davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

I writing to file a complaint about Amsher Collection Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a debt collector trying to collect a debt in the amount of {$320.00} in which the original creditor is XXXX. I have contacted Amsher Collection Services on XX/XX/2022 and XXXX on XX/XX/2022. 
The problem is this XXXX was opened in the name of XXXX XXXX XXXX XXXX. which is an XXXX corporation but Amsher Collection Service has attached this debt to my personal credit profile. When I contacted them and requested that this account be removed from my credit report. Their representative told me that she didnt know what to do about it and she had to ask a supervisor. She never returned to the call and hung up on me. I called back and was redirected back to the same personal who number went straight to voicemail. I left a message but my call was never returned. When calling XXXX I was a first hung up on when I first tried to resolve this situation but on my second call in for in touch with a representative named XXXX who also agreed that this account was opened in the name of a XXXX corporation and should not be showing on my credit report. He said he made a request that the account be deleted and XXXX would stop all future collection actions for this account. He stated he would give me a callback on XX/XX/2022 at XXXX XXXX. Although, to date I havent heard anything back from XXXX or XXXX. I have disputed this account with all ( 3 ) bureaus but has yet removed this account from my credit report. 
XXXX has to date validated this account as accurate but has failed to explain how being that the account was opened by a corporation using an XXXX number for the business. I have forward a copy of the bill to XXXX in the name of XXXX XXXX, XXXX. along with a copy of a tax filing for the business which was an XXXX form filing to shown that this business is and has always be a corporation. However XXXX once again validated the account as accurate. They and all your help in resolution of this matter is greatly appreciated. 

Thank You, XXXX XXXX, XXXX
Consumer complaint received 2024-03-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-27
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. (NY)

Transunion clearly violating FCRA laws. Transunion stated they verified the accounts but provided no proof. Deleted 2 accounts but ignored the rest. All the incorrect items need to be removed
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION (OH)

XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.
Consumer complaint received 2018-02-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

This bill was for a hospital stay at XXXX XXXX XXXX XXXX XXXX in 2019, but my insurance has paid this invoice to the originating company. A separate company called ARS then began calling me 2 days after the hospital stay in XXXX had ended requesting further payment for a medical debt. My insurance information was then provided again, and my insurance was notified. The company ARS continued to call me several times and then began to interrupt me and not allow me to speak during calls. One representative named XXXX also told me that it didnt matter what insurance I had, I owed them and I was going to have to pay them or they would add it on my credit. I then told them not to contact me, but I was still later contacted both by phone and by mail. My insurance has paid all necessary funds to both the hospital and all adjusters involved, and has provided receipts to this company but it has not been removed from my credit and they refuse to receive any information except a check.
Consumer complaint received 2022-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (AL)

I was talking with my personal banker at PNC Bank in XXXXXXXX XXXX  about trying to resolve some personal debt, and she recommended a HELOC to consolidate my debt and pay off credit cards. everything we discussed was a {$320000.00} fixed rate HELOC with the only difference between it and a mortgage was that this wouldn't have an escrow account to pay my home owners insurance and property taxes, I would be responsible for that on my own. At the time I started and completed the application XXXX XXXX XXXX XXXX time frame ), I was told my fixed rate was LOCKED in at 4.28 % while we went through the entire process all the way to closing. It took 5-6 weeks to get to closing ( middle of XX/XX/2022 ) and the day before we closed, my loan officer from the PNC cooperate office called and told me the rate was 5.44 %. I called my personal banker at the PNC XXXX branch and told her it was different than what we had been discussing the entire time, but she went to her higher ups and got confirmation that the rate was locked in at 4.28 %. When we went to close, some forms said 4.28 % and some said 5.44 %, but my personal banker had gotten confirmation and we ( she, me, and the other PNC employee who was there at signing ) discussed that the rate was 4.28 % fixed rate. I signed and everything was good to go! My first statement even shows 4.28 % on the initial line of credit, but it shows the interest rate being at 5.44 %. Then the loan shows up on my account and is showing that I owed what would be 4.78 %, despite showing everything we had discussed with it being 4.28 % fixed rate. When I questioned the corporate office, they said that the " prime rate '' had increased between when I applied and when I closed ( even though I was notified and NONE of my paperwork said anything about 4.78 % ). After my first payment, I noticed that the payment amount was not 4.78 % interest, but actually 5.44 % interest. After much back and forth with my personal banker and the corporate office, they say I am stuck at 5.44 % even though there are call logs and all the paperwork showing between me and other PNC employees with us discussing that the rate is 4.28 % fixed rate. The local PNC bank has been extremely helpful and I feel that they are fighting to help me, but the corporate office is not being helpful or fair at all. My personal banker, the other PNC employee who was at signing, and myself were ALL under the impression that this was a 4.28 % fixed rate loan. If I were to keep this loan for the 30 years I would be paying an extra {$75000.00} because they took advantage of the situation. In the beginning, I was told this was 4.28 % fixed rate and it has changed twice without notice ( i have paperwork showing this ).
Consumer complaint received 2019-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I recibe a compliant response from this new mortgage company and as with XXXX XXXX XXXX they are started to lie and not answer my complaint 1 amount they say I owed no prove no prove why they keep changing the amount their new amount is {$1500.00} they claimed I missed this payment 4 years ago!!! XX/XX/2015 at the time I was paying what the court say or they presented to the court remember everything was force by the court they have already add XXXX to my mortgage a house that was worth XXXX if you see the partem fraud all around as forced me to signed a so contract by the way a contract is done when 2 parties agreed into it but my low income and situation dose not aloud me and their called loan modification help only sink me more into their fraudulent now the house has gain some value they change to a new this shellpoint Mortgage Services and this people same or worse playing the same tune 2 they keep lying about a bankruptcy with a forge paper you can see how they add with a formal paper with a pen that says a lot about them and the third question was why they send me a papers for a loan modification what happens to the loan modification they supposed to know I was in before they got this loan why they do not know anything or have any papers from this loan break down
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (AL)

