davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (MS)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I completed a dispute however it was not successful. They responded that mail was sent but I was not leaving in the address that was sent to due to XXXX  so I never received the letters. Now I want to rebuild my credit so I can buy a house but due to the Covid 19 im not able to pay the full amount I owe.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (PA)

I had a promotional Cash Back of {$200.00} mailed to me that stated when I spend {$500.00} within 90 days of opening my account I would earn {$200.00}. I had until XX/XX/21 to activate the offer. I called and was approved on XX/XX/XXXX. The bank is now telling me I am only eligible for {$150.00}. I do not feel this is an acceptable business practice. My credit score is over 800. Had I known this bank was going to be deceptive I would have went with a different bank that offered the same cash back.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with Round Point and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
Consumer complaint received 2018-06-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Leopold & Associates, LLC (NY)

Leopold & Associates , PLLC, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, has taken me to court in an attempt to collect a mortgage debt on which the statute of limitation has expired. In the State of New York, the Statute of Limitations is six years from the date of the last payment made. My last payment was made in approximately XXXX. Foreclosure papers were served on me in XX/XX/XXXX so even if we take that date as last payment made, ( which is not possible ) the six year Statute expired in XX/XX/XXXX. 

Leopold has all of the documents, mostly generated by the mortgage servicer, XXXX, that contains the date of my last payment, so they are aware that the six years had expired, yet they knowingly pursued the foreclosure action against me.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I was sent an email at XXXX for a {$300.00} American Express gift card on XX/XX/20. The email directed me to click on a bar to view and print the card - this bar was a bait and switch link that took me to a sign in page that asked for the card number and security code to set up the card. This {$300.00} American Express gift card was paid for and sent to me in good faith by a relative ( order # : XXXX ). 
At XXXX XXXX  on XX/XX/20, I called American Express at XXXX XXXX XXXX and had to press XXXX, and then XXXX to speak to a person - XXXX informed me that I can't view or print the card because I need to troubleshoot my computer and change my browser to XXXX. I asked her to send me the card to my address - she then told me that if I don't switch to XXXX, then I need to have the person who sent the email gift card to fix the problem! 

Note : I had no problem redeeming an XXXX gift card online.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

OnXX/XX/2019 at XXXX my credit card was stolen from my car. I called in to file a claim and lock my card. The thief made a change of around {$250.00} on my card at a Walmart. I disputed this claim right away. Capitol one gave me back the money at the time but shortly after, charged me for the thief 's shopping spree. I made a second claim but after days of disputing i was told to take the product back if i wanted my money back. Obviously as i was robbed, i do not have product to give back. I have video footage of my car being broken into on that day and time. The charges were made roughly an hour after my card was stolen.
Consumer complaint received 2021-10-25
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: CURO Intermediate Holdings (WI)

I have been repeatedly disputing an item on my credit report. I have submitted the bank statements and other information supporting my claim, yet it keeps getting dismissed and am told to contact the company at such and such number. Both phone numbers listed to call are not in service. I asked the credit bureau how this is investigated and was told that they only ask the company that is reporting the information. That cant be correct, is it? In that case, speedy cash owes me a XXXX dollars. On XX/XX/2021 I took out a loan for {$500.00} I paid and have bank statements tha i paid : - {$78.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$65.00} on XX/XX/2021 - {$91.00} on XX/XX/2021 on XX/XX/2021 they put on my credit report that my account was not in good standing and that i was 30 days past due. this dropped my credit score XXXX points. they refuse to fix this mistake. i have recorded phone conversations with a speedy cash rep saying that i have not done anything wrong and my things are paid. I should state also that due to covid i lost my job and called them right away for this not to affect my credit. on XX/XX/2021 I entered a payment arrangement only for the reason of keeping this off my credit. On XX/XX/2021 the defaulted my loan. I have disputed it with the credit bureaus and no luck. I believe that Speedy cash is giving bad information and even the contact information they provide the credit bureau for me to contact is not right. Both phone numbers they provide no not work. Also, after all of those payment plus 2 more since, they still state i owe {$500.00}, my loan was only for {$500.00}. Not sure what math or interest rate they have but it doesnt add up to me
Consumer complaint received 2023-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX  esquires already discharged this inaccurate information I have not seen a hospital for XXXX and why is this still popping back up making it harder for me to buy house this ashame how these companies try to keep you in a whole without any real proof
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020, I logged into my Bank of America account at about XXXX through my cell phone and noticed a withdraw of {$1000.00} at a XXXX XXXX atm located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX in which I did not make! I immediately looked for my bank card thinking perhaps I lost it, but to my surprise, I had not. I immediately called BOA to report fraudulent activity on my account. They proceeded to gather my information about my claim, cancel my bank card and transfer me to the claims department so that I may go through the dispute process. They sent me a new card, advised me to file a police report since the amount was more then {$500.00} and fax it over to them. I did everything I was told to and faxed the information on XX/XX/XXXX. I received my new bank card 2 days after my claim and it worked fine up until XX/XX/XXXX when my account was closed suddenly. I immediately called BOA to find out what happened and they said it was closed due to fraudulent claims. Since then I have gotten the run around from them and am constantly being hung up on after waiting on hold long periods of time. They cant even tell me if my police report has been received. I received a letter stating that my claim has been closed dated XX/XX/XXXX, because they believe the account or the claim has been subject to fraud. I dont know what else to do and it seems that there are many many other people this is happening too. Please help me. BOA did not investigate my claim!
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX XXXX and Transunion as well as to XXXX regarding this. They claim they have investigated it but they have not.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

