davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2019, I received mail from multiple sources informing me of credit card accounts that had been opened, activated, and used in my name. I had not opened any of these accounts and I realized someone had done this fraudulently. I began contacting the appropriate businesses to notify each of the fraudulent nature of the spending, I froze my SSN with the major credit reporting agencies, and I filed a police report with my local police department providing them with all of my relevant documentation. I have since requested credit reports from each agency and I have updated the police case file with additional evidence that has come my way regarding other fraudulent activity. 

Throughout the fraudulent activity, over {$4500.00} was spent in my name in at least three different accounts that were opened at various large retail outlet stores including XXXX XXXX, XXXX XXXX, and Dick 's Sporting Goods, through store credit cards accounts ( financed through XXXX and Synchrony Bank ). At least one week passed between the first fraudulent activity and the date when I got the first bills in the mail which alerted me to the situation. As for breach of personal information, it is my understanding that my name, address, cell phone number, and social security number were all included in whatever information was taken and used against me in this case of identity theft.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OLIPHANT FINANCIAL, LLC (GA)

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.
Consumer complaint received 2019-09-10
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. (NV)

I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX   XXXX  5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Transunion states the information is verified by XXXX but refuses to acknowledge my several documents sent via mail to them showing proof from XXXX they are not reporting a bankruptcy. I've disputed this fraudulent bankruptcy so many times that Transunion has revoked my access to dispute via their online access. Each written submission I've submitted via mail has only received copies of my credit report in return. I sent information to Transunion via mail from the XXXX District Georgia Court that they do not provide access to their records regarding judgments and was ignored once again by Transunion. XXXX states they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' I was informed on XXXX behalf to ask how Transunion is obtaining their information? As well as if this information they've received is from their verified or unverified department? If Transunion is using unverified public records from XXXX they are violating this act and my right as a consumer. If they state to use verified then they're no such record of a bankruptcy. Attached is XXXX report stating they do not contain the information Transunion is stating they provided.
Consumer complaint received 2018-08-07
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. (TX)

Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.
Consumer complaint received 2019-01-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC (IL)

A loan was taken out in XX/XX/XXXX for {$1000.00} by XXXX XXXX. The loan payments were made for about 6 weeks totaling roughly {$500.00}. After that, XXXX was unable to make any more payments on this loan and defaulted. He was contacted in XX/XX/XXXX by XXXX XXXX XXXX on behalf of XXXX XXXX in attempt to collect on the loan. A settlement was reached of {$310.00} and would be paid by three payments. The settlement was paid and assumed a closed matter. Fast forward to XX/XX/XXXX and XXXX is now receiving calls on this debt from XXXX XXXX XXXX XXXX in an attempt to collect. XXXX has sent them the settlement release form that was received from XXXX XXXX XXXX and they are not attempting to resolve this. XXXX considers this debt to have been resolved inXX/XX/XXXX and is not favor of harassing calls 2 years later after hearing nothing since XX/XX/XXXX.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

We have received a letter from Selene Finance regarding the escrow shortage amount of {$750.00} on XX/XX/XXXX. 

On the letter shows I need to pay {$750.00} or my monthly payment will increase {$62.00} a month. 

Selene Finance took over my mortgage service since XX/XX/XXXX and started causing problem. 

At the time Selene Finance notice us the escrow shortage of {$750.00}, we received a check from previous title company shows that there was {$750.00} left in the escrow account. 

Selene Finance does a poorly job and keeps telling us it is due to COVID.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates (NE)

