davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fith third Incorrect information on a credit report XXXX XXXX  I have a XXXX XXXX XXXX with XXXX XXXX and dealing with this company has been a nightmare. Agents from XXXX XXXX have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX. She is completely unprofessional and absolutely intolerable. She is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that XXXX XXXX does not listen to their own phone call recordings. XXXX XXXX is the ABSOLUTE WORST!
Consumer complaint received 2022-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore LM is the Mortgaging processing company. On XX/XX/XXXX, they sent me a notification that my loan was sold and transferred on XX/XX/XXXX, my loan was sold and transferred and was completed on XX/XX/XXXX. This violates XXXX XXXX stating, '' Fifteen notice must be given prior to the sale and or transfer of a mortgage ''. As well as completed within XXXX XXXX of the advanced notice. They failed and violated my rights as usual. When is CFPB going to do something about Rushmore continuous violations of my rights. XXXX or XXXX attempted modifications, each time they lose documentation so they can deny me. Using automated dialing and voice messages to contact my cell phone in direct violation of FDCPA. They claim they are allowed to do so. About XXXX received over past XXXX XXXX Enough is enough
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KS)

Husband XXXX XXXX probably XXXX XXXX XXXX XXXX accounts I've only had XXXX XXXX XXXX XXXX card and XXXX last purchase I made was {$72.00} I think of XXXX anything after that's not me or on any other cards
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

Discover is reporting a debt that does not belong to me. I have attempted to dispute with XXXX, XXXX, and XXXX  and Discover has refused to send me the validation necessary to leave it on the credit reports. 

DISCOVERBANK XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Repetitive harassment. Calling all hours of the day even after XXXX pm. Below is a detailed call log of the last year starting : From phone number : XXXX or XXXX ( XXXX ) XXXX XXXX from a XXXX  representing to be from PCI named : XXXX XXXX. Or same number ( XXXX ) XXXX Ext : XXXX from a XXXX representing to be from PCI named : XXXX XXXX XXXX XXXX XXXX from PCI XXXX  from PCI XXXX XXXX XXXX from PCI Ext : XXXX XXXX XXXX from PCI Ext XXXX XXXX Below are just the voicemails not including all the excessive calls in between where they didnt leave voicemails XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
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)

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. 

I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NV)

I had a problem with my water heater. I called my plumber! They fixed it for me. I asked if I could pay in XXXX payments instead of XXXX total! They said XXXX, and to use XXXX! I only used it XXXX before with somebody helping me, so I was very unknowledgeable about how to do a XXXX so I ended up making a mistake putting in a phone number that was XXXX digit wrong and spent {$500.00} to somebody I do not know! I reached out to her and said, can you please XXXX me back my money never heard back from her! This was the end of XXXX so approximately XX/XX/XXXX! I went to my bank to file a complaint. They said it might take XXXX XXXX or so and at the end of XXXX XXXX they sent me a letter that said they cant help me get back that money because I sent it to her! I went back again and filed a complaint again. XXXX XXXX later same thing cant get your money back because you sent it to her! They knew that I sent it to the wrong number by XXXX digit, and I expect to get that money back! Of course I cant do small claims court because I dont have her email or her address. Otherwise I would. What else can I do to fix this? I have heard that there is protection called XXXX.
Consumer complaint received 2020-09-29
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: Fidelity National Information Services, Inc. (FNIS) (OH)

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Consumer complaint received 2022-11-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (GA)

Agreed to pay amount of {$410.00} and charged credit card {$1300.00}. They refused to respond to any written requests ( emailed Radius Global on XX/XX/19 ) on as I tried to resolve without getting the credit card company involved.
Consumer complaint received 2020-09-29
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: JPMORGAN CHASE & CO. (CA)

We did not authorize payments to the merchant. We showed chase the police report and FBI investigation to prove the merchant is committing fraud. We also reported to the attorney general in New York. 

The amounts range up to {$49000.00} around XXXX XXXX to XX/XX/2020. 

Chase refused our dispute and appeal. Please help. 

Chase provided NO proof as to why they are not sending back the credit, I've been stuck with this case since XXXX when I originally made the claim. Today I learned they denied my claim. This has been extremely frustrating because of a large balance on my business card.
Consumer complaint received 2020-09-29
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. (OH)

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Consumer complaint received 2022-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

ISSUE # XXXX : In XX/XX/2022, my loan was sold by XXXXXXXX XXXX XXXX XXXX XXXX / XXXX. The XXXX payment was auto-debited from my bank account by XXXXXXXX XXXX  They took their sweet time transferring that money to evil XXXX XXXX / XXXX. When evil XXXX XXXX / XXXX received that money in XX/XX/2022, they said it was all my fault! They reported me to the credit agencies and charged me an outrageous late fee of {$180.00}. I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! If anyone should pay a late fee, it should be XXXX XXXX for taking their sweet time transferring the money. 

