davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (IL)

Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.
Consumer complaint received 2022-10-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (PA)

This is actually an addendum to my complaint XXXX. Despite XXXX telling you they're still investigating my complaint, they have sent me TWO letters - one on XX/XX/XXXX and another on XX/XX/XXXX denying they ever received Housing Assistance Fund money to pay off my debt. 

HOW IS THIS POSSIBLE, WHEN I HAVE A WIRE TRANSFER NUMBER I GOT DIRECTLY FROM THE PA HOUSING FINANCE AGENCY? The {$8100.00} I owed was paid off in XXXX!! 

Attached is my response to their 2 letters, and screenshots showing my correspondence on XXXX with the PA Housing Finance Agency, who have experienced nothing but problems from Dovenmuehle from the beginning of when I applied for a HAF grant ( XXXX 2023 ). 

NO ONE SHOULD EVER GET A MORTGAGE FROM DOVENMUEHLE.
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I purchased a phone online through XXXX back in XXXX for delivery by courier. The item never made it to me and the courier ended up never returning the phone back to XXXX, thus stealing the phone. I had taken out a loan with Citizens Bank through XXXX 's website for financing ( loan ending XXXX ). Once I started the claim with XXXX, they cancelled the order and refunded me the first installment that they charged me. I then noticed that the actual loan itself was still open on Citizens Bank 's end. I called XXXX and they reached out to Citizens Bank to tell them that the order was cancelled and the loan should be as well. I then called Citizens Bank when I realized that it was not and they told me that they will put in a request to close out the loan. I called again and was told that as soon as the refund was completed by XXXX, the loan will auto-close out. I waited a couple of weeks, logged on once I received the refund, and it was still open. I called again and was told that the loan never auto-closes and a request has to be put in for it to be closed or no activity on the account. I also want to add that I had another loan through them that I returned the phone and as soon as I made the return and was refunded, the loan was auto-closed. So that makes no sense. I called again and was told that I can request for the loan to be closed since it now has a {$0.00} balance or I can wait so many days and it will auto-close. I requested for them to put in a formal request. I waited again, logged on, and still open. I called again and then I was told that every time I called, that counted as new activity on the account ( I have never heard this before with any company ) and since I kept calling, it was restarting the 30 days or something of the loan closing out. I was also told that I should not be worried since the loan has a {$0.00} so it does not matter since no money will be auto-paid from my credit card on file. It has now been almost a month and the loan is still showing as open.
Consumer complaint received 2022-01-17
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. (CA)

Equifax XXXX XXXX still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PA)

National Credit Systems INC has been sending me collection notices in the amount of {$4900.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/XXXX at XXXX, I initiated an instant money transfer of {$100.00} from my CashApp account to my XXXX account. CashApp posted the transfer as completed ; however, the money never appeared in the account that it was transfered to. 

I've spoken with XXXX, who very clearly stated they couldn't find any record of the {$100.00} transfer. I've talked to many of the CashApp customer service reps and they've " investigated, '' but keep telling me over and over again that " the transfer was completed '' and insisting there was no error on their end. And yet, I still don't have my {$100.00}. 

I'm already very strained financially... I can't afford to lose {$100.00} over a bank 's error. I'm not demanding anything unreasonable - I simply want my money returned to me.
Consumer complaint received 2017-08-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (MA)

IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (AZ)

To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX. 

The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail. 

Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved. 

I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

To XXXX XXXX this is in response to the letter in connection with the CFPB complaint number XXXX. The letter doesn't address the three clear violation which i laid out with proof in connection with those statutes. You have violated 15 U.S. Code 1681 ( 2 ) Limition on Creditor. In regards to the prior identity theft claims, at this point those a moot as there are statute violations which supercede the identity theft claim as the violations prevented me from qualifying for {$250000.00} business loan. To thrwart any further litigation remedies all i ask is that you DELETE the accounts from XXXX and XXXX as XXXX already deleted the accounts
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

The mortgage company involved is Chase and my account number is XXXX. During the pandemic Chase promised to refinance my mortgage which was a deception to force me to sell my property. I resumed payment of my mortgage before the end of the pandemic, two years after I stopped the payment. But Chase stopped my payment after several payments have been made and demanded immediately that I paid {$64000.00} ( XXXX XXXXXXXX ). All appeals and begging were wickedly rejected.Chase told me to sell my property or be ejected. Buyers who are XXXX are all over my property doing inspections. 