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( copied from affidavit )
Consumer complaint received 2018-02-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My home was damaged by water in XX/XX/XXXX, mitigation services were completed, as was the repair work. I was issued a final insurance check inXX/XX/XXXX, which had to be sent into CHFA. I called CHFA to confirm all of the steps that needed to be taken and I sent in the check. They then called to tell me the check is being sent back because the proper documentation was not provided ( which was never discussed in the phone call ). I returned their call to confirm, twice, which documents they needed. I supplied them with the documentation that was requested. I then called to confirm, again, that they had received the documents and that everything was set in order for them to release the money. I was assured that they had received everything they needed and that they would issue me two separate checks, one for the mitigation company and one for me. They then sent me a partial check ( XX/XX/XXXX ), one third of the insurance check to be exact. When I called to inquire about it, they told me not all of the proper documentation and been received and that they will only pay out in increments and not issue the full amount. On top of more documentation, they also are now requesting an inspection that the work has been completed, which was never once discussed when we communicated about the issuance of the check previously. My home has also been refinanced with a different company, and CHFA is holding money from me for a home that they don't even own anymore.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (CA)

I applied online for an auto loan on Monday XX/XX/XXXX. I was applying to purchase a new XXXX. Nowhere in the application process did it say anything about not being able to finance a XXXX. XXXX allows third party financing so I thought I would go through my bank to finance the new car. After being approved for a {$68000.00} purchase I reached out to let them know that this was a XXXX and the delivery date may be later than the 30 days. After US Bank pulled my credit report and approved me for the loan they came to me 2 days later and told me that this loan was not eligible to purchase a XXXX. Again, nothing in the loan application stated that this was not possible. I spoke with a number of people at US Bank who all had conflicting answers. Now in order to finance the car I have to reapply through XXXX financing and they will have to pull my credit again. This definitely has a negative impact on my credit score and I really do not think this is right or justifiable. If I had seen any information in there explains that XXXX cars were not eligible I would have taken a different action.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX dealer services  is damaging my credit by reporting a XXXX charge-off on an auto loan ( XXXX XXXX dealer services, partial account XXXX .... ) the original charge-off amount was for XXXX dollars which XXXX says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of XXXX XXXX, XXXX  owed me XXXX dollars since XXXX for insurance charged that I didn't need.XXXX  discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
XXXX has " discovered '' they have owed me XXXX dollars since XXXX..XXXX  sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET XXXX XXXX WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE XXXX HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

These dates I paid for a XXXX loan in the amount of XXXX each : ( origination date : XX/XX/XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and I was notified that the document I signed online required 5 payments with the 5th one being due on XX/XX/XXXX. I called Ace cash express concern about cost of loan and asked them why I was making 5 installments in the amount of XXXX for this XXXX loan. They told me it was fair because I could have paid it off at anytime without further interest charges, however, if I had that much money I wouldn't have borrowed money in the first place. My question is, " Why is this not predatory lending, trapping the poor? ''
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

For the last two months i have sent 4 faxes with all my personal informatio, spent hours on phone with equifax are on hold. And they still havee not recieved my info, they told me a man in XXXX was assigned my social security number and i needed to file for a new one, however that is not the case after going to social security office. Equifax put that guy in california in the system with my number.
Consumer complaint received 2023-08-01
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I own a condo in FL with a mortgage rate of 6.56 %. In XXXX 2019, I contacted Amerisave Mortgage to apply for a refinance and was told the rate would be 3.8 % .A great deal of paperwork was faxed and emailed. I had been asked what my gross monthly pension check was and my gross monthly social security check was. After being told everything looked good I was asked to pay {$XXXX} for an appraisal fee, which I did. After that the underwriters received a copy of my tax return and I was told the mortgage had to be rejected because a portion of my social security was subject to taxes ( however no tax was paid-enough had been paid by my pension ) I strongly suspect this company could not place my 3,8 % mortgage and I requested a refund for my {$XXXX} appraisal fee..of course they refused
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TN)

My status changed before adding last 2 loans I only get paid monthly On both loans when I took out I asked to make sure I was only down for once a month on the XXXX I was told yes I continue to receive emails about being late on the XXXX of the month Now I am going to Social Security XXXX and paid on the 2nd Wednesday of the month. 
I spoke with collections today as they called me I was told they couldnt correct and was not their responsibility to get to the correct person to have changed. 
Yesterday I sent an email to customer service XX/XX/XXXX Today, XX/XX/XXXX I forwarded and sent an additional email with explanation of phone call, I received 4 phone calls yesterday XX/XX/XXXX which I didnt answer plus they left no voice mail. This was also explained on the phone call todayXX/XX/XXXX I would like - my payday changed to correct day one time a month Permanent -corrections to credit bureaus from Speedy Cash -corrections and reimbursement to my line of credit loan only for monthly payments and any additional fees they have charged
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (FL)

Iv'e tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, i need to resolve this situation immediately.