In XX/XX/2010 Greentree serviced my loan. Two years ago I discovered that there was a class action lawsuit against them. I sent emails to people claiming that they were representing victims but I never heard from them. I can share more details but I feel I was a victim of predatory lending practices. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/2019 I received a loan modification package from Specialized Loan Servicing that I requested for me to reaffirm my loan. Then on XX/XX/XXXX I received another letter stating that I was denied due to having equisetum in my home and that my only option was to do a short sale. I was never given the opportunity to explain why I fell behind on my payments and what I can do now to rectify my loan. On XXXX I submitted an appeal letter in writing with Specialized Loan Servicing asking for a second review. I was notified on XX/XX/2019 that I was denied again. Disputed my decade of hardships this company isnt willing to work with me and allow me to reinstate my second mortgage. My 1st mortgage is current. I dont want to sell my home and be out on the street.  Every person I have spoke with in this company has been very disrespectful and rude to me. Im not sure what else I can do to keep my home.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one filed a lawsuit against me, information about the court date are listed as posted by the sheriff. I had not lived at that address for 3 years, was in another state when my wages were garnished and I discovered I had lost suit to capital one. I should have been properly notified, and I now live in a state where wage garnishments for credit card debt is illegal.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2019 I attempted to apply for the American Express Delta Gold card with a promotional offer of XXXX advertised on XXXX. Once clicking, I was routed to American Express 's website where I received a system error on American Express 's side. I called and was told they could not find any offers. I then XXXX at American Express and was given another phone number to call. At that time I was able to apply on the phone. I gave the customer service all of my information, and the account was instantly approved. 5 days later I received my card with a {$1000.00} limit. I then called to find out why I received such a low limit yet was instantly approved and stated that there must be a mistaken given my high credit attributes and high income. I received a credit report from XXXX using XXXX XXXX only a few days before applying which showed a XXXX score, and stating that my credit was better than 76 % of the US. Given the oddity of this I asked if there was a mistake, however after being transferred 4 times I was told that no one could explain the result or if a mistake had been made, but that I could request a limit increase which would require another credit inquiry. I ask, in the span of 5 days, why would I need to risk damaging my credit twice in order to receive an accurate credit line or explanation commensurate to my attributes. As a final point, if the offer to receive XXXX requires a $ XXXX spend in 3 months, wouldn't it make sense that the limit be atleast {$2000.00} ... forget the fact that a family of XXXX couldn't get anywhere in the world and back for {$1000.00}.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (CO)

I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

On XX/XX/XXXX my husband and I signed a lease agreement with XXXX XXXX XXXX and put an {$800.00} refundable security deposit down. We were due to move in XX/XX/XXXX. On XX/XX/XXXX we put in 36 days notice that we would not be moving in and were told by XXXX XXXX that we would receive our deposit back as we provided over 30 days notice. On XX/XX/XXXX XXXX confirmed that the unit was re-rented. XXXX not only held our deposit, but also sent us to collections for {$1600.00}. XXXX XXXX charged the current renters, the new renters and us for the one unit. It is against California state law to charge more than one party rent for the same property. 

XXXX XXXX  also included a 30 day move-out guarantee within the lease agreement that included that the security deposit would be refunded if we provided 30 days written notice that we were vacating the property within the first 30 days of the lease. We provided this notice 36 days before the lease was even due to begin. 

Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX now holds the debt and every two to four months is entering the debt as a new uncollected debt. For four years and one month they have been entering the erroneous debt as a new charge off. Not only was the debt fallacious to begin with, but they have falsely resubmitted the debt over and over for four years. This is not only harassment but is also falsifying documentation.
Consumer complaint received 2019-01-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (PA)

Within the past couple of months, I have been getting phone calls from XXXX XXXX who apparently works for a XXXX XXXX XXXX XXXX. He leaves a recorded message : " This is XXXX XXXX with XXXX XXXX XXXX XXXX. I have a summons in hand for you. I am scheduled to go out to your home and place of employment within the next 24 to 48 hours.  Please make yourself available with two valid forms of ID. If you are served your summons at work, your supervisor or head of security will need to be available to sign off as a witness. Please be advised failure to sign for the summons may result in a missed court appearance. If you have any questions or concerns, you can contact the party that is filing against you at XXXX or you can press 1 after the tone to be connected directly. '' This loan that they are referencing is over ten years old. The vehicle was repossessed while I was incarcerated. 
They have no valid right to collect on this loan as it is dead. It has been charged off. This company is not the original creditor. I'm sorry they bought the loan for pennies on the dollar. I am not liable for it any longer. 
They have repeatedly called my house to harass me into paying this debt. 
They have contacted my friend via her wireless phone to say the exact same quoted words above. She pressed 1 and was connected. The person she spoke to told her that they were trying to collect on a debt I owed and that I would be sued and need to go to court to rectify the situation. 
I tried to call this company back. When a woman answered, I asked what company I was calling. She refused to tell me and told me to not call there again,. She then hung up the phone on me. I tried to call back several times and each time someone picked the phone up and immediately hung up on me again. 
I'm trying to call right now to get additional information on why they have been calling me. A XXXX answered and said the company was XXXX XXXX. When she confirmed my name, she placed me on hold. When she came back on the line, she told me that paperwork was already sent out. The last time they contacted me was XX/XX/2018 and this is when they said 24-48 hours a summons would be delivered. Nothing was delivered thus far. XXXX told me not to contact their office any longer because I asked them not to contact me or my friends. They contacted my friend XXXX XXXX AFTER I requested no more contact from them. I was just following up with that XX/XX/XXXX phone call. XXXX told me I was childish. I told her that her schtick was a scam. She told me she was going to file harassment charges. I told her to do what she needed to do as I would do the same since they have not ceased contacting me.
Consumer complaint received 2018-12-24
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. (AZ)

