davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P. (NJ)

In XXXX I was under XXXX XXXX, All credit cards were paid and closed - any balances unpaid were charged off. I also was sick again in XXXX and had XXXX XXXX in XXXX. I have many medical bllls. I also am a single parent of XXXX dependent ( students ). Mortgage in modification, car was repossed although breach of warranty claim filed in XXXX. I have an active lawsuit with XXXX and XXXX against a NJM driver. I was injured on XXXX XXXX XXXX. My car never worked and I could not walk for over 8 months. I lived with the consequences of credit destroyed. Issue is years later I am just making it pay to pay. and BARELY. Some weeks we have no groceries and all medical work with me - utilities have gone up mortgage too taxes - given. Out of nowhere all OLD CHARGED OFF balances haunting me. XXXX XXXX and XXXX XXXX  XXXX XXXX. 
I reached out saying NO not then NOT NOW. I cant pay charged off balances. I can barely make my XXXX follow up - rescheduling constantly as I don't have CO PAY. PLEASE MEDICAL HARDSHIP is ONGOING, Please cease all.
Consumer complaint received 2018-08-23
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. (TN)

XX/XX/2018, TransUnion received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, TransUnion did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did TransUnion when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Also, in its investigation, TransUnion claimed to have updated my name in which they falsified my correct name on the credit report. Concluding, TransUnion did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
Consumer complaint received 2022-07-08
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: Rent Recovery Solutions (FL)

I performed a XXXX credit check on XX/XX/2022 and noticed a collection entry from Rent Recovery Solutions dated XX/XX/2022 in the amount of {$7400.00}. I was never contacted by Rent Recovery Solutions prior to the entry on XX/XX/2022 and given an opportunity to dispute this charge. After reviewing the phone number listed in the collection entry on the credit file I did a search on my phone and discovered a couple of attempted calls in the later part of XX/XX/2022 but nothing prior to the entry on XX/XX/2022. Additionally, I have not received any mail correspondence from Rent Recovery Solutions before or after XX/XX/2022. It is my understanding that collection agency 's have a responsibility to verify the debt and give the alleged debtor an opportunity to dispute the charge prior to slandering someone's credit file. 

I strongly dispute this charge as there is an application on file with the state of Texas to pay the rent for this situation due to Covid-19 related issues that the original creditor is well aware of.
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation (NJ)

The company is attempting to collect 1 month of premiums, about {$930.00}, for an XXXX policy ( XXXX ) in XXXX. The policy was active from XX/XX/XXXX. 

In XX/XX/XXXX, I moved to XXXX and became a XXXX resident. 
Since I was traveling back & forth to XXXX at the time, I did not immediately cancel my XXXX policy, I paid the XXXX, XXXX, and XXXX premiums. 

On XX/XX/XXXX - I called to cancel my XXXX  Premium and enrolled in a new XXXX policy ( online ) in XXXX, both effective XX/XX/XXXX. ( Using the Special Enrollment Period for XXXX ). I was told to not pay the XXXX premium by the original XXXX company. 

I paid my XXXX policy from XX/XX/XXXX onwards. 

For some reason, the XXXX  insurance continued to bill me for the policy, and also automatically enrolled me in a XXXX policy. They then sent the XX/XX/XXXX policy premium bill to collections, but eventually stopped billing me for the XXXX policy. 

I have form IRS XXXX from the original policy showing my coverage ended XX/XX/XXXX, and my IRS XXXX from the new policy showing coverage started XX/XX/XXXX and yet, the collections agency persists and reported the account to XXXX  and possibly other credit agencies, affecting my FICO score.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CT)

Today XX/XX/2022 at XXXX PM I got a call from American Financial Network from XXXX and was told that I needed to call them and upon pressing buttons, I got t a live person who promptly hung up on me after saying " ha ha your going to lose your house ''. Upon calling back after hangup at XXXX PM, a worker for American Financial Network said " XXXX XXXX when you lose your house and are on street with wife will she stay with you ha ha ha. '' I have enclosed completely contradictory letters produced by American Financial Network in the attachment section of this complaint. This cements what the audio phone records show and what I have been saying during original complaint and followup. American Financial Network violates all rules and constantly gives me inconsistent, misleading, and contradictory information. 

There dishonesty and deception is exemplified by their complete lack of transparency and deceptive practices as outlined with the following. American Financial Network asks me to give them information on loans that they had or have with me and when I said that I didn't have anything that they didn't they would be deceptive and not speak to me or work with me honestly and transparently to try and clarify. The loan needs to be dissolved to zero balance because American Financial Network has continually changed requests, terms, and has constantly given me contradictory and misleading information. They have also been predatory and recently had someone from their associate XXXX XXXX servicing come to my house and demand that I give them {$5000.00} cash in order to keep my house and avoid foreclosure. XXXX XXXX XXXXXXXX and American Financial Network should be stripped of their rights to lend and sell on the secondary market.
Consumer complaint received 2019-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC (FL)

2013 my car crashed in the car accident a towed company towing it my insurance company doesnt paid to take the car, towed company putted the ligne in my tag I couldnt do the car in person I went to the towed company to pay the money I paid off the money
Consumer complaint received 2023-09-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (OR)

