davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I cancelled my contract with XXXX XXXX and then the hurricane hit us and I was postponed mailing the equipment back. The equipment has since been returned and the balance is at XXXX. I paid my final bill with XXXX XXXX when I cancelled the account. I was never sent a bill from XXXX XXXX and only saw a collection account on my credit report for the debt. I was a loyal XXXX XXXX customer for years and now have a collection account from a company that has never contacted me, only negatively notated my credit report.
Consumer complaint received 2019-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OR)

XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment. 
Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment. 
Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from XXXX XXXX in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX  and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX is so intense that I was not allowed during that time to use my credit at all and was being XXXX XXXX XXXX XXXX. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX XXXXXXXX as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as XXXX XXXX is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (MI)

Iv tried to speak with the company multiple times about the violations of improper reporting of my account. The CRA 's are now being held liable for all the violations they are reporting from the company of XXXX XXXX XXXX
Consumer complaint received 2019-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I CALLED THE COMPANY RUSHMORE LOAN MANAGEMENT TO GET THE EXACT AMOUNT FOR MY REINSTATEMENT OF MY MORTGAGE SINCE XX/XX/XXXX ( FRIDAY ) WE HAVE BEEN CALLING THEM DAILY BUT UP TO THIS TIME THEY DONT HAVE THE EXACT FIGURES, THEY GAVE US THE NUMBER OF THE FORECLOSURE LAWYER ( XXXX XXXX ) BUT IS NOT PICKING UP OF CALLING US BACK, WE HAVE AUCTION DATE OF XX/XX/XXXX, I DONT UNDERSTAND HOW LONG WOULD IT TAKE TO DO A COMPUTATION, THEY SEND ME BEFORE A REINSTATEMENT AMOUNT BUT ITS ONLY GOOD FOR XX/XX/XXXX, SO WE NOW THE FIGURE, JUST NEED A LITTLE ADJUSTMENT, UNLESS THEY ARE DELAYING US INTENTIONALLY OR DOING SOMETHNG ILLEGAL, PLEASE HELP MY FAMILY SAVE MY HOME
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to  report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

As a XXXX provider and in contract with XXXX XXXX County XXXX should not charge anything extra and is to accept the payment from XXXX as the full amount. The XXXX listed on my credit report as being charged off is incorrect and i have not seen a bill explaining any charges and showing any payment from XXXX. I also had and have a supplemental policy that should have taken care of anything else. however, they will only pay when a company is not a XXXX   provider. XXXX always comes first. this was sent to a collection agency Merchants and Prof Collection Bureau ..not sure of address or itelephone number
Consumer complaint received 2019-04-15
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. (MO)

Due to the the response of the initial investigation of the 3 major credit bureaus, I'm now demanding the Method of Verification used in the investigation of the following re disputed accounts within this writing that's now being disputed again. It is my rights, my consumer rights to know the details of the investigation. What is the name of the employee who investigated this, what's their title and whom did they contact and how. What physical certified documentation used to substantiate these accounts. If you or your company can not provide such information in a timely manner then these accounts shall be blocked immediately in accordance with the FCRA. Please remove these accounts inwhich is not mines, accounts inwhich I have no contract with. These accounts are fraudulently put on my report and I would like them block permanently and immediately. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$5600.00}, ( 2 ) XXXX   XXXX {$2800.00}, ( 3 ) XXXX XXXX XXXX {$2400.00}, ( 4 ) XXXX XXXX {$680.00}, ( 5 ) XXXX XXXX XXXX {$140.00}, ( 6 ) XXXX XXXX XXXX {$680.00}, ( 7 ) XXXX {$72.00}, ( 8 ) XXXX XXXX XXXX {$71.00}, ( 9 ) XXXX XXXX XXXX {$30.00}, please remove these accounts.
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a dispute on a collection account that does not belong to me to TransUnion on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. On XX/XX/2019, I receive TransUnion 's decision regarding my dispute, and they " verified that this item belongs to you ''. Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.
Consumer complaint received 2022-08-18
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. (CA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Consumer complaint received 2023-07-14
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: JPMORGAN CHASE & CO. (PA)

JPMorgan Company XX/XX/ Applied for an XXXX credit card in XXXX. XXXX. wrongfully filed a hard inquiry without my permission, which has effected my credit score greatly.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As most people are I was odviously out of sorts when they rushed me to haon in a neck brace after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (UT)

Yes the assurant from Equifax told me that they were going to reimburse me the loss and all the issues I have been passing for this mistake in the Data breach with Equifax plus that I have the trusted ID premier they told me that will covered the fraud and identiry fraud but after a month no body call me back they ask me for all the documents and I did send it but know they say they didn't get it and I have the proof that the company signed for the documents I just want to Equifax keep the promises about my identity fraud
Consumer complaint received 2022-08-18
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: Bread Financial Holdings, Inc. (MD)

I have been trying to get this company to give me an itemized billing statement about the debt they claim I owe and they continue to give me shady responses, prolonging the process. I have sent numrerous letters to the creditor and they respond by stalling or sending me in circles. The last letter I sent was in XXXX and they responded with a letter stating verified but there is no proof.
Consumer complaint received 2019-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

This is my 3rd request to the CFPB ( Consumer Financial Protection Bureau ) and 2nd request to obtain information for the below mentioned dates. 