ISSUE # XXXX : In XX/XX/2022, I was hit with another late fee of {$180.00} in spite of making my normal payment! Apparently, evil XXXX XXXX / XXXX screwed up big time. They did an escrow analysis which they admitted was wrong. So, I kept making my usual payment. But their frame of reference was the incorrect escrow analysis. So, they felt my usual payment was short ~ {$200.00}. So they hit me with a bogus late fee of {$180.00} when it was truly their incorrect math, and reported me to the credit agencies! I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! In XX/XX/2022, they did another escrow analysis which I still don't think is correct. How dare they charge me fees for their incorrect calculations while I am continuing to make normal payments? 

PLEASE SHUT THIS COMPANY DOWN, OR LIMIT THEIR LICENSE AND FINE THEM FOR SCAMMING MILLIONS OF POWERLESS CUSTOMERS LIKE ME,
Consumer complaint received 2020-09-29
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: Delivery Financial Services, LLC (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2020-09-29
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. (OH)

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I purchased XXXX in XXXX in XXXX TN XXXX irginally {$320.00} in XX/XX/XXXX XXXX went up to roughly {$550.00} I was making pmts and tgen got to where the high pmts along with insurance was too high my vehicle was repossed XX/XX/XXXX wells fargo would not work with me on the large pmts. I joined military XX/XX/XXXX bc of repossesion i was denied security clearance and $ XXXX sign on bonus. XXXX i had to file bankruptcy bc repossession was on credit but was still for full amount even tho the vehicle was sold. I filed bankruptcy bc i needed clearance to get new XXXX in XXXX to XXXX XXXX and i was denied clearance again went to see XXXX and was told bc of bankruptcy. I lost another sign on bonus of $ XXXX. In XXXX i tried to renew my XXXX contract bc my wife had become XXXX and we had a XXXX year old XXXX child and needed the insurance and job. I was denied contract renewal bc i could not rank to XXXX bc of the banruptcy and had to get out in XX/XX/XXXX. Forced out i have a family XXXX kids a XXXX wife and XXXX child i was now jobless and no check for 3 months. All of this bc Wells Fargo fraudulently placed CPI on my vehicle when i had full coverage pmts got too high out of nowhere and no willingness for help from Wells Fargo. Recieved letter beginning XXXX regarding class action lawsuit regarding my Tennessee wells Fargo loan. Contacted number heard nothing bk for months then requested insurance I called multiple companies wasnt sure who i had coverage with it was almost 10 years ago insurance companies saying they cant go bk that far. I called Dept of Safety in Tennessee and they can only view current ins. I called the office of Wells Fargo president and was told i was denied bc insurance i thought i may had was not valid. I was told till i can provide it i cant reopen it and that was on XX/XX/XXXX with case manager XXXX. Prior to being denied and filing complaint with office of wells fargo president ive spoke to 2 different agents who said proof of insurance was on file. I was then transferred to office of wells fargo president spoke to XXXX XX/XX/XXXX or XX/XX/XXXX she provided number and claim to me Phone XXXX Ext XXXX XXXX # XXXX. 
Account was given to case mgr XXXX he called next day that was Friday XX/XX/XXXX missed his call i called him today XX/XX/XXXX and said closing case. He was no help and rude. This has ruined my credit it ruined my military career, bonuses and has caused me to have to pay higher interest on loans. This is not right what they have done to me my family and to others. Please i need help
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (IL)

The following credit item listed on my XXXX, EQUIFAX AND XXXX XXXX file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

TSI is attempting to collect on a debt that is not owed by me nor authorized by an original agreement between the original creditor and I. If TSI feels that this statement is incorrect than I invite them to provide me with a copy of the original contact between the original creditor and I, failure to do so with result in additional liability under the FDCPA/RFDCPA. Additionally, if they provide me with monthly statements and fail to provide the original contract this will establish the existence of an original contact and lack of possession of the contract in their file. The original contract must be provided within 30 days. Failure to do so will result in a lawsuit pursuant the FDCPA/RFDCPA
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. 
When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. 
I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. 
Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I had saw in my checking account that {$3300.00} was transferred from my primary bank ( first National ) to a bank I dont have an account open for ( XXXX XXXX  ). This was done on XX/XX/XXXX. I went ahead and contacted first national and filed a complaint directly through them. Im currently ( XX/XX/XXXX ) waiting for the paper work from them to complete the complaint process. This is also the second time in two months that unauthorized payments have been taken directly from account. Im not sure if my identity has been compromised.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (NV)

On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the XXXX  of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX Guardian Capital Management Hawaii LLC ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney XXXX XXXX XXXX XXXX XXXX and XXXX ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX XXXX in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), Guardian Capital Management Hawaii LLC and the XXXX XXXX XXXX XXXX and XXXX did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( XXXX  ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.