XXXX XXXX XXXX ... there are 3 instances of this with 3 account numbers. I have written letters and disputed it for 2 years. I had state medical insurance and they refuse to remove them. And when I demanded original debt paper contracts they did not provide anything with my signature. 
I then went to Experian and they say that this company certified to them that the information was correct, but Experian has no proof that it is valid. 
They removed one, that means the others should all be removed. 

And furthermore I have recieved 2 alerts from Experian itself of data breeches and that I was affected yet they refuse to take of these items that are damaging my quality of life when they have no proof and there system has been hacked and my information was stolen. I want every negative item off my report I also want my information to be private and removed from all 3 agency 's data bases since they can't seem to stop people 's information from seeing taken and then discriminate and violate my rights to have things crucial to surviving.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

Rocket Mortgage by Quicken Loans denied my loan application because of stated reason that I was ineligible for a loan. The date of this correspondence was XX/XX/2019. This reason sounded strange to me because my FICO score is over 800. When I complained to Quicken loans Client Relations department, I was sent an email on XX/XX/2019 stating that they are unable to provide me with a pre-approval letter because I did not provide my realtor 's email address. The correspondence went on to state that Quicken loans " ... need realtor information in order to move forward with a purchase approval, to ensure that we have strong communication with all parties involved and provide a smooth experience. ''
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is a continuation for complaint # XXXX. The special handling department asked me to upload the attached document for them to process the complaint. include XXXX XXXX XXXX XXXX, Account # XXXX - Account Opened : XX/XX/1993 original amount : {$93000.00} ; Balance : {$31000.00}. 25+ years account is to be added to my credit file. The account should NOT show any late payments in the last 12 months.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

I did not consent to nor benefit from the following accounts that are communicated on my consumer report XXXX XXXX ending # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX XXXX accounts ending # XXXX, # XXXX, # XXXX, and # XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC (MA)

i recieved a letter in the mail saying to pay jefferson capital services or i  would get arrested. i do not know this company. they are not on my credit report. i owe no collections.
Consumer complaint received 2019-09-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: BB&T CORPORATION (MD)

On XX/XX/19 I went to the bank ( BB & T ) to open a CD with {$4500.00}, I counted the amount and left it on the desk for the person to take it up to the teller. He took the money up to have it counted. A few minutes later he came back and told me I was short {$780.00}. I took more money to make up the difference. I was so upset that I left the bank. I called the bank back and ask to she the security video and the manager told me the tape had to be review by the security unit and she would get back to me in about a week. She asked me not put put this on social media. I called her back after a week and she said she had not information for me and it could take weeks or months to it to be resolved. She was more worried about the employee then myself, she said his job would be on the line
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (VA)

I recently filed a 3 dispute with XXXX XXXX XXXX over false claims that did not belong to me on XX/XX/XXXX. The same false claims are showing up 5 days later on my report once again under a new collection agency known as Capio Partners, the old claims are broken down into 4 different claims now starting from {$100.00}, {$100.00}, {$650.00} and {$180.00}. Capio is attempting to collect fraudulent collection from XXXX as an new collection.False/Negative claims appeared on my credit report between XX/XX/XXXX. Regarding a hospital visit from XXXX that I have never been to. I had no information about the collection agency prior to just appearing on my report. I contacted Capio Partners on XX/XX/XXXX. Reaching REP XXXX who was very unprofessional during the call all because I told XXXX the claims weren't mine he began to interrogate be putting words in my mouth I didn't say as if he was belittling me for trying to straighten false report. I never felt so uncomfortable while speaking with a REP until today. I asked to speak with a supervisor ( XXXX ) located in TX who muted the phone and also insulted me as if I couldn't spell a simple word. Everyone I spoke to was no help which is a headache and so draining when I didn't make the claims and this is the company I have to speak to regarding my negative claims on my report. I shouldn't feel like I'm in an interrogation when speaking with collections agencies.
Consumer complaint received 2019-09-10
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. (NC)

I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.