davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

On they Year 2018, I went to the US with an Exchange Student XXXX Visa Program. We had our Apartment ( XXXX Apartments ) at XXXX XXXX XXXX XXXX XXXX Florida XXXX. I vacated the premises within 6 months of staying and they did have me cleared. I shared it with a few people on the same program as I was. And they were the ones who stayed until XXXX of the next year. BUT THIS HAS BEEN THE XXXX TIME THEY HAVE BEEN TRYING TO COLLECT PAYMENTS FROM ME. And what I do not appreciate is them locating me where ever I am trying to get me to pay. I DO NOT THINK IT IS SAFE FOR ME THAT THEY ACTUALLY TRACK MY LOCATION AND ADDRESS. You see, I did call the property itself to clear things out XXXX  years ago and NO ONE COULD EXPLAIN TO ME WHAT IS GOING ON. And this is now the XXXX collection company that had contacted me. THIS IS INVASION OF PRIVACY ALREADY. I did tell them if there are any issues I would need to speak with with the property office themselves and have them send me all the contracts I did sign and whatever I do owe. But no one could provide me with any information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the State of Florida and resold. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Consumer complaint received 2022-04-12
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX is continuing to report false information and unverified information on my consumer report. According to the FDCPA and the FCRA ALL INFORMATION IS SUPPOSED TO BE FAIR AND ACCURATE. They have violated my rights under USC 1681 b and 15 USC 1666b and others as well.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (OH)

There is a collections account that is reporting to my credit weekly for Sunrise Credit / XXXX XXXX XXXX for {$810.00} for equipment that was returned. I have a receipt from XXXX for the XXXX XXXX XXXX XXXX return receipt # XXXX. This is a violation of the FCRA. I want this removed from my credit report immediately or I am prepared to go to court and sue over the damages. You are affecting my credit score on fraudulent charges.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

WHAT HAPPENED : Bank of America put a XXXX business day XXXXday hold on a check when my funds were low claiming suspicious activity on the issuer, an XXXX XXXX Company banking with XXXX XXXX Bank . 

MY MAIN CONCERN : I have deposited multiple checks from this company in the past with Bank of America ; this is the first time they have suspicions of the issuer. In the past, I have near always had XXXX in checking at the time of depositing the aforementioned checks from this issuer ( according to bank XXXX total ). This time I had {$40.00} - and pending charges I was assuming this check ( {$1700.00} ) would cover, in holding this check they have charged my account {$70.00} in overdraft charges. 

BANK OF AMERICAS RESPONSE : In calling I was told XXXX  days into the hold that the money would be available the next day after XXXX pm, that was yesterday and still no money. I did call to complain about the overdrafts and was told there would be a removal of the overdraft fee and that I would not be responsible for any further overdraft charges during check hold ; however, I just received yet another charge. 

Bank of America keeps you on hold for XXXX minutes each time I called to resolve these charges, they are difficult to work with and I can not help but think they profiled my account before holding this check as it would result in multiple overdraft charges.
Consumer complaint received 2022-01-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BCG Equities, LLC (IL)

This is a complaint against the following companies : Loan Originator : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Debt Collector who purchased the original loan from the Loan Originator : BCG Equities , LLC, XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Collection Agency acting on behalf of the above Debt Collector : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Summary of Complaint : This loan was taken out in XX/XX/XXXX in the state of Wisconsin. I settled the original amount but they tried to collect an additional amount of {$4400.00} ( in interest at an extremely exorbitant rate exceeding 400 % ). The " collection '' was sold to BCG Equities and they attempted to collect it in XXXX by harassing me with multiple letters, e-mail and phone calls. It is important to note that they were attempting to collect on this loan past the 6 year statute of limitations for the state of Wisconsin. I sent them multiple cease and desist letters.In retialition, they added a collection account to my credit report which I disputed with all the credit agencies and successfully removed. Their collection letters noted that this debt was outside the statute of limitations yet they were continuing to harass me. 

