davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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. (TX)

I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from Park Place to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
Consumer complaint received 2019-08-20
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: Resurgent Capital Services L.P. (NJ)

I XXXX XXXX, have tried to settle my debt by explaining my permanent XXXX  and XXXX XXXX challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a surgery, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my XXXX XXXX are extremely low, slim to none.My XXXX  was back this past XX/XX/2018 do to a XXXX, and I am going back for a XXXX XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX
Consumer complaint received 2018-02-02
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURP [ OSED.
Consumer complaint received 2022-08-27
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. (FL)

The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-30
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: Durham & Durham, LLP (NC)

In XXXX of 2020, I had a collection agency, XXXX XXXX XXXX XXXX " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified XXXX and XXXX, however no change has been made to my credit report.
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My name is XXXX XXXX XXXX XXXX. I have a mortgage that is serviced with Lakeview Loan Servicing LLC ( XXXX XXXX XXXX ). My loan number is XXXX. On XX/XX/2018. I sent my first mortgage payment to this company. I sent two Money Orders ( enclosed ). One for {$1000.00} dollars and the second one for {$920.00}. They were both sent in the same envelope and received by a person that signed under XXXX XXXX XXXX XXXX on XX/XX/2018, at XXXX XXXX 

The following Monday, I called them inquiring why they had not posted my payments. After a week or so only the Money Order for {$1000.00} dollars was posted as a payment, and when I called asking for the other one ( {$920.00} ), they responded that they were investigating this matter. I did not hesitate and went directly to USPS to inquire if the Money Orders had been cashed and by whom. 

On XX/XX/2018, USPS sent me a letter were they enclosed a copy of the cashed money order by XXXX XXXX XXXX in the amount of {$920.00}, that they could not track. They scanned the money order, front and back and in the money order it says that it was credited to a Loan #  XXXX. This is NOT my loan number. I have been calling and left on square XXXX every time, as they say they are investigating and that they will call me. Over a month has gone by and now I am going to be late in my second payment, because I just want to send the difference, but they will not allow me to pay it online. I have never been subject to such negligence over a payment I have made on time. I am now seeking your help as this company has not done so diligently even when I have been calling them almost daily about my case. I have a ticket open with them : XXXX. Last time I called, ( XX/XX/2018 ) an associate supervisor named XXXX, promised she had checked all attached documents, copies from USPS where they money order appears as cashed and copies of the money orders sent, and that she would keep my on the loop on my case. I am still waiting. I feel they are taking advantage of me because they can and it is not fair. I have enclosed documents for your review. 

Looking forward to your prompt help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-07-12
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. (GA)

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX  XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc (NE)

I've been trying to make a payment to my credit card and their not allowing or accepting payments.Their also refusing to close account and keep reporting to my credit a non-payment, even tho I've been trying for months and talked to them over and over.
Consumer complaint received 2019-07-12
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. (GA)

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX Hospital, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MA)

My wife XXXX XXXX XXXX ) and I ( XXXX XXXX ) never received any correspondence from XXXX in order to qualify or receive our settlement reimbursement. We are both former XXXX loan borrowers ( federal ) and yet a state legislator we know received their check in the mail ( immediately ). It is clear that XXXX is not fulfilling its obligations to the borrowers under the settlement. Can you please help us retrieve this funding? It would be extremely helpful at this time.
Consumer complaint received 2022-08-27
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. (OH)

I tried to get late car payments off the credit report. From XXXX and XXXXXXXX XXXX XXXXXXXX was told they can't take them off.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MO)

I have had a Frontier Mastercard from Barclays for several years. I have earned over XXXX points. 
I have been inactive with this card for almost 2 years due to serious eye problems that kept me from using the computer, reading clearly, or having screen time. 
After XXXX operations and XXXX doctors I am doing much better. I am now able to at least call people and read simple things with a magnifying glass. 
When I called the company for an update on my points I was told that they expired two days before I called. I called on Tuesday the XX/XX/XXXX. Seems odd. 
No amount of reasoning with the rep was successful. 
The card company has had zero correspondence with us. 
The total points that have been confiscated are XXXX, XXXX -- -about {$400.00} lost.
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I was contacted 6 times in one day from Wakefield and Assiciates and every time I answered they hung up on, which goes against the rule that they must identify who they are. 
When I finally called back and informed them of this they claimed that they only called one time, yet on my call log it shows 6 incoming calls from the same phone number. 
When I told the lady that this was harassment and illegal she transferred me to her supervisor. 
I told her supervisor how this collection was closed by the previous collection agency he ignored that and then proceeded to go on about how they never called and such.
Consumer complaint received 2019-07-12
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: Medical Society Business Services, Inc. (CO)

I am getting sick and tired of dealing with XXXX fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint XXXX, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

BUREAU OF MED ECONCS has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XXXX XXXX, 2019 Source XXXX Company BUREAU OF MED ECONCS Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, XXXX has set it up where I am not allowed to dispute it again. 

