davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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. (GA)

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXXXXXX XXXX  XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Consumer complaint received 2021-12-29
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)

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (FL)

Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (NY)

KIA Motor Finance refuses to give me my insurance settlement. I negotiated a 36 month XXXX mile lease at my local dealership. I agreed and signed a contract that verifies this. Additionally the contract has a buyout amount of {$12000.00} plus fees. ( {$14000.00} ). My vehicle was hit while parked in the 33rd month of my lease, I continued to make the remainder of my lease payments while my insurance company figured out what to do with the vehicle. The vehicle was a total loss and I negotiated a value with MY insurance company of {$23000.00}. My insurance company sent this money to KIA Motor Finance after they told me they were waiting for a Letter of Guarantee from KIA Motor Finance. I made my last 36th month payment and also included the buyout amount with taxes and fees. This check totaled {$14.00}, XXXX. In summary I followed my lease contract to the letter. I did not approve or authorize many of the steps that the insurance company did, and I certainly did not agree to anything KIA Motor Finance is attempting to do. The vehicle was removed from the collision shop without my knowledge and auctioned off. 
A manager at KIA Motor Finance told me that since he received the insurance check first, he was returning my Buyout check. NO KIA Motor Finance cashed my Buyout check days after receiving it. They accepted my payment in full! 
I do not approve of this!
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC (TN)

I have asked this company multiple times to stop calling me. I do not owe this debt. They keep asking for someone else, and it is not me. I have repeatedly told them this. They keep calling and leaving voicemails. 

Dates and Times of Calls : XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX There are many more instances, but these are the only ones where the caller ID showed Advanced Capital Solutions XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC (TX)

My last day with XXXX should have been XX/XX/2021. 

Due to some internal technical error I kept receiving a full pay check. I believed the check dated XX/XX/2021 was my final check. When I continued to receive checks I notified my XXXX  team lead, manager, and XXXX members of XXXX. This continued until they had direct deposited over XXXX. 

I make the following claims XXXX : I never entered into a written agreement with XXXX  for them or their assignees to be able to make any claims against my credit score XXXX : I maintain that I did my due diligence in reporting the technical issue to XXXX as soon as I realized there was a problem. Their inability to correct this issue is not my fault and I in no way should be liable for their mistakes.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I am in the process of Refiancing, Mortgage is with Chase bank Refiancing with XXXX XXXX I have been asking Chase for Pay off figure for 8 days and they still have not given to me I missed closing date and now I might lose my rate. I have called them 6 times I have emailed them 8 times Please help me. Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-29
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. (IL)

I filed a FTC Identity theft report and I got it notarized and I certified mailed it the Transunion on XX/XX/2021, along with a copy of my Drivers License, Social security card, utility bill and a statement from me that the information is not information relating to any transaction by me.. The USPS said Transunion received it on XX/XX/2021. I called to day to check on the status of the fraudulent accounts, names, addresses and inquiries being blocked. I was told by supervisor XXXX that everything was put in disputes and would take 30 days from XX/XX/2021. So it won't be complete until XXXX XXXX. I asked how it this possible when the 15 USC 1681c-2 states ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-04-10
Product: Credit 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: BARCLAYS BANK DELAWARE (PA)

About a year ago, XX/XX/2023, I think, I started noticing fraudulent activity ( exceeding {$9000.00} at one point ) on my Barclays Navyist Credit Card. I immediately contacted them to let them know. Every month, my statement showed new fraud charges to the same XXXX XXXX XXXX  XXXX and others. The scammer also kept trying to change my address. I am XXXX XXXX XXXX. Barclay 's consistently changed my card number ( XXXX ) and each time they allowed the fraud to continue, only removing charges when I received my statement and called them. Each time, I had to speak with a new person and reiterate the issue. Finally they told me they put their highest security block on my card. And yet, the charges continued. Including interest and late fees!! I asked to cancel the card, but they told me I could not as it would impede their investigation. Later, they told me I could cancel, but their policy allows an account to be reopened within 3 months, no questions asked, so it would not be in my best interest to close it as theoretically, the scammer would be able to reopen it and I would not even know. They are now telling me that I owe them {$1200.00} because they made a mistake in charging back to the XXXX XXXX XXXX XXXX  and I must pay back for their error.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (PA)

I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity. 
According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and XXXX XXXX XXXX XXXX and Federal Trade commission.
Consumer complaint received 2021-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me extreme stress lost of sleep. An caused me to get denied for numerous things which I consider damages.
Consumer complaint received 2021-12-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing Inc ( SPS ) violated RESPA 1024.41 ( g ) Prohibition on foreclosure sale made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX. 

RESPA 1024.41 ( g ) require that : ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied; On XX/XX/XXXX we timely appealed SPSs XX/XX/XXXX SPSs Loss Mitigation decision. 
SPS DID NOT answer our Appeal and DID NOT inform us about their appeal decision prior to scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property. 

