davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Sent a letter to Transunion on XX/XX/XXXX and Transunion received it on XX/XX/XXXX via certified mail. 

According to The Fair Credit Reporting Act, Transunion has never gotten any written permission from me, the consumer, the natural person pursuant to 15 USC 1681b ( 2 ) stating in accordance with the written instruction of the consumer to whom it relates.

Transunion doesn't have a document or anything with my signature giving them the right to furnish things on my consumer report, I've given them 30 days but in all reality, it shouldn't take them that long, i want this account removed Immediately U.S. Dept Of Vets Affair Account # XXXX Also stated how they violated my privacy, by exchanging my information for years. 

They either Don't respect the FCRA or They failed to educate themselves, They basically are reporting things for money with no respect, privacy and fairness to the consumer.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCalla Raymer Leibert Pierce, LLC (CT)

I received a withdrawal letter dated XX/XX/2019 from the law firm of McCalla, Raymer, Leibert, Pierce, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to XXXX XXXX XXXX  on XX/XX/2019. After that date, I received a letter from McCallas employer, XXXX XXXX stating their attorneys wanted {$1900.00} more. I called & emailed the McCalla firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed XXXX XXXX many times regarding the fees. XXXX will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want McCalla to show me in writing what the charges are for & the dates when all these extra charges occurred. XXXX XXXX contact is XXXX XXXX. Tel # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. McCalla law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (VA)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I reviewed my credit report on XX/XX/2020 and I noticed a collection account from ERC on my credit report for XXXX XXXX bill. I was unaware that I had a balance with XXXX so, I contacted XXXX. Although I didnt remember owing XXXX for service, I submitted and XXXX accepted the payment. Since XXXX accepted the payment, they should have recalled the account from the collection agency -ERC. I filed a disputed via XXXX  for the collection account and ERC verified the debt as valid debt and a valid account for collections.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (AZ)

Better.com has a price match offer on mortgage rates and closing costs. Please the page below for the " fine print '' ( attached as well, in case they update it with " exclusions '' ). 
https : //better.com/faq/better-guarantee/whats-the-fine-print Unfortunately, the fine print does not mention exclusions, which after working with a loan officer privately, mentioned the loan estimate I presented, which I was told they could not beat the offer, added that my estimate is ineligible for the price guarantee.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has refused to cooperate with me to get a loan modification that will be permanent. After my work accident two years ago, I have been put on XXXX by my doctor and XXXX. It has been difficult for me to make payments and I have fallen behind due to my work accident. Now I am facing foreclosure and Bank of America has not done anything to help me with my financial hardship.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

On XX/XX/XXXX, I requested an ACH principal only transaction in the amount of {$16000.00} at my Mortgage Servicer XXXX XXXX. I requested this amount be transferred from my account at XXXX XXXX XXXX. On XX/XX/XXXX, I saw that the payment was returned NSF. I knew there was enough in the account to accept the transaction at XXXX XXXX XXXX. I then called and spoke to customer service about the transaction at XXXX XXXX XXXX. The confirmed that the account did have sufficient funds to accept the transaction. They then searched their records for an ACH during the week of XX/XX/XXXX to XX/XX/XXXX in the amount I requested. They did not find any ACH requests during this time. They suggested that I call XXXX XXXX and get the ACH trace number so they can find what happened to the transaction. 

I then called XXXX XXXX, also on XX/XX/XXXX. I explained the situation to them. The Customer Service rep I spoke to said they had no ACH trace number attached to the file, and as such, they would refund the {$15.00} fee they assessed my account. This refund would occur in 3-5 business days. 

On XX/XX/XXXX I checked my account to verify the fee had been removed. It had not. I then called XXXX XXXX a second time. I spoke to a Customer Service Agent who told me that there was no trace number. I was then told there was a trace number, but they would not give it to me. Either way, my {$15.00} fee would not be refunded. I told her that their company is required by ACH rules to disclose the trace number so that my bank could research the situation and find out what went wrong. I was told no. there is no way they will give me the information I need to solve this issue. 

