receive a letter initially or even the status of her " dispute ''. And my mailing address is up to date and all my mail is being forwarded.
Consumer complaint received 2023-10-10
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: Reliable Credit Association, Inc. (OR)

I didnt authorize any or these inquiries : 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 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
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

1. COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX XXXX XXXX XXXX, WA XXXX ) contacted me about unpaid rent to XXXX 4 years after I left the apartment. This was added as a derogatory mark to my credit report. 

2. I requested proof. Columbia provided me a ledger from XXXX saying that I had not paid rent for XX/XX/XXXX to XX/XX/XXXX. I was not occupying the residence at this time, and did not consent to these charges. My signed lease with XXXX ended on XX/XX/XXXX. On XX/XX/XXXX I had moved into a new residence, managed by XXXX XXXX. I've attached the XXXX XXXX, XXXX XXXX, and XXXX lease as proof. 

3. XX/XX/XXXX - I filed a dispute with XXXX, XXXX, and XXXX to have this removed from my credit report. They did not remove it, even though I provided proof, saying that Columbia had validated the debt. The proof that Columbia is using, is invalid. They are charging me for a week of rent that I never signed for or agreed to. 

XXXX. XX/XX/XXXX - Columbia debt recovery saying that they would investigate the case and asked that I provide proof that I was living in another residence XX/XX/XXXX to XX/XX/XXXX. I provided them with the lease from my new residence at that time - XXXX  XXXX XXXX. 

5. Columbia never reached back out to me regarding resolution.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (IL)

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my Transunion or XXXX. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NC)

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did a pre-qualified app with XXXX on XX/XX/2023 which was advertised as a soft pull only, but took XXXX points off my credit report as a hard pull. I never followed thru with application. I was pre-approved but never pulled the trigger to get the credit card.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (OH)

LVNV funding has been illegally trying to collect from me in a state in which they are not registered. They have also given my personal private information to two other agencies trying to collect for the same alleged debt. XXXX XXXX XXXX as well as XXXX XXXX. LVNV as the other two agencies are trying to collect in the amount of {$620.00} which is incorrect. They are not licensed in the state of Ohio. The two companies listed also have not sent proper notices instead they demand conststly that i pay and also states once i make my payments in full they will ONLY remove and apply it to LVNV but not the original creditor which is XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (CA)

My mortgage on my house with ServiceMac has continuously increased over the last two years and is getting out of control. It started at {$1900.00} a month and is now at {$2500.00} a month. The house is worth enough now that PMI should be dropped, but they've refused to drop the PMI. My mortgage has only gone down by {$10000.00} in the last two years, which doesn't make sense with all of the payments I've made. My interest rate is only 3.13 %. It is a fixed rate. I did not do a temporary rate buy down, or anything like that.
Consumer complaint received 2023-08-29
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. (PA)

I have received several fictitious attempts from several companies attempting to illegally collect debt, and I believe Resurgent in another such company. 

I received a collection letter from Resurgent Capital Services regarding a debt. 

Via certified XXXX mail, I requested validation of the debt. 

The only items Resurgent replied with was computer generated invoice type paperwork, and never provided competent proof or evidence that I had any contractual obligation to provide payment to Resurgent.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit report shows a collection from your firm, Capitol One. Furthermore, I do not feel this debt is accurate. I have the right to request and get debt validation UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. As a result, you have failed to provide proper validation for this debt. Under distress I was forced to pay for this, but after settlement I discovered this is not my debt. Also, you have committed the following FDCPA Violation:15 U.S. Code? 1692d-Harassment and abuse A debt may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation by reporting a false debt.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with this company that had a due date of XX/XX/2024. On that date I made a payment to that card well before the time of XXXX XX/XX/2024. Despite me making that payment on the due date the payment processed on XX/XX/XXXX which incurred a past due fee. Noting this error I contacted customer service to try and fix this immediately. I was advised by the rep to call back tomorrow ( XX/XX/XXXX ) when the actual fee occurs to get it removed. 

I called the next day as advised and the rep and the supervisor told me they were unable to remove the fee. When asked why they just said the system won't allow it and it had no reason to deny me the reversal. I asked if I can have any information ( an email, phone number ) with a higher rep to discuss this because this late fee was unwarranted and the supervisor refused to do so.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (MA)

Where to start with UWM ( United Wholesale Mortgage ). I have been trying to remove PMI on my mortgage for over a year! 

No one at UWM can provide in writing when my PMI officially gets removed - huge red flag. I have asked for it in writing or else I am seeking legal help. I received three different answers over the phone about when my PMI gets removed - 80 % LTV, 78 % LTV, 75 % LTV, but nothing in writing. Sound sketchy? Yes. 