It is now XX/XX/XXXX, and they have hired a Collection Agency to act on their behalf to collect this same " debt '', by sending me e-mails and calling me on a regular basis requesting payment. I have just sent another of several cease and desist letters to both Collection Agencies noted above.
Consumer complaint received 2022-09-27
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)

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, NO REPORTING for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.
Consumer complaint received 2021-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TN)

I fell behind about maybe 3 months in my Mortgage payments due to a National Disaster ( a major Fire destroying our tourism here ) I work for a XXXX company and I am on a commission base. My husband at the time worked with me as well. My business gets sold and my husband gets let go. So my income falls very short at the time ( fell from XXXX to XXXX. I received this flyer in the mail to modify my Mortgage ( from XXXX XXXX XXXX ). We call them and we go through these emails/ Phone calls, Approval recordings, etc. We start making money order payments to XXXX XXXX XXXX and just because I asked if we could start making our payments using our bank account a week later they told us we no longer qualified for their program. By this time my Mortgage Company ( Freedom Mortgage ) sells my home back to themselves and proceeds to Auction our home. I try in XXXX of 2021 when my house sold back to them to modify and let them know about what had happened. They told me they would get back with me with a decision and they never did nor did they even try to work anything out with us. I even had HUD /FHA willing to make all payments back to them so we could get back even with our loan and they wouldn't even speak with them after leaving us an hour hold and never coming to the line. During the XXXX you would think they would have taken the back payments and just reinstated our loan knowing what happened but instead proceeded to Auction our house until LAST week they actually sold our home to someone from CO and he has written us a letter to pay excessive amounts of money or leave the property! I have a 90 % handicapped husband, A Mother I'm trying to care for with XXXX, XXXX teens! I am the sole provider here! Please is there any justice in this matter? Is there anyone that can help me? I am in desperate need!!!! Please Help me! I have no where to go Q They have ruined my credit!
Consumer complaint received 2022-09-28
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NV)

In XX/XX/2022 I filled out a Identity Theft Report about this issue and sent it to the three credit bureau 's with an explanation. I did not open this account. A friend of a friend gained access to all of my information and opened varios accounts in my name. XXXX acknowledged that this was correct and removed it from my credit report, but Experian did not. The letter I sent Experian was also in XXXX XXXX XXXX I need this bad information that is on my Experian credit report eliminated.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

My car was broken into & purse stolen on XX/XX/21. Several of my credit cards were fraudulently used at a nearby XXXX. My Chase XXXX XXXX was charged twice by the thieves in the amounts of {$450.00} & {$210.00}. The credit card company, Chase XXXX XXXX, has denied my claim that I was robbed and my card was used fraudulently despite me providing documentation such as police reports, car insurance claim, documents from other credit card companies acknowledging fraud was committed with a few other of my credit cards. I have provided all the documents they ask for to support that my card was stolen but they are trying to make me responsible for the fraudulent charges.
Consumer complaint received 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (TX)

In XXXX XXXX, I was contacted by First Mark Services concerning my private loan. I XXXX from XXXX school on XXXX XXXX, XXXX. Immediately after XXXX I requested a grace period of 6 months after XXXX to begin repayment. A representative, XXXX XXXX from First Mark Services indicated that their records reflected that I used the grace period during the period of XXXX XXXX through XXXX XXXX. However, during that time period I was enrolled in school and did not use that grace period for repayment as I was a XXXX student and not required to make payments on the loan during that time. At the time, I submitted the form to nelnet loan company it was accepted by the customer service in XXXX. 

I submitted the same form that during that time I was enrolled as a XXXX student in school ( XXXX in XXXX ). Upon submitted the form I found that without further evaluation or confirming my enrollment they denied my request via the indicated form. 

Desiring to resolve this matter I then requested to reduce my payment amount to {$50.00} a month since I am currently unemployed and preparing for resident matching this summer, XXXX. After several email exchanges with XXXX XXXX, it was concluded that I could make $ 50 monthly payments until I became employed and was able to make the full monthly payment amountIn my email I stated that I will be able to make {$50.00} now then 2 weeks later I will be able to make a payment of {$100.00}, then afterward I will make auto pay of {$50.00} a month. I made my XXXX payment of {$50.00} then he contacted me and indicated that I will need to start making full payments and denying that he agreed to reduce my payment to $ 50 monthly. 
I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.
Consumer complaint received 2018-05-13
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. (NY)

hello I am a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.
Consumer complaint received 2022-04-12
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. (WA)

In accordance with the fair credit reporting act XXXX  account name ( XXXX 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 602 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (CO)

I received a letter that appears to come from XXXX XXXX XXXX. However, it is actually a deceptive solicitation from Millennial Home Lending, with an offer to refi and cash out. 