They sent us a letter offering a forbearance because of Covid. We took a three month forbearance. Ever since the first month, we are receiving notices of late payment, and harassing phone calls about late payments. I have received a call from them every day this week. I have called to speak with them and they assured me that the account is in forbearance. They didnt know why we were getting the letters but said they were probably automatic. They could not verify that they are not reporting negatively to the credit agencies. In addition to the attachment below, we have received two other late notices. Ive had to call to get them to remove late charges assessed.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MI)

I purchased {$50.00} worth of XXXX coin in XXXX of 2021. On XX/XX/XXXX my coin was withdrawn from my account. I reached out to Crypto.com that night when I realized that my coin was gone. For the next XXXX weeks I tried to get information regarding the missing coin. The only way to speak to someone is through live chat and this can be a daunting task with slow turn around times. Their customer service had me change my email and passcode after I reported the issue. 

Nevertheless, I finally was able to find someone who looked into my issue on XX/XX/XXXX. She said that they had there " people '' look into it, after they were done with their investigation they said there was nothing strange about the transaction. They claim it was gross negligence on my part. I never authorized a withdraw, I was never informed via email that a withdraw was taking place. None of my personal information was EVER shared with anyone, not my passcode or email. The rep told me that a confirmation was sent to my email, when I asked what email they sent it to, she could not tell me. I told her which email I started my account with, but she could not help me. I did check my emails and I never received any correspondence regarding a withdraw. The amount of money that was taken was actually less than my initial deposit. 

Later in the conversation a supervisor stated that she just received feedback and gave me the email I started up my account. This was after I had already shared that information with the first customer service rep. Nothing about this process was professional or legitimate
Consumer complaint received 2021-01-08
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: CBC Companies, Inc. (TN)

I received my XXXX credit report and attempting to dispute information that was not correct but the company did not respond. XXXX wrote that they use date received from Innovis so I will be adding them to this complaint. I am attaching the disputed information to this complaint.
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove and/or update those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or update immediately or I will file for litigation due to the stress you have caused me. Please correct and update the late payment reported from my report.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (MD)