UWM provided me an updated appraisal on the property through which shows a new appraised value of $ XXXX. My unpaid principal is $ XXXX. That means LTV of 75.2 %. UWM states on their website that PMI is automatically removed at 78 % LTV! Why wasnt mine removed? One representative claims XXXX XXXX- the investor- has set the LTV for PMI removal on my loan at 75 %. Hmm, I highly doubt that. 

The next time I called in, the representative informed me that my LTV is 82.5 % and my homes value is actually $ XXXX, not $ XXXX. And why is that? According to UWM, I did not receive an updated appraisal to $ XXXX, I simply received a brokers opinion which I paid {$300.00} for at the time!!! And they can no longer honor the $ XXXX appraised value, they need to go back $ XXXX value moving forward unless I pay another {$300.00} for a new appraisal. Scam artists! 

I could keep telling you more stories, but all in all am getting the run around by UWM, who desperately does not want to remove PMI on my loan. I have official written records showing that UWM provided an appraisal for $ XXXX and my unpaid principle is $ XXXX. Per UWMs website, any LTV under 78 % gets PMI automatically removed. As such, I have been paying unnecessary PMI for MONTHS since I am at 75.2 % LTV.

Since I keep getting different answers and excuses, many red flags are being raised. UWM also will not send me the legal language on my mortgage about when the PMI gets officially removed. They just keep changing the requirements every time I call in to remove it. 

Please help me, I have a wife and a XXXX XXXX XXXX daughter and I just want to be treated fairly as a customer.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX weeks ago capital one bank sent me an email stating they would close my account given I did not abide by their policies. The email stated any remaining balance would be transferred within XXXX business days to an external account. It has been XXXX weeks ( since XX/XX/year> ) and this bank is now holding frozen my XXXX payroll checks. I am unable to withdraw them to pay bills, gas, groceries, survive. I need help before I become homeless and unemployed. I need help please.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I have sent Mr. Cooper 9 mortgage payments online, with proof of my bank statement that payments were sent and they said they have not received any of my payments. They investigated this case for 4 months with no resolution and no reimbursement.
Consumer complaint received 2023-12-17
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. (OH)

I received a notice that there was a hard inquiry to my credit report by XXXX. I have not applied for any type of credit card or loan through XXXX XXXX. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??
Consumer complaint received 2024-05-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

no contract This account is a direct violation of the FCRA and is inaccurate and invalid. it has not been verified or validated and need to be removed from my credit report. Did debt meet the staute of limitations in the state of Florida, no contract was sent to me by this company for debt to be collect before putting inaccurate information on my credit report. 

Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX  XXXX Past Due {$1300.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Credit Services Inc. (FL)

Fraudulent account never authorized. 
I am trying to pre-qualify for the purchase of a home, and according to the law, there shouldnt be any defamation of character on my credit report or inaccuracies. This account is fraudulent, not mine, and is damaging my reputation as a consumer, which is enforceable by 15 USC and 1681g. ''
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

On XXXX I transferred {$10000.00} into my EdFinancial student loans. Edfinancial transferred all loan customers to a new website. After transfer to the new website, {$10000.00} that was transferred was deducted from my husband 's bank account but not accounted for on the new website. I have called them once I realized their error. Firstly, they had no awareness about the error. If I was not paying attention to my pre-transfer and post-transfer total loan, then it would not have been caught. I started contacting them in early XXXX first or second week. Each time of contact, I have been given multiple estimated dates and reassurances that it will be fixed. I have sent multiple messages and called several times since then for updates. It has been more than 60 days since my early phone calls with no resolution and no guarantee of resolution. I will speak with supervisor tomorrow. However, even if I speak with them, I am unsure if they will correct the issue or continue to tell me to be patient and wait again with no reassurance it will be fixed.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX at XXXX, my XXXX XXXX XXXX was repossessed without my knowledge. I was not told beforehand after I made a payment on XX/XX/XXXX. When, I called in regards to the matter, was told that I had to pay {$2000.00} to retrieve vehicle. This included {$680.00} for towing fee and storage fee. I was, also, told that there was no record of my payment of {$250.00} on XX/XX/XXXX and that I was several months behind, although, I've been on a " every XXXX weeks '' payment plan and have record of payments made through several accounts. This was after my contract was illegally sold to a debt collector, although my contract wasn't in default when sold.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

This is the complaint i filed on Barclay American Airlines Aviator Card customer complaint online form. 

Your automated calls have been calling me since last month XX/XX/2023 telling me my account is late and past due and it happened again this month XX/XX/2023, my account is current and up to date and your system is incorrect. I need you to stop making mistakes and causing disruption. Also send to my email that you have corrected your records and all late remarks have been removed from my account via email, as these remarks are false since i've never had a late payment. 

This mistake by Barclay could be affecting my credit in a negative accord.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.
Consumer complaint received 2023-12-17
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help