davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
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: Early Warning Services, LLC (GA)

I have contacted Early Warning Systems, and XXXX about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. XXXX allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with XXXX many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both XXXX and Early Warning where XXXX reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of these two fraudulent accounts. My identity was stolen when my wallet was taken from me in 2009 when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. 

XXXX told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XXXX File, and My XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both Early Warning and XXXX are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-02-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I received an email from Experian stating my credit score had changed. I logged into Experians home page and noticed my credit score had dropped 22 points and when I checked the credit report against the credit reports I had already downloaded I noticed there werent any changes such as inquiries ( They were exactly the same ). I called Experian to find out how could my credit score have dropped 22 points when there werent any new information or inquiries provided to them? I was first told by the agent that I was right that nothing had changed but Experian wasnt in charge of my credit score dropping and that they only go off information provided to them. I was then told I would have to hire a financial professional. 
This argument didnt make sense at all and asked to speak with a Supervisor ( XXXX ), XXXX stated the same XXXX argument and when I asked her If there wasnt any new information that would impact my credit that wasnt already there but Experian dropped my score how could you say that Experian is only going off information provided? XXXX wasnt able to intelligently give me a plausible reason but continued to spout that I had to hire a financial professional so I hung because they knew their argument didnt make sense and I wasnt getting anywhere. 

Experian Membership ID # XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MD)

they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (TX)

Last night XXXX at XXXX XXXX CST XXXX XXXX called asking for me. I told them they had the wrong number because I get so many spam/fraud calls all the time, plus I didn't realize it was XXXX XXXX until after the call and I looked on my caller ID. They did not identify themselves and who they were with when I picked up.. The phone rang for like 2 minutes, that's why I picked up. I have a company working on consolidation for this debt and XXXX   knows this. They called me at XXXX XXXX, that is too late and when I told them they had the wrong number they said, you mean to tell me you don't know who XXXX XXXX is? Very aggressive.. Then they said, I am going to leave a message for XXXX. I said, you have the wrong number. the way they acted I thought for sure it was a scam call because of how rude they were. Then they said, okay. well, I will just be contacting all of her family members then. I said, okay. Hung up.
Consumer complaint received 2022-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (TX)

XX/XX/XXXX - I applied for a loan online based on their website apply online and have it directly deposited into my bank account the same day all completed online. After applying for the loan, I was then told through the online website that to get the loan same day I would need to physically visit a local location otherwise, it could be directly deposited into my bank account within 3 business days. This was misleading and did not meet my requirements, so I decided to not proceed with the loan. I tried logging back into my Speedy Cash online application and received warnings that my email address is invalid. I also did not receive any email confirmations. I have tried contacting the company both via email and phone with no response. Since I heard nothing and received no confirmations back, I assumed my application was terminated since I did not agree to have it directly deposited or visit a physical location. 

XX/XX/XXXX - Still no response from Speedy Cash, they went ahead and processed my loan without my consent and directly deposited into my bank account. I did not authorize this and again have tried contacting the company via email and phone with no response.
Consumer complaint received 2018-05-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to  execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
Consumer complaint received 2022-07-24
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. (MI)

My husband and I had a lease with XXXX from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. XXXX started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. XXXX fixed the errors on all the Reports except for my Transunion where it is still Collection/Chargeoff and is hurting my credit dearly.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

The most immediate issue here is a FCRA violation by the current servicer, NewRez LLC dba Shellpoint Mortgage Servicing, by illegally reporting to two CRA 's - XXXX  and XXXX  - that my account is in arrears. The illegality here is due to the fact that I have not made any payment to Shellpoint EVER, and the last payment to the prior servicer ( s ) was XX/XX/XXXX to XXXX XXXX XXXX , XXXX . The last date that this account could be legally reported would have been XX/XX/XXXX. 

This is also the SECOND time this has happened. They did the same thing in XXXX. 

The way they attempt to skirt the time limitation is to falsely claim that I entered into a modification agreement and made payments to them in XXXX and that my payments are " as agreed ''. This wrongly gives them the ability to publish a 120+ day delinquency on the account which seriously reduces my credit rating. 

I have written to the CRAs and, in fact, issued complaints against them here. I also faxed a letter to Shellpoint in my name, and my attorney contacted XXXX XXXX of XXXX XXXX in XXXX, NY, the attorney for Shellpoint/XXXX  XXXX  ( current purported owner of the Note and Mortgage ). So far, they have not responded to the CRA or to me, nor has Ms. XXXX responded to my attorney, XXXX XXXX, XXXX. 