Delete it and for XXXX, stop collecting information on me. YOU PIECES OF XXXX ALLOWED THE DATA BREACH ON ME.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sentry Recovery and Collections, Inc. (NV)

I would like a judge to decide if XXXX XXXX XXXX followed the law during my stay as a tenant. My rent at XXXX XXXX XXXX was {$860.00} a month. XXXX XXXX XXXX evicted me after I paid the apartment {$32000.00} in rent and {$3000.00} in late fees from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX charged me late fees exceeding {$50.00}, {$300.00} fees for evictions and {$1000.00} in damages. XXXX XXXX XXXX put {$2200.00} in collections and an eviction on my credit report. XXXX XXXX XXXX overcharged me and caused me to be homeless. The eviction on my credit report made it impossible to get another apartment. I dont believe I received fair compensation for the money I spent at XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1300.00}. 
On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1100.00}. 
On XX/XX/XXXX, XXXX XXXX evicted my family and charged me {$2200.00} to return to my apartment. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1000.00} On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1400.00}. 
On XX/XX/XXXX, XXXX XXXX requested {$1400.00} in rent and late fees. I could not afford to pay and I was evicted. 
On XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX charged me {$1000.00} in damages. 
On XX/XX/XXXX XXXX XXXX put {$2200.00} in collections on my credit report with a company called Sentry Recovery Collections.
Consumer complaint received 2019-07-12
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. (GA)

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the  attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.
Consumer complaint received 2019-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OK)

XXXX and XXXX XXXX closed on a home located at XXXX XXXX CT in XXXX, OK XXXX on XX/XX/XXXX. The loan amount was {$180000.00} at a fixed interest rate of 3.75 %. The lender at the time was XXXX XXXXXXXX XXXX , XXXX Our monthly mortgage statement we agreed to pay was {$980.00}. 

In the year XX/XX/XXXX, our mortgage was sold to Loancare. After we had paid our mortgage per our agreement for an entire year, we received a letter stating our property taxes were not assessed into our payment. We were told either we pay the {$2400.00} up front, or we calculate it into our payment and pay it out over the year to catch up. We fell behind at this time, but we still managed to pay the amount as quickly as we could accumulate the funds. They increased our monthly mortgage from {$980.00} to {$1400.00}. Paying this amount for a year put us behind very quickly ; however, the mortgage company has stated they made the mistake in not assessing our property taxes into our payment. Furthermore, they continue to send threatening letters to foreclose on our home because we get behind. 

After we paid the property taxes, we were told the mortgage would go back down. The amount did go down by {$66.00} to a mortgage payment of {$1300.00} ; however, they will not provide us with an accumulative history of our payment records or itemized detail of what the {$1300.00} breakdown is as if it is not our right to know. 

This has caused an extreme financial hardship on our home and family, as we would not have agreed to a loan that would increase our payment by {$500.00} a year after we moved in the home. The front of our closing disclosure states estimated total monthly payment can not increase ; however, it has substantially and I would go as far as classifying Loancare 's methods of collecting increased payments predatory and uncooperative to put it lightly. We have called them on several occasions, applied for refinancing payments ( resulting in denial ), explained our situation without any success. It has been made clear that their job is to remain objective and they can not advise us on our situation. 

It would be one thing if we bought a home outside of our price range, but a {$180000.00} 30-year mortgage on a XXXX sq. foot home at payments of {$1300.00} does not match up, especially at a fixed interest rate of 3.75 %. Simple math brings us to {$500000.00} worth of mortgage payments over a 30 year term. 

Again, this increase has placed a huge financial strain on our family, and we would very much appreciate investigation and resolution. My wife and I are both employed with XXXX kids, and our priority is to simply agree to a payment that is feasible and investigate this loan company. It has also been brought to my attention that we are not the only ones who have experienced this exact situation happening with Loancare and are also seeking assistance.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (FL)

I am disputing the validity of the unknown debt and for Focus Receivables Management to stop calling me.This XXXX number kept on calling over Eight timesRefused to Stop CallingI Texted reply STOP. I also requested the original contract with my signature, the complete information of the original creditor, the payments history and itemized bills, and proof of ownership. I told them numerous times to contact me in writing. They refused.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank (TX)

In XXXX, my wife and I migrated to overseas. We left a savings account with a bank and also an office which was rented out to a gentleman under a provision that he would purchase same building. A year before leaving I had applied to the bank for a line of credit which I subsequently did not use as the XXXX XXXX XXXX decided not to go through with the project. I had subsequently done business with the bank and did not owe them any monies at that time. While away I kept in contact with the renter of my building. On one occasion he told me that he has been harassed by the Bank because they claimed that they wanted their building. This came as a surprise to me as I neither owed the bank any money nor did I use the Line of Credit for which I had applied. Subsequently, they evicted the gentleman from the building. XXXX, he suffered an XXXX XXXX and died. He was found in another building across the street from where the office was located. I returned to the XXXX in XXXX and went to the bank to recoup my monies that was lodged there only to find every penny was taken out. Discussions with a bank manager ensued in which she told me that I had redrawn the monies. I asked her for the evidence that that was so and she told me to return later. Upon my return, no one could account for her whereabouts.