davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. XXXX need to Remove info off my credit report by law. This account is inaccurate.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I enrolled with a debt settlement company  XXXX . One of the accounts was a Bank of Ame rica ( BofA ) credit card debt.  XXXX  of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to BofA w ere initiated  XXXX / XXXX / XXXX  and followed on  XXXX / XXXX / XXXX ,  XXXX , and  XXXX . I received a piece of mail from a law firm in  XXXX   XXXX , AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of BofA. I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  BofA  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  BofA and c ould not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximatel y 30 min  after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by BofA, through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there may be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Consumer complaint received 2023-04-25
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. (GA)

On XX/XX/XXXX I sent a letter via certified mail to TransUnion requesting method of verification for the XXXX bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX TransUnion sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all XXXX bankruptcies. On XX/XX/XXXX I received the investigation results which deleted # XXXX and only updated ( not verified ) # XXXX. I have received no response regarding # XXXX & XXXX.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I withdrew {$190.00} from XXXX XXXX XXXX XXXX XXXX, NV. I needed to go to casino to collect the funds I withdrew from my Chase bank account. I decided not to get the funds from casino and went home. Usually, casinos will refund the fund within XXXX hours. However, I noticed my account has not been credited. so I contacted XXXX XXXX  and asked what was the status of my credit. The supervisor cashier casino stated it will take XXXX business days to refund the money back to my account. On XXXX I contacted Chase bank and explained the situation, the customer service rep gave me a temporary credit until the funds come back to my account. on XX/XX/XXXX I noticed Chase reversed my credit, according to Chase XXXX  needed receipt to show that this transaction occurred at the casino. I went back to XXXX XXXX  regarding visa 's request. They stated that since there is no transaction, they have nothing to provide for XXXX to verify that I did not collect the funds. They suggested I contact XXXX ( ATM machine ) and ask for copy of the transaction. I contacted XXXX they email me a receipt of transaction and I faxed the copy to Chase bank. On XX/XX/XXXX I received yet another credit from Chase due to the fact I have proof that the transaction occurred, and I never collected the funds from the casino. I thought the situation was resolved, when again Chase debited my account for {$190.00} on XX/XX/XXXX. On XX/XX/XXXX I called Chase once again, and spoke with XXXX manager at claims dept and she stated that Chase can do nothing because XXXX XXXX stated that the funds were credit to me and there is nothing they can do too bad your out of funds. I was frustrated and stated this is a fraud and you need to investigate the matter. XXXX with Chase bank state she can not do anything and the matter has been resolved on there end. Now i'm out of {$190.00} and they refuse to help me get my credit back from the merchant.
Consumer complaint received 2023-09-08
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2017-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. 
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. 
This information was auto saved on my computer for easier access. 
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. 
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. 
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. 
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (WA)

I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc. (NY)

I had a Dispute with XXXX XXXX XXXX and the owner is named Ms. XXXX XXXX. I removed my child from the Program. 

However, Ms. XXXX XXXX claimed that I still owed her for the upcoming month that my child would not be in attendance. 

I filed action against her in the Civil Court of New York , County of XXXX and won a " Notice of Judgement '' Index # XXXX in the amount of {$330.00}. She was also notified of this judgement by the courts. 

However, she sent a false amount that I owe her to a crooked collection agency named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX  http : XXXX  Email this Business ( XXXX ) XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to dispute several accounts listed on my credit report, which are the result of identity theft. These accounts are not associated with me, and I am formally disputing this fraudulent information. I have already notified the respective companies about this fraudulent activity. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : DIVERSIFIED ADJUSTMENT ( XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Applied for loan with USAA ; was denied loan XX/XX/2023 because of XXXX score 1 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; 2 ) Too many inquiries in last 12 months ; 3 ) Time since most recent account opening is too short ; 4 ) Amount owed on revolving accounts is too high ; After paying off debt to less than 31 % and increasing credit score to XXXX ; reapplied XX/XX/2023 and was immediately denied again. Letter stated : XXXX ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high -- at 30 % ; 2 ) Too many inquiries in last 12 months -- curently 4 ; 3 ) Time since most recent account opening is too short -- -over 12 months ; 4 ) Amount owed on revolving accounts is too high ; 30 % Called USAA loan service XXXX XXXX XXXX to get clarity on denial and the rep stated I must call XXXX because they are the reason for the denial and nothing more. She stated could be because I already have a unsecured loan ( never late ) or credit card balance - I stated that is not labeled anywhere you can't apply if you already have an outstanding loan ; didn't know what credit score was acceptable or number of inquiries were acceptable ; Credit cards are {$0.00} with USAA and stated that could also be reason for denial. Stated it was based on XXXX credit report. I stated without basic qualifications or even a credit score, how can you know if a person is qualified as XXXX just provides the information you use to review to make a decision. Feel this is discrimination if you can't provide details on why my loan was not approved and someone else was.. still waiting on call back from resolution team.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

A company called LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted LVNV again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

Barclays collection firm, XXXX XXXX  XXXX : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with Barclays and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from Barclays. This notification from the collection agency, XXXX XXXX XXXX is the first I've heard about it. In XX/XX/2023, I returned XXXX XXXX XXXX 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (LA)

My Mortgage payments were suspended during the covid crisis. I was told my payments missed would be made up at the end of my mortgage term. When I began making payments again those payments were returned to me, and I was placed in to foreclosure and I had to file bancutcy to protect my home. I'm currently paying my mortgage under the terms of the bancruptcy. But I want to dismiss my bankruptcy and have Wells fargo honor the agrreement under the CARE act. The only offfer Wells fargo Made to me was to do a short sale on the house which forced my into bankruptcy protection.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.