davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC (CA)

About six months ago I decided to start the home buying process, I am a mother of XXXX XXXX XXXX and work hard everyday to support my family ... I was referred to cook and castle by my realtor and without prior experience I had full trust in them, the lender stated he had experience in my type of loan and credit history. I provided all documents that were asked of me and also a co buyers documentation ... <P/>I was hopeful they would look over everything and point us in the right direction, and if we were not ready they would provide assistance in what needed to be done for the future. my lender gave the OK to look at homes even gave us a number of XXXX with 104 % financing all I had to do was put a good faith deposit.. I fell in love with a house so I put in the offer and the seller accepted my offer! We were ecstatic!!! <P/>The seller asked for XXXX dollars in a good faith deposit ..I was so nervous, that was a lot of money for me, almost half of my savings, but the seller put a contingency that if the loan could n't get approved she could keep my money, but my lender keep re assuring me everything was ok.. the further we got the more things keep coming up more money and more money needed to be paid. At one point I ran out of money but kept trying to keep up.. At no point did my lender say to stop this process, my credit was not ready at all ... and when the moment came and the seller asked to sign over my good faith deposit, he said " everything looks good '' and advised to sign it over ... After paying the appraisal..everyday something else came up that I needed to pay, nothing was ever for sure.. still no direction to stop and cancel He realized things were going wrong and things were over looked and I really was n't ready to buy a house ... the only reassurance I was getting was a promise he would pay back the good faith deposit if the loan fell through ... just keep saying in text that you could not put it in writing just to trust you.. <P/>This whole experience has been a nightmare for me and my family, I even took my son out of his school and put him closer to the new house .. cook and castle should have never let it get that far.. I trusted this lender to guide me in the right direction.. now My family is left with a empty bank account, no house and devastation At what point was he going to say ... XXXX you are not ready. <P/><P/>I am requesting my good faith deposit and appraisal/ inspection funds that I have lost in the process XXXX XXXX
Consumer complaint received 2019-08-05
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. (AR)

After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX XXXX Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX XXXX ( Arkansas ) Circuit Court,  ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, Eight District in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX XXXX and the XXXX, XXXX XXXX alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.
Consumer complaint received 2019-08-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UHG, LLC (VA)

Today XX/XX/2019 at approximately XXXX XXXX a creditor, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms XXXX full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NH)

I received a letter from a collection agency in  XXXX     2017  about a debt I owed to  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   XXXX  ). I sent a letter disputing the debt to Transworld Systems In c ( the co llection agency ) disputing the debt because my insurance had n't been applied to the bill. I received a letter from Transworld the beginning of  XXXX   2017  with a breakdown of my medical charges ( $  XXXX  $  XXXX  = {$1400.00} )  and a link to  XXXX  to pay online. I then received a second letter in  XXXX  of    2017  stating that I owe {$1300.0 0} ( afte r insurance adju stments ) and  a link to transworldpayments.com. When I checked my credit the beginning of  XXXX   2017 , it stated that I had an outstanding balance of {$2800.00} broken down into  XXXX  charges all on  XXXX   XXXX ,  2017  ;  XXXX  for {$93.00} and  XXXX  for {$1300.00}. So, they had slightly more than double charged me.
Consumer complaint received 2021-12-09
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. (LA)

I have recognized some fraudulent inquires that's being reported by Equifax that I tried to but Equifax told me that they couldn't not remove these unauthorized inquires because I didn't file a report through the CFPB. 

I'm filing a complaint now and these are the fraudgelant Hard inquires that are not mines and I did not give these companies permission to pull my credit. 

1. XXXX XXXX XXXX/XXXXXXXX 2XXXX XXXX/XXXXXXXX 3. XXXX XXXX XXXX/XXXXXXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXXXXXX 11. XXXX XXXX XXXX XX/XX/XXXX/XXXX 12.XXXX XXXX XX/XX/XXXXXXXX 13. XXXX XX/XX/XXXXXXXX 14. XXXX XXXX XX/XX/XXXX/XXXX 15. XXXX XXXX XX/XX/XXXX/XXXX 16. XXXX XXXX XX/XX/XXXXXXXX 17. XXXX XX/XX/XXXXXXXX 18. XXXX XX/XX/XXXXXXXX 19. XXXX XXXX XX/XX/XXXXXXXX 20. XXXX XXXX XX/XX/XXXXXXXX 21. XXXX XXXX XX/XX/XXXX/XXXX 22. XXXX XX/XX/XXXXXXXX 23. XXXX XX/XX/XXXXXXXX 24. XXXX XXXX XXXX XX/XX/XXXXXXXX 25. XXXX XXXX XXXX/XXXXXXXX
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Huntington Debt Holding LLC (TX)