At this point, I do not believe XXXX XXXX put my ACH request thru and are covering themselves. I have spent over 3 hours on the phone concerning this as well as the time to lodge this complaint. I am requesting the NSF designation be removed from my account and the fee refunded.
Consumer complaint received 2020-02-26
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: CITIBANK, N.A. (CA)

I was notified of a inquiry on my XXXX credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a XXXX agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... XXXX  IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.
Consumer complaint received 2015-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Attempted to electronically payoff Bank of America HELOC, funds were sent from my primary bank, XXXX. After XXXX days, and confirmation from XXXX that funds had been sent, BoA claimed they had not received the funds ( told me it had likely been lost in mail ) and to cancel payment and resend. I cancelled the check on XXXX XXXX. 
For my XXXX attempt, I mailed a check with payment stub to payoff majority of account. Payment of {$10000.00} was debited from my XXXX checking account on XXXX XXXX. I called BoA on XXXX XXXX to understand why the HELOC had not been credited at which time they told me they had no record of the payment. I faxed copy cleared check to BoA and am waiting for resolution. 
My concern is that I did not " Recieve Prompt Credit for Payment '' which was debited from my account. Under most conditions, I would not have resorted to this level of escalation, but this has been drawn out for a month with little to no assistance from BoA.
Consumer complaint received 2023-01-13
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

Referecnce CFPB Complaint : XXXX and XXXX This company has NOT provided any validation of the debt in question. Written proof from the provider and Debt Collection Company have been requested multiple times and no infomration has been provided. The debt company is in within the terms of FDCPA and FCRA. 

Mulitple requests have been made and no proof has been provided. 

I will continue to dispute this alleged debt with the collection company via the CFPB and all Major Credit Reporting Companies until the collection company removes the debt from my credit report. 

They have clearly violated and not followed the rules set forth from regarding the FDCPA and FCRA Regulations.
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (FL)

Equifax ; XX/XX/XXXX and XX/XX/XXXX are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ XXXX XXXX has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$6900.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Consumer complaint received 2020-02-26
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. (WA)

XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (TX)

I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (PA)

CitiBank has been negligent in refunding money that was fraudulent taken from my account. Allowing my account to be hacked was their responsibility. 
Money lost : XX/XX/2021 - criminal used my account to pay his credit card bill {$2600.00} XX/XX/2021- wrote a fraudulent check from my account {$3000.00}
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

To begin, I tried contacting XXXX XXXX to retrieve details on information on this credit account. They told me it had already been sent to collections with Jefferson Capital Systems , LLC, and that I would have to contact them directly to review and resolve my account. I also tried to login to XXXX XXXX website using my login information, and they have removed my access and account entirely which has refrained me from any access to review this credit account and details of information associated with my credit account. 

This account opening date is incorrect. The date listed that it was opened is on : XX/XX/XXXX. The correct opening date was on : XX/XX/XXXX. I also know that the amount owed is incorrect. I attempted to contact the company to dispute the errors on XX/XX/XXXX. When speaking with the representative, I tried to explain the errors of information that were incorrect on this credit account. The representative proceeded to not listen and continuously ask me how I was going to pay off my balance. We argued back and fourth. I told the representative that I wasnt calling to pay my balance, I told the representative that I was calling to dispute the errors. The representative would not listen or acknowledge what I was saying by completely ignoring my questions on dispute and instead aggressively asking when I would pay my balance. I finally said that I was not paying anything until the errors on my account were disputed. The representative proceeded to tell me that if I did not pay my balance that day, XX/XX/XXXX, that the representative could not guarantee that my credit report would not be further impacted from refusal to pay. I then proceeded to tell them that I wasnt refusing to pay, I corrected the representative by saying that I was refusing to pay until my dispute concerns regarding the incorrect information on my credit account were resolved. The representative then told me that if I do not pay by XXXX that day, XX/XX/XXXX, that my offer amount to resolve my account would not be valid and that it would further impact my credit negatively.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Consumer complaint received 2015-05-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (FL)

On XX/XX/2024 I did transaction ( send money to XXXX ) with Xoom company ( XXXX owner ) transaction # XXXX for {$1000.00} dls we supposed to take this money on XXXX company in XXXX, it was not successful and I cancel this transaction, after I did second transaction same day # XXXX for {$1000.00} to take the money in XXXX, this transaction was successful and I take the money that day Xoom system was taken my money from both transactions my checking account was charged for over fee 3 times cause not enough money for 2 transactions same amount I believe system didnt recognize first transaction was cancel and they try to charg me for both day after Xoom company just block my account saying I own one transaction for {$1000.00} dls and still they calling me, one of this call I was very clear with the person I was talking on the phone and I ask I really own this money and she says NO but I need to pay and after couple weeks they will send money back I dont wan na pay something I dont own it was system mistake and they have to correct, they just block my profile and now they put me on collection for not reason. On XX/XX/XXXX i speak with someone again, this woman send me email and she says i need to send back with my bank statement showing what transaction they charge me, same day I send the bank statement with not answer they never check my email today they call me again asking for this money I ask for proof of what transaction I take the money and own they refuse I just wan na clarify this situation im trying hardly to keep my credit health and Im scared this company will effect to me with no reason