I hereby request a copy of every and all mailed Periodic Statements to me during the following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Beginning in XX/XX/XXXX, I was informed that the FDIC Office, designated to address all matters pertaining to the failed XXXX XXXX/XXXX XXXX, was scheduled to closed. This, I was told over the phone on the same day as it was announced to me that, the last 5 loans where sold. The new Loan owner, was bound by law, to establish contact within 30 days. When asking for Name and contact information, I was told that she, my FDIC Contact representative didn't have that information, she only new that the office was to be closed by the end of XX/XX/XXXX and It was the Law that the New Loan Owner would contact me with in 30 days. 

When I didn't receive a my periodical scheduled Statement, I became nervous and the 1-800 number to learn who to make my payment to? But I was told that the 30 Day 's did not begin until XX/XX/XXXX and I should be patient! 

I became exceedingly nervous and shared my concern with my employer, The City attorney of the Town I live in. A matter fact, I decided to seek councilI with anybody I though could help me understand what was happening. Everybody believing that the due process is to wait! 

XX/XX/XXXX came and still no contact with the new loan owner. This continued till XX/XX/XXXX, when RoundPoint send there 1st statement! 

Today, I believe to know the name of the highest bidder, XX/XX/XXXX, was XXXX XXXX XXXX ( XXXX ). I believe that XXXX XXXX XXXX failed to forward periodical scheduled Statement and therefor walked away from my contract! 


Press Release XXXX XXXX XXXX XXXX FDIC Announces Winning Bidder .... 
The FDIC has signed a bid confirmation letter with XXXX XXXX XXXX ( XXXX ), ... 
XXXX XXXX XXXX Thank you for your diligent in this matter.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (AZ)

On XX/XX/XXXX I was alerted by XXXX XXXX that Contract Callers Incorporated reinserted a previously deleted debt. Contract Callers Incorporated reported the collection date as XX/XX/XXXX. I believe this is an attempt to falsely reset the statute of limitations for debt collection. I was never notified about the reinsertion. I called and requested the false information be removed. Contract Callers Incorporated has refused to remove this falsified report.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

Freedom Mortgage sold my loan to XXXX in XX/XX/2019. Since I have arranged auto-pay from my billpay account, the XX/XX/2019 payment has been processed and paid to Freedom Mortgage. My bank has sent the proof to Freedom Mortgage that payment of {$1100.00} has been remitted to Freedom Mortgage on XX/XX/2019. However, this {$1100.00} has not been post to my mortgage account at Freedom Mortgage or XXXX. I have tried to contact Freedom Mortgage regarding this 'overpayment ', but as of XX/XX/2019, they still have not contact me and return this 'overpayment ' to me.
Consumer complaint received 2019-04-15
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. (IN)

( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to XXXX, XXXX and Transunion. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX & XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from XXXX, XXXX and Transunion via certified mail/return receipt : ( Attached as rd.1 letters ) XXXX  : Signed for XX/XX/XXXX XXXX  : Signed for XX/XX/XXXX Transunion : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2. XXXX 3.  XXXX 4. XXXX 5.  XXXX 6. XXXX 7.  XXXX 8. XXXX 9.  XXXX 10. XXXX 11.  XXXX 12. XXXX 13.  XXXX 14. XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (GA)

In the month of XX/XX/2018 I agree to allow American Express to debit the balance owed in two payments. The two payments of XXXX XXXX on XX/XX/XXXX and the second one for XXXX for one week later to pay the balance of the Amex Account. 
The payments were not posted as directed over the phone, the exact balance of the amex bill was deducted from my state Bank account. for a total of XXXX. I have repeatedly reported to Amex to no avail. This account has been unfairly and incorrectly reported to the three credit reporting agencies negatively and in collections. Can you help?
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (TN)

On XXXX I mailed certified a dispute letter to Equifax. They received it on XXXX. To this day I have not received my investigation results. They have 30 to investigate my dispute. I called on XXXX and they stated they didnt start the dispute process. That is violation of fcra laws. I need for all accounts included in that dispute to be deleted.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date : XX/XX/2014 Amount : {$2200.00}
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (TX)

I went to a emergency room for medical problems that I was having The veterans administration paid both bills and notified myself that the bill had been paid in full. I then looked at my credit score and it had dropped a substantial amount because the bill was turned over to PMAb collection agency and in turn they posted on my credit report as a collection. I have tried to contact the XXXX XXXX hospital to clear this matter up and to tell them I had paid the bill on there website but I have had no success. My credit fell dramatically and is hurting my buying power.
Consumer complaint received 2019-04-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United PanAm Financial Corp. (CA)

Repeatedly called my cellphone before XXXX post and when I spoke with one supervisor about it, she thought it was funny but according to the last supervisor I spoke to, my account was never documented. Also called back to back on the same day leaving numerous messages one of them in a threatening manner.