davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MAS FINANCIAL SERVICES, INC. (CA)

I have written numerous emails asking for a deferment due to the vehicle braking down on me since XXXX, They said if I can show proof they would assist me with the deferment, ( which i did ), never got a response back .. then the manager contacted me and said he would make an exception if I can make one payment which I did, never got a response from them until days later they started calling me again with threats to repossess my car which in fact is not drivable.
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (NC)

Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company
Consumer complaint received 2019-07-25
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. (NC)

Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Hunter Warfield Inc {$3400.00}. Im not liable for this debt. I have no signed contract with Hunter Warfield. 

In addition, a review of my local county clerks records show the Original creditor XXXX XXXX has voluntarily dismissed the debt. Civil court records show removed from public records under my name and dismissed consideration amount {$.00}. Im no longer liable for this debt with the original creditor and have never had a contract with Hunter Warfield.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (LA)

I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (OH)

I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-07-25
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. (TX)

by law my XXXX XXXX m/c is not reporting to no one When did XXXX XXXX not report? 
FCRA violation
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (NC)

Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company
Consumer complaint received 2023-04-04
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: Atlanticus Services Corporation (FL)

SCAM ALERT! 
Fortiva Credit Card ( https : XXXX? XXXX #! ) Phone number : XXXX ( XXXX ) XXXX Claiming I owe money on a credit card I never opened ( {$64.00}, in an account labeled XXXX, under a name that is not mine ( XXXX XXXX ). Unsolicited text messages. Ultimately a scam, do not respond or pay any amount. 

Website asks for routing number to bank accounts, account numbers, account types and credit card information.
Consumer complaint received 2023-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp (MI)

This collection agency has bought the debt from a medical service. Credit Service International has it listed as " XXXX XXXX '' under loan type and not medical. 

The service was on XX/XX/2022 for medical contract # XXXX there was 2 medical charges on that day. One from XXXX XXXX and One from XXXX XXXX. There was only one procedure performed that day and the insurance was charged twice for the same Diagnosis code, and same procedure. 

The Insurance did verify that I was charged twice for one procedure and I have attached documentation from XXXX XXXX XXXX XXXX of Michigan showing the charge with the contract number. The doctor that ordered the pathology was supposed to remove that from my billing. The records office will not return my calls and I was told it is in collections so there is nothing they can do about it now. I just need to pay it after I already paid the copay and insurance for the procedure. 

Credit Services has been notified of this error numerous times and refused to remove this collection that is under {$500.00} and a medical debt which should not be on my credit reports.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX XXXX   reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX   payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

XXXX. I have a mortgage through XXXX  XXXX XXXX. 
XXXX. I pay the monthly mortgage payments by automatic payments through Chase Bank ( through my checking account ) XXXX. I was informed by XXXX  XXXX XXXX in XXXX that my monthly mortgage payment amount had increased to XXXX something dollars. 
XXXX. In early XXXX I went to the Chase website 's automatic pay option and changed the monthly mortgage payment amount to what XXXX  XXXX XXXX had stated. This was submitted and accepted by Chase. 
XXXX. The new amount of XXXX something dollars was paid out to XXXX  XXXX XXXX by Chase. 
XXXX. However, Chase also paid out the old amount of XXXX something dollars to XXXX  XXXX XXXX on XX/XX/XXXX. 
XXXX. I contacted the customer service to help correct this situation. I spoke to a customer service representative and then to the claims department supervisor XXXX. 
XXXX. They stated that there was " NOTHING '' that Chase could do. 
XXXX. Chase also stated that it was MY RESPONSIBILITY to contact the " merchant '' aka XXXX  XXXX XXXX to get my XXXX something dollars back. 
XXXX. I find this totally unfair that I have to correct an obvious mistake which was made by the Chase Bank and NOT BY ME. 
XXXX. I informed XXXX that I will escalate this issue by writing to you. 
XXXX. The only corrective action that is acceptable to me at this time is that the CHASE bank get my hard earned money back and put it back into my checking account. 
XXXX. Again I WILL NOT and SHOULD NOT be penalized for an obvious screw up made by Chase bank.
Consumer complaint received 2022-10-06
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A 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 602 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX v. XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, XXXX, and Transunion ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (CA)

Freedom Mortgage company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CA)

Im accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XX/XX/2019 To Whom it may concern, My name is XXXX XXXX XXXX, and this is my formal complaint on Ocwen Loan Servicing and PHH Mortgage Services, on their practices in Notice of servicing Transfer. I received the notice in the mail on about XX/XX/2019, notifying me that starting, XX/XX/2019 PHH would become the new servicer for my account : Loan number XXXX. 
For the last ten years Ocwen Loan Servicing, had paid my homeowners insurance policy to XXXX, policy number : XXXX XXXX XXXX. The policy was paid through an escrow account once a year. After the transfer of service on XX/XX/2019, I received a policy statement for the first-time in 10 years, noting that the notice was for non-payment of premium. A second notice statement followed on XX/XX/2019, for, {$360.00}, a third notice XX/XX/2019, {$730.00}. It was obvious that PHH Servicing was not paying my homeowners insurance, from the {$1400.00} each month. {$580.00}, was the amount that was deducted for the property taxes and hazard insurance that was scheduled to be placed in the escrow account. 
On about, XX/XX/2019, I called PHH Services, customer care center, trying to reach my relationship manager, XXXX XXXX. I was informed they where busy and to speak to the next available agent. I spoke to this agent about my homeowners insurance not being paid. I was told I would get a call back after my complaint was given to the research department. The phone call never came. After speaking to at least 10 customer care agents and explaining my issue to each and every one of them ( language was a bearer }, I became frustrated, but called another day around XX/XX/2019. This time I insisted on speaking to a supervisor. I spoke to a floor supervisor named Mr. XXXX ( agent # XXXX ), I was told my account did not have an escrow account attached to the loan. Mr. XXXX followed through and called me back within 24 hours. I was told that I was right, nothing was being paid and someone would get back to me for a final resolution. No one ever called but they sent a partial payment, but no explanation to why this was happening. I am now researching my property taxes to see if there is any debt outstanding. 
In the meantime I received a notice of termination for non-payment from XXXX, with a final outstanding balance of XXXX ( XXXX is demanding payment ). In order to protect my home and property I did established a new homeowners insurance policy through XXXX XXXX started on XX/XX/2019 and show PHH Mortgage Servicing as the lien holder. To add insult to injury I now have another mortgage servicing company called XXXX, started XX/XX/2019. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BB&T CORPORATION (TX)

I recorded Regional Acceptance Corporation 's abusive phone calls to me. 
Fri, XX/XX/2016, XXXX XXXX  to me First Threat Call Since Predatory Loan, my fighting it and being charged off. 
The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. 
The company responded deceptively regarding this in an earlier response to CFPB.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

Chase bank approved and issued me a XXXX XXXX credit card that I received on XX/XX/18. Less than 2 weeks later on XX/XX/18, they unexpectedly cancelled that card and another chase IHG reward card without even notifying me. 

They claimed that they reviewed my credit report and thought I now had too many credit cards to have this card. I suspect they did not want to offer the XXXX point bonus any longer as my credit had not changed since my original application. 

Really perplexed but just doesn't seem like they cancelled my cards for any legitimate reason.
Consumer complaint received 2022-10-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!