This case began with a foreclosure filed on XX/XX/XXXX, which is still ongoing. We have won several recent motions, one of which required Shellpoint 's attorney to pay {$600.00} in costs to us and the other recent granted motion was to vacate their " Note of Issue '' and Certificate of Readiness for trial. This is a costly one for them to lose since they now must provide meaningful discovery and then pay again the filing fee for a Note of Issue. I believe an argument can be made that the conduct is not only repetitive but retaliatory. 

The initial case was brought by XXXX XXXX XXXX , XXXX and was based, I believe, on a scam similar to ones cited in your File No. 2015-CFPB-0019 consent order against this company ( which is now essentially out of business due to your efforts ). They had received my mortgage from XXXX which had serviced the account and with which I never missed a payment ( as I did not with XXXX  until they involved me in their escrow scam ).
Consumer complaint received 2019-10-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

According to XXXX, XXXX, XXXX  's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (NV)

Complaint concerning Sunlight Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Since XX/XX/XXXX, I have reached out to the company 's billing and contract management team regarding my Solar loan account. The amount of my contract has stay the same and I have been making timely payment of XXXX for 17 months {$1300.00} which {$1300.00} has gone to interest and approximately {$44.00} to principle. The contract under paragraph Interest, promise to pay, was for an annual rate of 4.99 % for twenty years. I have timed unsuccessfully to reach out to the company and request what paragraph states that I would have to pay interest first. 
The billing department can't explain the principle amount and why 99 % is going to interest which only started in XXXX. I need to understand why I am paying all financing charges up front and where in the contract that I agreed to this. Your assistance is appreciated.
Consumer complaint received 2016-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (ME)

I refinanced my home mortgage loan with Quicken Loans back in XX/XX/2018. In XXXX I received a letter stating that my Escrow account was $ XXXX dollars short. Part of why it happened is they received notice from XXXX XXXX that I might be switching to a home insurance policy that costed approximately {$150.00} more than what I was paying at the time I took out the loan. I called Quicken to say that I was not changing my insurance and to question why there would be a shortage when my old home insurance did in fact go up $ XXXX, but the tax payment was exactly what was stated at the time the loan was taken out. It seemed and seems to me that they didn't give me an accurate account of what my monthly payment would/should be. The Quicken person said that they'd be reevaluating my escrow account and would send me a report- this said I owed them {$430.00} and my monthly payments would go up about {$40.00} a month. It seems like there was a misrepresentation of what I would have to pay since nothing has changed significantly since the time I took out the loan in XXXX. They either miscalculated or this is something they pull to further entice people.
Consumer complaint received 2019-09-26
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (WA)

I am writing to ask that you look into the predatory banking practices of Discover credit card. 

I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached.

I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report.

Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it.

I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me?

In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is  going on?! 

I am a senior citizen with pristine credit. I've never missed a bill in my life! 
Are they randomly targeting seniors?

I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product.

4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information.

Please investigate this as it is clearly predatory activity.

Thank you. I look forward to your reply.
Consumer complaint received 2020-02-24
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. (NJ)

It has now been over 30 days since Transunion received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.
Consumer complaint received 2021-12-02
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: ENCORE CAPITAL GROUP INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I've received a piece of communication from Chase, requesting me to provide the supporting documents, which for the record I have and had, in order to resolve the claim XXXX for the charge of {$1300.00}, posted on XX/XX/XXXX with 'XXXX  '. On XX/XX/XXXX I've successfully submitted required documents - such as, but not limited to, return shipping label, tracking info, supporting documents from XXXX and sent them to previously provided to me by a representative an email address - XXXX. However, on XX/XX/XXXX I've received another piece of communication that the case has been decided in merchant 's favor due to 'not getting any supporting documents proof. As a proof of my statement, I enclose all the supporting documents in this inquiry, altogether with a screenshot of a successfully sent email to Chase. Therefore, I'm kindly requesting
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

My property loan was sold to Statebridge company, so they became the new loan servicer. I didn't know they were the new loan servicer until my credit report dropped 100 points because they reported me over 90 days late. They had never sent me anything, and I had been making regular payments to the previous loan servicer. So far, they have charged me a late fee and ruined my credit even though its their fault. When I make a payment online to them it is rejected but I don't know why. I have also just received a notice from my insurance company that my homeowners insurance has been cancelled for lack of payment because Statebridge didn't pay it. When I called Statebridge I was told they didn't know they were supposed to pay it even through I pay into an escrow account every month for it. I had to pay it myself to reinstate my insurance. I think they are intentionally not sending out correspondence, not sending out statements, and intentionally not paying insurance, to rack up fees and foreclosures. I have contacted them by phone or email but still have not had a satisfactory response.