Someone called me from XXXX XXXX ( on behalf of Huntington Debt Holdings ) about a debt that XXXX sent on a purchase that i had been reaching out to the merchant for a year about taking the product back. They allowed me 3 months for a return ( which they extended to 6 months later after i asked to return it ). I contacted them right after i received the product as there was XXXX XXXX on the mattress, the mattress was causing XXXX, and it looked used i had purchased this product using XXXX. I sent pictures to the merchant right after opening it, and they told me no one would pick it up due to covid and extended my return window. I called every month and continued emailing asking them to come get this mattress. They kept extending my return window and offering credits. I told them i dont want credits i want to return it. I informed XXXX  of this and told them ive been asking the merchant to come get it as per being allowed to return it. They never came to get it. 

a man from XXXX XXXX  called me, yelled at me, didnt let me speak, used intimidation tactics ( violating my FDCPA rights ) and then told me VERBATIM " we dont care what your reasoning is '' and that " Huntington Holdings '' does not care about my proof when i asked where i can forward my repeated correspondence. He then intimiated me by saying they will put negative remarks on my credit report if I refuse to pay it, despite me asking to provide the correspondence proof to Prove I had a return request in. Then he said " SO I HAVE TO LISTEN TO YOU THE WHOLE TIME ABOUT THIS? '' and hung up on me when i was providing dates, times and factual information that i can easily provide and asked him to stop talking over me, especially since he just threatened my credit and told me he doesnt care what my proof or reasoning is because lull cant help anymore ( which is false as this goes entirely back to them ). He also tried to say the debt was valdified because I made a few payments ( they collect multiple times a month at XXXX  ) before asking to return it. I told him this doesnt validify debt and he got really irritated that I was aware of my rights. 

He also accused me of having received paperwork that i NEVER received. In fact, before today, i had NEVER heard of this company
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, XXXX has a XXXX order judgement that expunged all XXXX fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX ' complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX, I learned through viewing my credit report, that an unauthorized charge of {$420.00} was made on my TD Bank Raymour and Flanigan credit card. I had paid off the balance on this credit card in XX/XX/XXXX. I informed TD Bank Raymour and Flanigan of this unauthorized charge on my credit card account through a phone call and I can say the experience has not been pleasant. The day I informed them in XX/XX/XXXX I spoke to at least 6 representatives on the phone who kept telling me to call this number and that number ( or they would just hang up ) so that I can finally report this unauthorized charge. Finally, I was able to report the unauthorized charge and start a dispute with the TD Raymour representative, XXXX, and that is when I learned someone used my credit card, which was in my possession at the time of the purchase of XX/XX/XXXX, to purchase a rug but wouldnt tell me who purchased it or where the rug was delivered to. XXXX then transferred me to XXXX, another representative at the company, and I was given a case ID. I was told by XXXX that I would get a form in the mail about the dispute that I just had to send it back once it was completed by me. I have completed the forms twice and sent them back since XX/XX/XXXX. I was also told by XXXX, that month I called, that this would be resolved in 30 days and its XX/XX/XXXX and the case is still being disputed. I refuse to pay for something I never authorized. I was told by a TD bank representative this past Monday XX/XX/XXXX that they received my last dispute form on XX/XX/XXXX and that it would take 1 week to process the form and once the fraud is resolved I will receive a letter. All TD bank Raymour and Flanigan has done is send me 2 dispute forms ( 1 for the old credit card where the fraud occurred and 1 for the new credit card which they opened after closing the first one and transferring the old credit cards balance to the new one ) and send me a separate letter acknowledging the dispute. My credit, which was very good initially, keeps going down because of this unauthorized charge that is still on my account and TD Bank Raymour and Flanigan keeps sending me statements with late fees attached to them. I have created disputes with all 3 credit bureaus ; 1 credit bureau took off the charge from my account and 2 of them are still working on the dispute. I have placed fraud alerts and freezes with the 3 credit bureaus. I think this was a big failure on TD bank Raymour and Flanigans part in allowing this to happen in the first place and I want this nightmare to be over already.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
Consumer complaint received 2019-08-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc. (VA)

Today XX/XX/2019 at approximately XXXX XXXX a creditor, AA Recovery Solutions on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms ( full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!
Consumer complaint received 2021-04-16
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. (MD)

I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.
Consumer complaint received 2018-05-25
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. (TX)

cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with XXXX sent ftc, cra violation and po report
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I'm trying to dispute a particular charge with my Capital One credit card but the credit card company is siding heavily with the merchant and asking me to provide documents as evidence that are difficult or impossible to obtain such as " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice ''. 

They've done this before when the merchant pushed back on the charge dispute and after I tried providing evidence, they immediately closed my case. 

In this particular case, I got scammed by a shady business called XXXX XXXX ( or XXXX XXXX XXXX XXXXXXXX ). Their website lead me to believe they can XXXX XXXX  when in fact they just sell a useless quiz for {$150.00}. I made the purchase on XX/XX/XXXX and requested a refund when I realized I didn't get what I paid for. The merchant said I should have checked their terms of service and threatened me with collections if I dispute the transaction. 

I'm not sure what to do at this point because I feel I got scammed but my credit card company is not siding with me.
Consumer complaint received 2022-12-03
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. (MD)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my report right away : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX