davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (MI)

n accordance with the Fair Credit Reporting act XXXXXXXX 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 2023-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG HOLDINGS INC (IL)

XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't XXXX know of it until it showed up on my credit report
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TN)

Used Financing through T.D. Bank in order to take advantage of a buy one get one free deal on a pair of phones XXXX was selling directly. There was a special incentive to use " their '' financing option which I took.

Upon making the purchase I entered my banking account information ( which they can verify the date at which I did ). At that time I paid an initial down payment and setup Auto-draft payments.. or so I thought. 

A few months later when the free interest option was / is going to expire ( XX/XX/XXXX ) I logged into the T.D. Banking portal to check the balance in order to pay the phone off. I discovered there to be almost 300 dollars in additional " late payment fees ''. 

I called and spoke to several representatives about paying the phone off minus the incurred fees since I had not received any communication via email as I signed up for the paperless option. They said they send letters in the mail none of which we have received.

We did not receive anywhere near a responsible amount of communication letting us know something was wrong with our account from T.D. Bank. They had added tons of fees as well as already reported to a collection agency which hurts my credit.

When speaking with agents at T.D. Bank they are completely dismissive and act as if a communication error could have never occurred on their part.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AL)

On or around XX/XX/2023, I called to report an issue with my business account XXXX XXXX XXXX XXXX that has been ongoing on my account with a feature I have with Chase Bank called Over draft assist. Ultimately the rep stated the fees were to be credited back within a few hours. A few days later I was charged additional overdraft fees due to the agent not crediting the account as stated. I spoke with a supervisor named XXXX and she reversed the additional fees but stated she could not reverse the original fees that was promised. She stated she could submit a complaint and ask for a call review for the call that was originally taken with the first agent to confirm what he said. She stated that someone will call me back with 3-5 business days. I left off the call expecting that. 

Because all the failed promise the account went into a snowball effect causing more overdrafts. 

Now on XX/XX/2023 around XXXX, I still haven't received the call and decided to call. I spoke with a supervisor by the name of XXXX. We spoke about the issue and he stated to me that basically that XXXX noted the account and never placed a request for a call review like she stated she would. Now I'm left off two phone calls expecting a resolution of what the agents stated they were going to do and failed to do.
Consumer complaint received 2017-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (ID)

We have our home loan with The Money Source. Starting on the XXXX of every month they call repeatedly, almost everyday asking for us to make a payment. The last time my husband spoke with them he told them that the payment would be made on the XXXX. Today is the XXXX and not only did they call him this morning, early, but they callled his place of work asking to speak with him. My husband has told them numerous times to not call during the time he is working and they continue, he has asked them to not call him at work and yet this is the third time they have contacted him at work. They have been very unprofessional when he asks them to not call during the time he is at work. He asks them to stop calling he will pay on a certain day and they continue to call. They refuse to speak with me personal, for I am not on the loan and tell my husband that will send a " third party '' paper where I can be listed as a contact and we have yet to receive the paper they reference but we get all of communications from this company.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.
Consumer complaint received 2023-10-27
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: U.S. BANCORP (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Document Attached shows the account that should be reporting to my TransUnion credit report and also listed below. 


XXXX XXXX Account ending in XXXX
Consumer complaint received 2023-06-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a XXXX from XX/XX/XXXX I just received corrected XXXX dated XX/XX/XXXX Previous complaint regarding a duplicate deferral that was added to my account was supposedly removed in XXXX yet my interest On my XXXX Did XX/XX/XXXX, is more than it was on the original XX/XX/XXXX interest!!! I received this document via online with no description or definition of why the changes occurred!!! 

You back out my entire accounting for the last year going back to XXXX to find that you are the ones that made the error reposted everything and not posted correctly. I ended up owing more than I did before. I filed the complaint which is impossible if youve removed the deferral.! I do not need a XXXX ton of documents. Ive already received from you. I need a letter describing why these things are in detail.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TN)

I was contacted about a debt owed to XXXX XXXX for {$160.00} by Sunrise Credit Services , Inc. of XXXX XXXX XXXX, XXXX, XXXX XXXX. I agreed to pay {$20.00} monthly by auto draft. The payments were taken for three months totaling {$60.00} and then on XX/XX/year> I made a lump sum payment of {$100.00} to pay the debt in full. On XX/XX/year> the company processed another payment for {$20.00}. I contacted them on the overpayment and the agent said that was my fault for not notifying them of the payment made even though they showed the payment and a XXXX balance. I asked where I was told to notify them and the agent raised his voice and said he was disconnecting the phone. I told him before he did that to connect me to a Supervisor he put me on hold 15 minutes and came back stating the supervisors were in a meeting and hung up. I need this company checked for practices and the refund of the overpayment and written notice that XXXX and all credit reporting agencies have been notified of the payment in full paid as agreed.
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CT)

I am applying for a loan modification with the VA and with Loan Depot. When my application was approved for the modification process with the VA. I was told on two separate occasions that I did not need to make any payments towards my mortgage until XXXX 2023. I spoke to 2 different people. One was a man and the other a women. Both advised me that I did not need to make any payments. I listened to their advice. 

Today XX/XX/2023, I spoke to a representation from Loan Depot to make my loan payment. I was told by her that I should have been making payments and that the information that was given to me was incorrect and that Loan Depot did not train their representatives well enough. I am behind on my mortgage XXXX due to the information that was provided to me by loan depot representatives. Is there anything that can be done about this?
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a complaint against XXXX XXXX for their refusal to delete inaccurate information from my consumer report. This has been a frustrating ordeal as both the creditor and TransUnion have consistently failed to provide any substantial information despite repeated attempts to rectify the situation. I am deeply concerned that this behavior demonstrates a blatant disregard for consumer protection laws. 