XXXX. has been in contact with the creditor, XXXX XXXX, and is under contract for payments on my behalf through XXXX. I have verbally requested that the creditor stop calling me but the representate stated that the calls will continue. The bank personnel is refusing to stop calling me, XXXX to XXXX  times per week, about the past due balance that XXXX XXXX XXXX has taken the responsibility to bring to a current status in the coming months. The XXXX XXXX  has agreed to accept payments and participate in this federally funded program.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (GA)

AD ASTRA RECOVERY SERVICE is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing acquired my current home loan. Previously, Ocwen reduced the mortgage payment to about {$1100.00} per month without me having to refinance. Recently, Ocwen increased my mortgage payment by a ridiculous {$800.00} extra per month. Now my current payments are {$1900.00}. Ocwen said this was due to an escrow shortgage.???. Anyway, I have been sacrificing to pay this outrageous amount for the past several months and I know the escrow shortage should be cleared up by now. I requested that my payments be lowered back to around {$1100.00} and was told that couldn't be guaranteed since the shortage amount had already been calculated and included in the remainder of the loan balance. Ocwen said that I could re-finance. I DO NOT want to refinance with Ocwen. I didn't refinance for them to lower my payment prior to this huge mortgage increase so I shouldn't have to refinance now. This will only add additional fees and increase the loan amount. I also received a notice from Ocwen stating they have PMI insurance on the loan. I want this removed to help lower the mortgage.payment.
Consumer complaint received 2019-03-30
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: M&T BANK CORPORATION (NY)

My complaint does not seem to fit within the prescribed fields I Demand THIS CREDIT INQUIRY BE REMOVED FROM MY CREDIT REPORT because the mortgage broker did not follow through on my mortgage application after securing my credit report.I am enclosing the last email I received from the broker XXXX XXXX All my voice messages text 's sent to her were unanswered since ... ... .Quite frankly I do not feel I should have to bear the the brunt of a credit inquiry because this broker who is not acting within her capacities ... ... ... that of a NYS Licensed Mortgage Broker I can provide my follow-up calls and and text messages upon request.Once again my credit has been affected as a result of this and I had to have another inquiry done by XXXX XXXX  on XX/XX/29.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX is a debt collector that has failed to provide me with proof that I owe them any money. I have sent them several Debt Validation letters asking for proof that I owe them money, they have failed to provide me with any documents with my signature showing I agreed to pay them the alleged debt. Still they keep reporting this alleged debt to the three major reporting bureau 's ; XXXX XXXX, XXXX  and XXXX.
Consumer complaint received 2018-08-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinman Acquisition Group (TX)

I received a call from a man who left a message saying that I was avoiding them and that I needed to call them in order to stop him from coming to my house and my work. I called the number that he left and the lady said that I needed to make arrangements in order to stop it from going to court and fraud charges be filed against me. I panicked so I set up arrangements. She said I owed around 1700 but if I settled it would be XXXX and it was going to be XXXX a pay period until paid off. I asked if I could receive any documentation because I thought I had made payments but just didnt pay it off and she said that they couldnt give me any documentation until it was paid in full because I could use that information against them.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA credit card banking lied to me about the card benefits when I opened the credit card. When I closed the credit card they will not give me the rewards I earned on the card. I am being punished for closing a credit card that was sold to me based on a lie. I called in asking what credit card offers were available to me because I was looking for a 0 % on purchases cards. I had a conversation were I explained multiple times why I wanted a 0 % on purchases, not balance transfers. The USAA representative told me the card was 0 % for both transfers and balance transfers. I used the card for travel and when I returned called to find the first due date only to find out I was lied to that the credit card was 0 % on purchases. I paid the full amount during that phone call and closed the account. Now I am being told I can not redeem the {$45.00} in rewards due to me for using the credit card.
Consumer complaint received 2022-07-08
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. (AL)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance with Fair Reporting act XXXX Account # 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 instruction
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. PLEASE UPDATE ACCOUNT TO XXXX  IMMEDIATELY THANK YOU AND ADVANCE IF YOU CHOOSE TO IGNORE THE LAW I WILL SUE FOR ILLEGAL DAMAGES YOU HAVE CAUSE ME AND MY FAMILY THANK YOU.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following agencies was involved trans union, XXXX and XXXX was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc. (OR)

Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regarding account : XXXX XXXX XXXX XXXX XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-02-07
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: CLGF Holdco 1, LLC (OH)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

S.P.S. disregards mortgage contract and continues to try to collect funds which are not du. They also are trying to skirt bankruptcy laws by falsely saying mortgage payment was missed. I have a record of bank checks showing every month is paid it is current. They attempt to change the mortgage agreement which states the payment is not late until after the XXXX. Every month is paid yet i recieve statements with the comment it is XXXX. XXXX unpaid. I paiy XXXX every single month. The extra XXXX to go to principal. It is not unpaid. There is no missed payments. This company continues to falsify records to collect extra interest. They purchased the mortgage from XXXX  XXXX XXXX and try to change the terms, disregard bankruptcy laws, and falsify records. These images are from same statement multiple dates, one point says behind other says it's not.