davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (IA)

Amerisave Mortgage - Trying to get PMI cancelled with now having 20 percent home equity based on my houses assessed value from the county. 

XX/XX/XXXX called in to request PMI cancelation. 
XX/XX/XXXX no letter received, requested another letter to be sent XX/XX/XXXX no letter received, requested letter to be faxed and mailed, they didn't have record of sending me requesting a fax XX/XX/XXXX no letter received, fax/mailed to be sent requested again. 
XX/XX/XXXX, they said they are now reviewing the PMI removal and to call back XX/XX/XXXX but would fax me a letter which now I am not sure what the letter they are trying to fax is about. They said the letter was mailed on XX/XX/XXXX too which is what?? 
Now the supervisor is saying it cant be faxed and now that it will take another 3 days to send the fax but will put in a request to have it faxed to see if the escrow department will fax it, it will take another 3 days to fax. 
Going to call in again on XX/XX/XXXX just to see what they say. They are purposely delaying and lying for sure!!
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NV)

They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to. 
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OH)

I received as a gift a {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX Black Hawk Network , Inc ). On XX/XX/2021 I visited the company website at redeem.giftcards.com and successfully assign the dollars to the XXXX restaurant. I was to receive an email, which I never received. I looked in my regular email folder and my spam folder but I didnt find the email. 

I tried using the card at XXXX unsuccessfully. I wanted to file a complaint, but I could not find an email address to do so. The phone number of XXXX on the e-card does not provide any information on how to file a complaint. The website, redeem.giftcards.com reports that the dollars were assigned to a restaurant, but it doesnt indicated which one. 

I have no recourse but to file a complaint with government office of Consumer Finance.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. EQUIFAX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (MN)

Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.

Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ). 

After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
Consumer complaint received 2018-09-20
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: JPMORGAN CHASE & CO. (SC)

Chase Bank sent me an aggressive reply on this portal trying to verify their inaccurate reporting on my credit file Chase is attempting to validate charge offs with paid receipts from two PAID car loans through their company. On this date XX/XX/2018 Chase Bank is unwilling or unable to provide contracts bearing my signature obligating me to pay the amount theyre claiming.Attached is an FTC opinion letter in reference to what CHASE BANK is attempting to do. Chase is breaking the law and reporting inaccurate information. Help me obtain letters from Chase I requested contractually obligating me to pay the amount charged off.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the my balance on my XXXX/Department of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XXXX of XXXX I was charged {$59.00} for a specific product that was greatly different than what I ordered. I filed a claim with my credit card company ( Bank of America ) who ultimately closed it out in the merchants favor. The merchant stated they would refund my money and haven't done so yet so I told this to Bank of America and they stated to fax in the documents and write my claim number on the fax and they would re-open the claim. I have faxed in my paperwork twice and they have not reopened the claim and I can not get anyone one the phone to actually help me with this situation
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

When we went into forbearance we were with XXXX XXXX, now we are out of forbearance as of XX/XX/XXXX and are with Selene Finance. We have talked to them and said that we would like restart payments for house as the same payment previously, with the amount in due from forbearance {$6500.00} deferred to the end of the mortgage payment. This is one of their options listed for coming out of forbearance. We have not been able to start this and they have sent certified letters to the address, not our billing address which are different locations, which talk of foreclosure.They have sent full application for a mortgage to us. We would like to make payment, monthly amount that we paid regulary before, and we have left 4 messages, sent emails,2 times, and called several times over phone trying to do this to no avail. 
They have not honored the choices that they put on web site to come out of forbearance
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 
1. XXXX dated on XXXX XXXX, 2023. 
2. XXXX XXXX  dated on XXXX XXXX, 2023. 
3. XXXX dated on XXXX XXXX, 2023.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

THE COMPANY, PORTFOLIO RECOVERY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). PORTFOLIO RECOVERY has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT LP AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. XXXX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.
Consumer complaint received 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (NY)

XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Hi I filed for bankruptcy XX/XX/XXXX due to my mother passing, me losing a baby, and then I ultimately lost my job on XX/XX/XXXX. With me losing my job, my bankruptcy case was dismissed because I had trouble catching up with the payments. My case was dismissed XX/XX/XXXX and Wells Fargo had already given me a sale date. I was not given enough time to go through probate and assume the loan. Could you please help?
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 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 2021-11-15
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. (GA)

TRANSUNION & XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my TransUnion reported balance is {$17000.00} but XXXX I reported balance is {$15000.00} also Highest balance that is being reported buy TransUnion is {$30000.00} but my XXXX Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY
Consumer complaint received 2015-09-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (AR)

When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. 
Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. 
On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. 
After getting off the phone I canceled the two scheduled online payments. 
I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. 
However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. 
I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. 
No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX has failed to remove this inaccurate account from my credit report. I do NOT owe Credit Acceptance any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE.
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (TX)

I had 5 items in medical collections. I called to settle a pay in full and was promised a letter would be sent to me advising the collections were taken care of 3-5 business days. I have yet to receive the letter and when I call, I am now been told that it can take 30+ days for them to issue the letter.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFFILIATED ACCEPTANCE CO # XXXXThis account has been reinserted. It was removed before and it is an account that was established due to ID Theft and Fraud. I was never a subscriber and I never lived in the XXXX of Colorado. The collection agency fails to validate and verify the debt but continues to report it even though it was previously removed. PLEASE DELETE.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXXXXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} RXXXX 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 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

I noticed the debt company posting XXXX on XXXX credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XXXX XXXX  and never received any statement from comcast of showing balance is due.With XXXX  services I only had basic internet services for my XXXX  to use for after school homework with a monthly balance of $ XXXX policy is you prepaid XXXXhe month advance. I been disputing with them. SOUTHWEST CREDIT SYSTEMS can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my XXXX XXXX decreases because of the neglects.