The following is a sequence of recent communications with SPS and their agents regarding this matter : 1. On XX/XX/XXXX SPS sent us their Loss Mitigation decision ( See attachment # 1 ) informing us about our right to Appeal SPS decision within 30 days 2, On XX/XX/XXXX we timely filed an Appeal of SPS Loss Mitigation decision ( See attachment # 2 ) to the email address SPS provided in Loss Mitigation decision 3, On XX/XX/XXXX we received SPS email confirming the receipt of our Appeal. ( See attachment # 3 ) 4. On XX/XX/XXXX XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX Home Equity Loan Trust, XXXX XXXX  XXXX XXXX XXXX XXXXThrough Certificates, XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 4 ) 5. On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 5 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing the inquiries that appear in my TransUnion report. I have never authorized any inquiries to be made in my report, and I believe that these inquiries are fraudulent. I am requesting that the following inquiries below be removed immediately. 

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 If you have any questions, please do not hesitate to contact me.
Consumer complaint received 2021-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (ME)

As of XX/XX/XXXX when the rules for PSLF where changed I now qualify for forgiveness.I have spend HOURS and HOURS on hold with fedloan. I then get an email saying I have only made one qualifying payment. I waited on hold for an hour again and was diverted to someone who didn't know pslf information. They said I was diverted due to high call volume. This seems to be making it absurdly difficult to take advantage of a program meant to help people like me. I am furious and have no way to get help from someone.
Consumer complaint received 2021-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2021, I received a notification from my credit monitoring services stating that a new collections account had been added to my credit report. I had no previous knowledge of this assumed debt. I was never sent any written notification regarding this assumed debt which is a violation of my rights as a consumer according to the Fair Debt Collections Practices Act. The assumed debt reported to the credit reporting agencies was by a company called Consumer Adjustment which I have never heard of nor have I ever received any written communication. I have no knowledge of the alleged owed debt of {$660.00} stating as owed to XXXXXXXX XXXX Hospital which they have named as the " Original Creditor. '' According to Consumer Adjustment, this alleged debt was supposedly opened on XX/XX/2021. I do not accept and has never accepted any offers to contract with this entity and I demand that any and all negative reporting which they have made to credit reporting agencies be removed immediately.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transaction Date : XXXX Amount : {$300.00} + {$300.00} ( in two transactions back to back ) Company : XXXX XXXX, XXXX, XXXX. XXXX XXXX On the above date, a payment was made using a company debit card from Bank of America , for merchandise that was never delivered, was never intended to be delivered and the evidence sits in the fact that the recipient immediately vanished upon receiving the funds, in total, {$600.00} were paid from business checking, and XXXX XXXX   and Bank of America helped perpetrate the fraud. The merchant is set up as a " cash application '' and makes it practically impossible to trace where the money went after it was taken from the business account and the recipient took the cash and vanished. Upon realizing the fraud, I first contacted XXXX XXXX   customer service via email because they do not offer a telephone number and even getting access to customer service email required over two hours of searching. 

Merchants site provides instructions on what to do in these circumstances. To Notify them and they will immediately freeze the recipients account. However, they were unable to trace the recipient and apologized stating they are working to prevent these types of frauds from occurring in the future. XXXX XXXX XXXX  is basically facilitating fraud by allowing a transaction to occur and then providing total anonymity to the recipient with no regards fort the victim. XXXX XXXX also instructed me to contact my bank and report it as a disputed charge and to deal with it directly through my bank. When I did so, XXXX XXXX XXXX answered the dispute with pure fiction, suggesting they were acting under my instructions, which is absolutely false and fabricated. They addressed the dispute as if it was reported as unauthorized rather than merchandise never received, and Bank of America immediately sided with XXXX XXXX without allowing me even a chance to respond. 

They provided the name and phone number of the recipient who stole the money but the name is made up and the phone number is disconnected. Even with this obvious evidence and indications of fraud, Bank of America, sided with XXXX XXXX, reversed the credit and then re-billed me almost {$200.00} in additional fees. Not only was I victimized by a thief, but Bank of America compounded this by hitting me with fees as if I was dishonest with them. In this instance, both Bank of America and XXXX XXXX are accomplices to identity and financial theft.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX, I called Experian to have 2 inquiries from XXXX XXXX Bank XXXX ( dates XX/XX/XXXX & XX/XX/XXXX ) in which I have never applied for credit or authorized for a credit pull. 2 Representatives stated that they can not remove those inquiries and that I would need to contact the bank to have them removed. I call XXXX on the phone number that Experian provided and spoke to XXXX. After giving her my information, she states that I do not have any credit with their bank nor did she see any credit applications. I need Experian to remove these two inquiries as soon as possible.