davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

REF : XXXX XXXX ATTN : LOSS MITIGATION DEPT LOANCARE XXXX XXXX, VA XXXX LOAN # XXXX PHONE # XXXX HELLO CFPB, SORRY TO BOTHER, BUT I HAVE BEEN/DONE THRU 2 OTHER MODIFICATIONS IN MY PAST 2 HOMES DUE TO STATE WEATHER DISASTERS. I CAN SAY THEY WERE THE EASIEST PROCESS I HAVE BEEN THRU. 

FOR SOME REASON, THIS MODIFICATION DUE TO MY BATTLE WITH COVID AND JOB RELATED, HAS BEEN A PAIN 100 %. 

FIRST I HAVE ATTACHED A FED PACKAGE THAT I JUST GOT ON XX/XX/2021 BUT PAPERWORK DATED XX/XX/2021. I HAVE MADE THE MORTGAGE COMPANY KNOW MULT. TIMES THAT I HAVE BEEN RECEIVING MAIL FROM THEM 20-30 DAYS FROM THE LETTER DATE. SO LACK OF MAIL COMMUNICATION IS POOR. 

SECOND, I HAVE TRIED TOO MANY TIMES CALLING THE ASSIGNED AGENT WITH SOME EXT NUMBER. THAT IS FALSE AND DOES NOT WORK AT ALL. TRYING TO CALL SOMEONE AT, IT TAKES OVER 1 HOUR EACH TIME. I HAVE TRIED FIRST AM AND LATE PM. NO LUCK. IT WILL TAKE OVER 1 HR ON THE LINE.

THIRD, AND LAST. I HAVE LIKE I SAID, I HAVE BEEN THRU 2 OTHER MODIFICATION AND UNDERSTAND THEM 100 %. I TRIED TO CONTACT AND SPEAK TO A AGENT BY THE NAME OF XXXX, BUT SHE WAS CLUELESS ON THE PAPERWORK I GOT. SHE SAID THAT SOMEONE FROM THE MODIFICATION DEPT WILL BE CALLING ME. 

WHY I AM CALLING FOR HELP! 

WHERE ARE THEY GETTING CURRENT PAYMENTS ARE {$1700.00} FROM? IF MY CURRENT PAYMENTS ARE {$1600.00} SINCE DAY 1? 

WHAT IS {$83.00} CHARGE ON EACH STATEMENT COMING FROM? 
( BECAUSE DURING FORBEARANCE, MORTG DO NOT CHARGE LATE FEES ) WHERE IS {$2300.00} COMING FROM FROM? 

ALSO MY CURRENT MORTGAGE DOES NOT HAVE ESCROW, WHY ARE THEY TAGGING ON INSURANCE AND ESCROW? 
( MINE ARE PAID UPFRONT AND CURRENT ) HOW DID THEY GET {$2300.00} PAYMENTS ON 480 MONTHS WITH 2.75 %? 
( THAT IS INCORRECT ) ( ( IT SHOULD BE ABOUT {$1200.00} PAYMENTS ) ) I NEED SOMEONE OR EXPERT FROM THE MORTGAGE DEPT TO CALL ME! 

THANK YOU, RC
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have an unauthorized inquiry XXXX XXXX report from XXXX XXXX dated XX/XX/XXXX. I have tried unsuccessfully to get Transitions and XXXX XXXX to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, TransUnion refuses to even open a dispute claiming I need to contact XXXX XXXX ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to XXXX XXXX I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I received a call from XXXX. The caller claimed to be a collections agent from Transworld System. The caller said they were collecting a debt from an address in XXXX Az, XXXX XXXX XXXX XXXX XXXX XXXX. The debt was from unpaid amount total a little over {$100.00}. The caller who said his name was XXXX and that Transworld was the collections agency for Arizona Public Service. He was calling about an outstanding debt stemming from XX/XX/2020. 

He asked if he had called ( my name ). I responded yes, for it is my name. At the conclusion of the conversation I hung up the phone with XXXX, and called XXXX. There was indeed a person with the same name, spelled slightly differently, living at that address, but the person 's information did not match my own. It is a common middle eastern name. That individual had verified themselves via passport. I have never lived in XXXX Az.
Consumer complaint received 2023-09-30
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a statement balance email saying I owed XXXX. Not having made a purchase in over a month, I was surprised to see that the charge was a STATEMENT VARIANCE of XXXX. I never received an explanation from XXXX prior to the aforementioned statement email. I feel that this charge is invalid and inappropriate. I am requesting this issue be resolved. I am overseas until XXXX so I can not go into a store and resolve this directly. The agents I chatted and spoke with were less than helpful.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent a request for my credit report and my score to Experian i sent all documents to tell who I was.There responds was they sent me part of the report the credit score was missing from the report.Then started paying fro the monitoring service to see what was on the report.Then there was information on the report that i disputed and other information that was on the report but could not dispute that was still disputable.Then I wrote to them again to get my score by hard copy they sent the same information again that I already had I wanted my score and the report and information remove from my report that was incorrect i have sent two letters to them about getting my score and item removed for my report.I have made several attempts to get this mater taken care of.Information that is incorrect and missing scores by mail.I have a right to have that information for my own use.Then i think they are messing with my score i check the others scores from XXXX XXXX and XXXX and there is a big difference in those scores and i mean a big difference.I want this problem taken care of.
Consumer complaint received 2022-10-31
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. Im attaching the required FTC Report and my Police Report that I filed on my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: Duvera Billing Services, LLC (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
Consumer complaint received 2024-03-20
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. (PA)

The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by Bank of America due to my card being compromised the refund never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and other fees accrued from this and have stated that they will no longer be investigating the issue.
Consumer complaint received 2024-03-20
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX  Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Harley Davidson Financial Services Inc (CA)

On XX/XX/2016 I purchased a Harley Davidson from XXXX Harley Davidson, with my purchase they had a package for prepaid maintenance service {$1800.00}. I was told at the time of purchase that I just have to call the service department and schedule a appointment they will pick up the bike bring it in for service and drop it off. I have never used the service when I called to receive my services, The service department told me I had to pay {$100.00} for pick up and drop off. I explained to the department I was never told that and they need to honor the contract they would not honor the contract unless i took the bike to the Dealership. when i called management he looked up my information and told me that my plan was expired and they WILL NOT honor the agreement I requested a refund was denied I called my lender Harley Davidson was told nothing they can do I called back to the Dealership was told sorry. This is UNEXCEPTIBLE my bike only has 6200 miles and they should honor or refund my money. They NEVER told me I had only so much time to use it or mileage just that I had 6 services. I did file a Motor company complain ref # XXXX also. HOW are they allowed to sell plans and not honor or refund customers.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (SC)

the collection agency XXXX agreed to delete this account from my report completely once paid ... I paid the {$290.00} even though i did not owe this money..I just wanted to take care of this since it is affecting my credit score ... ..They never deleted it even after our agreement and it being paid in full ... ..This tactic that they used is a violation and i demand that they remove this from my credit report completely now..
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Coinbase is a scam. They do not respond or answer the phone. 

I accidentally flagged my account as compromised and there is no way to reach the company via phone, online ticket or email. They do NOT respond to anything. They will happily take your money and lock you out of your account, never to get back in, thus keeping your money.
Consumer complaint received 2021-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan at XXXX was transferred to Loan Care, another company. When this happened, in XX/XX/XXXX, much of the information was lost. Besides my autopay being cancelled, I went on to LoanCare 's website, and was unable to make my house payment online because of problems with the website. I spent three hours on the phone trying to get a hold of a human being, and was finally able to talk to a human being to make the payment. However, the terms of my loan seem to be missing. I have a HELOC loan ( or had ) a XXXX ARM HELOC at XXXX with the HELOC portion being adjustable. When I go online now, it looks like I have a XXXX rate with no HELOC. The part that I owe that is adjustable seems to rolled into the full amount that is fixed, and at a higher rate than what I should be paying, but it's not clear because this information is missing. When I try to call or send email to support emails to ask and clarify the terms of my loan, nobody responds. I have been waiting since Monday, XX/XX/XXXX, and nobody has responded to answer my questions. When I looked on XXXX for other reviews, it seems many, many other people have had the same issues of not being able to reach anyone. There is no customer service or humans to speak with.
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I filed a dispute with Equifax on XXXX regarding a late payment for XXXX in XX/XX/2019. Equifax opened an investigation XXXX. The confirmation number is XXXX. The investigation was supposed to be completed XXXX. It has been 45 days since the investigation was opened and there is still no resolution. The investigation has not been completed.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
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. (AL)

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-03-16
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. (KY)

i went on line in XX/XX/XXXX and my Transunion had my car loan that i have with XXXX XXXX XXXX, but the problem was that it wasn't showing any of my payments that i made nor any the payment history and also wasn't showing the right balance. so the first thing that i did was call my bank and spoke to XXXX who is over the loans an she said that i am being reported and she didn't know why that Transunion didn't show that so i went on line thru XXXX XXXX  an filed a dispute on XX/XX/21 and as of today i check my email because it said that it was completed so i logged in to my account and they said that Transunion investigated my dispute and DELETED this from my credit report!!! so i called them today and the rep said that yes they deleted it and that i need to have my bank resend and report again on my car loan to them, i told him that they deleted it and need to put it back on so i spoke to a supervisor an he said that they cant delete anything that my bank did, .which is a lie, i told him XXXX has it and also has the correct info an why don't they and he would not help me, the file number that i had with them is XXXX so i called my bank and spoke to XXXX again an she said that they didn't tell them to delete this and that i as of today am still reporting to them. i have never had this happen to me before and i really need help to put this back on my report with them, i still owe {$15000.00} on my car loan and i work very hard to have great credit, could someone please help me with this issue, TransUnion is a nightmare. i am attaching proof of what they said to me, an my phone calls were recorded when i called today with TransUnion, i called them 2 times, first time was at XXXX XXXX spoke to a rep then got transferred to a supervisor and then i called back at XXXX and rep hung up on me. thank you for your help
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery is claiming that I owe a debt, no longer owed. It has been resolved and should be removed from all credit reports. 
Aside from the debt they claim I owe they have used unprofessional language in speaking to me.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (SD)

XXXX XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was XXXX XXXX out of XXXX, ND. 

Another company had me served with the same fake document XXXX for a different debt. The law firm is XXXX XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (AZ)

My XXXX XXXX account was sent to collections ( XXXX ). I made a settlement with XXXX and completed my installments in XXXX. I was told my XXXX account on my credit report would be updated to reflect the debt was settled. As of yesterday, it was not. I disputed. Experian only put my statement on my report and failed to verify with XXXX XXXX that the account was legally settled - so the status of the acoount remains the same. How is this even possible that they leave incorrect information on my report?
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TN)

I received a phone call from Spring Oaks Capital Oaks Capital late XX/XX/XXXX. I requested communication through mail. I received a collection letter XXXX {$8600.00} XXXX dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. Spring Oaks ignored my request and reported the collection to the credit agency.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Per my previous complaint with XXXX XXXX, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.
Consumer complaint received 2021-03-15
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 — Investigation took more than 30 days
Company: Merchants and Medical Credit Corporation, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.