I called upon friends and family members for help and incurred {$40000.00}. ( XXXX XXXX ) in credit cards debt to raise the {$64000.00}. I paid the money to save myself from death and humiliation. 

I am a XXXX XXXX XXXX XXXX man with XXXX children in the university and I wonder what Chase would gain in throwing my family out after paying Chase mortgage for XXXX. Chase inflated the mortgage to make it impossible to pay. I complained to no avail. Now while still struggling to pay the mortgage Chase added another {$250.00} ( XXXX XXXX & XXXX ) last month. 

Please I need the agency to stop Chase from destroying me and my family. What does Chase gain from ejecting XXXX XXXX XXXX man from his home. 

Chase should refund my {$64000.00} that was extortion and refinance my mortgage. 

I did not know that CFPB exists when I sent the {$64000.00} to Chase. I was scared by what Chase staffers told me several times thats more of harassment and I quickly used my wifes and family members credit cards to pay. 

Please help and save me from internal disintegration.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates (MA)

I am getting multiple calls for the past several weeks from two companies ( which I think are the same company using different names ) and they leave recorded voice mails. One says its from Hollis Cobb Associates saying it is trying to collect a debt, or calling about an important business matter. Some of them ask for a specific person ( THIS IS NOT ME ). The other says they have important information regarding my name and social, press a number to speak to an operator, or leave a callback number to XXXX XXXX XXXX. A couple left messages saying they are serving papers and filing in our county. I feel very harrassed by these calls. 

One time I did get a live person on the phone and said my number was not XXXX 's number and to stop calling but they continued. 

Recent calls : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year>. I think there are more but I got a new cell phone around XX/XX/year> and I don't have voice mail records on my app from my old phone.
Consumer complaint received 2021-09-27
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: Global Lending Services LLC (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management, XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Has been sending me a collection notice Balance {$1400.00}. The collection has been reported as a pass due balance I dont know this Company. I have never done any business with this company. This Company doesnt have a contract with my signature.
Consumer complaint received 2022-10-07
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 a account without my written instructions
Consumer complaint received 2017-08-23
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (LA)

XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.
Consumer complaint received 2022-01-17
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. (CA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment is {$390.00} as on the sale contract too. but on my Equifax report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Equifax report 62 months. The address on the sale contract incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (FL)

My lease of a XXXX XXXXXXXX XXXX with XXXX XXXX, a unit of Hyundai Motor Finance, included a Purchase Option at End of Lease Term. That Option specified that there would be no Purchase Option Fee. However, when the end of the lease approached, XXXX provided only 2 possible routes to purchase the vehicleI could make the purchase through one of their dealers, who would charge a fee of {$990.00}, or I could do it through an outside contracted organization called XXXX, which charged a fee of {$560.00}. There was no route offered without a fee, despite the clear terms of the lease. 

To keep from having the vehicle repossessed by acting in a timely manner, I bought it through the XXXX option. I am now asking XXXX to make good on the terms of the lease, which they drafted, by reimbursing me for the {$560.00} fee. Despite 3 letters and 3 phone calls, they have refused to do so. This is a breach of the contract, which they should have to honor.
Consumer complaint received 2022-01-17
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. (PA)

O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Consumer complaint received 2022-01-17
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. (GA)

TransUnion is showing a XXXX  point drop on my credit report and there is no justification for this. I already have a complaint against XXXX XXXX XXXX  for their massive failure to run the card in a legal and moral manner. I lost my job recently and would like to see my credit report reflect that factor. I would like to dispute most of the information TransUnion is showing for me currently.