On XX/XX/XXXX, I called Hunter warfield to ask if they would settle with me so i can closed the account. The debt is from rental property where my father and I reside, unfortunately we had to leave a two months early because we were upset with the management. When the property manager renewed our lease in XX/XX/XXXX, she accidentally left my dad who was the main income off the lease. I just had a baby and was nit working. Well when we left early, the rest of lease contract went on my credit and only mine. I have an XX/XX/XXXX child who is XXXX and anotherXX/XX/XXXX who is XXXX. I am not working cause of covid and virtual learning with my oldest but unfortunately my car choose to die on me. So I called hunter war field and asked them if they would settle? The gentleman said {$1000.00} but when I told him my situation he was willing to take $ XXXX {$700.00}. But he first said, we should try to dispute this since this should nit be just your responsibility and he would call me that Tuesday to let me know if it went through. No call. I left Vm after Vm then finally a man calls me telling me the rental property is saying my dad did not live there which was a lie by the property and if I can get receipts of checks he paid rent and any other evidence, that will help my dispute. So XX/XX/XXXX I emailed them everything I had. XX/XX/XXXX I received a call from a hunter warfield debt collector stating it does not matter what evidence I provide, I was the only person on lease therefore its my responsibility. He was very pushy and rude. He said I need to pay half of the debt which was {$790.00}. Unfortunately with XXXX and unfortunate circumstances I couldnt even do anything. He said they are offering this once and he can split two payments but it must be paid by XX/XX/XXXX. There was no way I could and I needed to talk to my dad and fianc first to see if possible but when I ask the man fir an hour, he wanted my debit card and they would arranged two payments. I said I cant afford {$790.00}. He was very pushy and kept trying to make feel like I had no choice and this was it for any help from them. He would not allow me an hour to speak to husband and dad a d kept going on and on that this was it for offers and I need to take responsibility. They are trying to help me but I am the one who contacted them first to settle. I finally got aggravated because he made feel threaten, I told him that I need to speak to a lawyer to know my rights. Abd he said well now you brought up lawyers, we are done.
Consumer complaint received 2021-10-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LDF Holdings, LLC (NV)

I needed to borrow {$400.00} to pay my car registration in this state. I was led to believe that the loan would cost me {$130.00} but after signing and funding, I was sent a document stating that I had to pay {$130.00} a month for 10 months. That's over {$1000.00} on a {$400.00} loan. These people are worse than loan sharks and I will not be extorted by these crooks. Unfortunately I took a {$450.00} loan from a legitimate company and the total payback is {$550.00}. Where do these shylocks get off taking such advantage of desperate people in desperate situations. The only money I have is my social security and more expenses come out of that then money I have to cover just day to day living expenses. I already paid them {$130.00} and now I stopped payment for that company with my bank. I will give them {$50.00} a month for 7 months to pay off the balance of {$300.00} and some interest, but that it all I'm willing or able to pay. If that's not good enough, they can sue me and I'll sue them for fraud. Please help me. These people should not be allowed to even be in business, they are crooks.
Consumer complaint received 2021-10-25
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (NC)

I'm in debt, just like any other person. Debt XXXX, I know its there and I pay towards one debt at a time. Ive got medical debt, school debt and credit card debt. I'm slowly paying off my medical debt and will eventually work towards my other debt. I'm very aware and understanding how debt works and how debt collectors work but this company is literally driving me nuts. They call me 2-3 times A DAY. There has been one incident where they actually called me 4 times in one day. I have spoke to the caller once, explained my situation and left it at that. When debt collectors say they want to help, it's a lie. Ive asked them to stop calling me so many times in 1 day, its ridiculous. Since they call me so much, I've blocked them and they go straight to voice mail. The person leaving the voice mail is the same recorded message over and over. It's annoying and if I could block them from leaving voice mails, I'd do it in a heart beat. I don't care how much money anyone owes to any company, debt collectors should NOT call more than once a day UNLESS they've spoke to the customer and was told otherwise. This needs to stop, immediately. The company name is Receivables Management Partners , LLC and the number they call from is XXXX.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On XX/XX/2020 I received a text message on my phone from an unknown number. By replying to this text it allowed a hacker to hijack my phone. This gave them full access to everything on my phone including banking apps. The hacker used this information to do a cash advance of {$2200.00} to my credit card. I reported it as fraud and a case was opened. The case was closed because the bank claims my pin number was used to get the cash advance. At no time did I give my pin to anyone, especially for a large cash advance. I have disputed the claim and asked it to be reopened. XX/XX/2020, a second cash advance for {$2200.00} has now appeared on the new card they issued to me after the first incidence. I called in the claim today, XXXX XXXX. They told me to call back in a week to follow up. This was exactly what they said last time. Then they transfer me between multiple departments. First they did not resolve the first fraud incidence and blamed me for it, now they do not offer protection against it happening again. I closed the credit card completely today, but was told I am responsible for the {$4400.00} in cash advances until the fraud case is cleared. I am filing a police report with my local department today.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all 3 credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.