In addition to being deceptive that this appears to be connected to XXXX XXXX XXXX, the terms provided on the front page of the letter do not list term, fees, etc. It attempts to show " now mortgage payments for 2 months '' and get $ XXXX out cash free. The disclaimers are listed on the back of the sheet. 

At the bottom of the sheet there is a disclaimer that Millennial Home Lending , Inc is not associated with or acting on behalf of XXXX XXXX XXXX. 

Additionally, the envelope it was mailed in appears to have " time sensitive information '' to cause fear or confusion. 

There is no way this can be legal, the entire letter feels deceptive and misleading. A confused old person could see this and totally disrupt their financial situation. 

It provides a number XXXX. Please make them stop.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

Hello, I have a conventional loan through UWM, United wholesale mortgage. In XXXX I requested the process from them to remove XXXX, XXXX XXXX XXXX. I got around to submitting the required information through email. Previously I was told it had to go through mail but after receiving instructions through their portal ( I still have record ) its stated Alternatively the request and any additional information may be sent to XXXX Due to these instructions I submitted the request and required information to start the process of XXXX  removal. My XXXX ratio is well over below 80 % and shouldnt need an appraisal but I was ready to do so. This request was submitted XX/XX/24. I was told they had 30 days to respond. After 30 days I followed up after not hearing anything and they then asked for the information I had already provided. I was blown away that I was submitting the information again. They then said it would take another 30 days. 

I now have wait a total of 60 days and have been told I wont have an answer until XXXX. I have reach out directly to the XXXX  administration and UWM multiple times with no clear path to resolution. 

At this point I feel they are holding me captive to a unneeded insurance that I am trying to terminate. I have paid several hundred in extra XXXX  insurance and have had no clear communication as to why my request is not being taken seriously. 

Please help
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in?
Consumer complaint received 2022-01-28
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. (CA)

Bank XXXX XXXX was not able to prove such an amount to be owed and they ad to dismiss the case against me in the court of law. Their dismissal legally means they wave their right to claim such money, where it is no longer necessary to anyone to reopen the case. Also, the statue of limitation as per California law has passed for the XXXX XXXX  XXXX to claim any money. Thus, XXXX XXXX XXXXXXXX can't legally claim any money owed. The result, XXXX XXXXXXXX XXXX is using Experian as a proxy to engage in a criminal act of extortion under Penal Code XXXX, in which is a felony act of both XXXX  XXXX XXXX and Experian to be engaged in. I have notified Experian and disputed the wrongful reporting on my credit report many time since XX/XX/2021. Experian didn't notify of any result of such dispute nor properly investigated. I received nothing form XXXX XXXX XXXXXXXX nor Experian as a response to many disputes. My last dispute was in XX/XX/2021, where I disputed by mail and online. I have given Experian proofs of the court dismissal of the case. Experian been extorting to pay money that not legally owed to XXXX XXXX XXXXXXXX, since XXXX XXXX XXXXXXXX can't get any money legally. Experian been playing the proxy extortion game with by deducting between XXXX to XXXX point every month for the falsely claim money. This is not only unfair practice is also criminal as I read the PC519 where they using Credit reporting to cause a disgrace and deformity that induce public humiliation and financial hardship and damages.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My mortgage company, Huntington, has not paid any of my taxes or insurance in XXXX from my Escrow account. I have since found out they had the wrong parcel number and paid taxes on the wrong property. Additionally they did not pay my insurance so I've gone out to pocket to pay that. 

Now, my escrow for XXXX states a $ XXXX deficit and estimated $ XXXX in taxes ( my taxes are around $ XXXX ). That has ballooned my mortgage payment by $ XXXX which I can not afford to pay. However, Huntington says there is nothing they can do until their tax and escrow team can resolve the issue which will take " months ''. In the mean time I am expected to fork over $ XXXX additional over the next year.