I have diligently reached out to TransUnion and XXXX XXXX regarding the inaccuracies in my consumer report. Despite the legal obligation to investigate and correct any inaccurate information, both parties have consistently refused to comply. This flagrant violation of consumer law has caused extensive frustration and financial harm. 

I strongly believe that it is within your jurisdiction to thoroughly investigate this matter and ensure that XXXX XXXX adheres to the mandated consumer protection regulations. It is imperative that appropriate enforcement actions are taken to rectify this issue promptly and prevent any further harm to consumers. 

I kindly request that you conduct a thorough investigation into the practices of XXXX XXXX and take the necessary steps to address this matter. I firmly believe that it is essential to uphold our consumer rights and hold companies accountable for their actions. 

I appreciate your attention to this matter and your dedication to safeguarding the rights of consumers. Should you require any additional information or supporting evidence, please do not hesitate to contact me. I look forward to a prompt resolution to this dispute. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Management Services, Inc. (CA)

- XX/XX/XXXX, I received a collection notice from Account Management Services ( AMS ) in behalf of XXXX XXXX XXXX. 
- Reached out to XXXX XXXX - Account XXXX on file, to explain that the amount claimed on the collection is already paid even before the collection letter date. Requested details of the collection amount for verification. 
- On XX/XX/XXXX, details of the account based on an invoice copy was sent to me. 
- Spoke with Account XXXX again to state that the account in question have been settled. We agreed for me to send proof of payment. 
- On XX/XX/XXXX, email was sent to XXXX with the attached copy of the checks paid, which totals the complete amount stated in the collection. Also submitted a copy of the the last invoice showing proof of that the full amount has been cleared as of XX/XX/XXXX. 
- Since XX/XX/XXXX until XX/XX/XXXX, no further communication was made to the contrary from XXXX invalidating my submitted documentation or seeking further documentation or seeking for payment for any unpaid collection. 
- Furthermore, succeeding invoices from XXXX XXXX likewise shows no balance reflecting the amount being collected. 
- On XX/XX/XXXX, I receive a collection letter from AMS seeking payment for the same amount that was already been established as paid more than 3 years ago. 
- I called up AMS to seek clarification and initial spoke with a certain XXXX who was covering for XXXX XXXX, reported that XXXX is not in the office and will not return until Tuesday - XX/XX/XXXX. He suggested that I call again on Tuesday. 
- About XXXX after speaking with XXXX, XXXX called me up at around XXXXXXXX XXXX. 
- I asked XXXX for clarification on the collection letter once again. 
- She claims that I have not paid that amount and insist that the amount was for a different or new billing invoice. 
- I asked for details of the " new '' bill they claim I have incurred, but she is unable to provide me the details. 
- I have not used the services of XXXX XXXX XXXX since XXXX as I have move to a different service provider and would like to validate the claim on the new bill. 
- Despite my failed attempt to understand what I was being requested to pay, I decide to formalize my request by registered mail on XX/XX/XXXX. 
- I also emailed the same request to XXXX XXXX - Account XXXX in charge. 
- Little did I know that the account have already been reported to the credit bureaus. 
- I filed a dispute against XXXX through XXXX on XX/XX/XXXX for failure to provide me with details of the account being collected as well as the lack of communication and transparency to sincerely resolve the issue. 
- My rights under the Fair Debt Collection Practices Act ( FDCPA ) was completely ignored. 
- My credit score have been unfairly impacted by the shady business practice of XXXX.
Consumer complaint received 2024-03-29
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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (IN)

We have attempted multiple times to contact M & T Bank mortgage servicing ( XXXX ) regarding a claim check in which their name was put on it by our Insurance Company, XXXX  XXXX XXXX. In the attempts in which I have spoken to someone we have received many different responses, 1 ) we find your mortgage paid in full so you need to contact our customer service department and request a mortgage clause letter so that it releases our name fro the check 2 ) we found that your mortgage was transferred and we have no further information so we can not release our name at this time 3 ) Per representative, I can not find a mortgage with you as lender so I will need to request an investigation which an take 15 days, and someone will be in contact with you at completion of investigation. 

Now here 's the issue, we have not ever had a mortgage with this company and have no idea how they have ended up on a insurance claim check. I have contacted the insurance company and their response is they receive this information from a third party fax machine in their office and without investigating or asking client they just add company to the policies. 

It would be helpful to get to the bottom of this issue so that we could claim the check and get it reissued. Thank You for this consideration
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (PA)

XXXX I advised Chase Auto Finace to XXXX XXXX XXXX. On XXXX Chase Auto Finance put in a Order To Repossess my personal property ( The Vehicle ) in which was assigned to XXXX XXXX XXXX XXXX, Signed by XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX illegally seized my personal property ( The Vehicle ) without my consent. This company told me to schedule an appointment in order to get my personal belongs, before I could do that they instructed me to turn over the keys to ( The Vehicle ). I filed a poilice report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for stolen vehicle. On XXXX I went to the LOT where ( The Vehicle ) was held, Called the local police department in that area to retrieve my personal property, then I was told by XXXX XXXX XXXX XXXX it was an Order To Repossess in place on my personal property ( The Vehicle ). I also found out that knowingly and willingly these compianies conspired these unlawful acts against me. Both companies was aware of the 1st XXXX XXXX XXXX ordered and continued to proceed with unlawful acts. I will incude a peronalized letter, picture proof of the fraudulent act, the first initial XXXX XXXX XXXX order, and ATTEMPT TO COLLECT A DEBT FORM.