davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

I would like to report fraudulent usage of information. 

XX/XX/XXXX at XXXX I received a phone call from Phoenix Financial Services indicating that I would be held responsible for services received by another person. I strongly believe this is fraud. The agent XXXX indicated that an individual named XXXX ( No last name provided ) utilized my information for services that occurred at a hospital in XXXX of XXXX, and that it was being sent to collections. I expressed to the agent that I do not know a XXXX, nor did I utilize these services and would like to report it as fraud. The agent identified that I would need a police report of this to dismiss.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

Begging in XXXX of XXXX I notified XXXX XXXX XXXX at the address of XXXX XXXX XXXX XXXX, ID XXXX that my identity was stolen and the collection was a result of that. The collection for account number # # # XXXX is not valid. After months of sending letters and calling I sent them a Notice to Furnisher and a copy of my identity theft report and ask them to stop reporting as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked them to send letters of their finding and actions. They did not respond and after a couple months took the collect off my credit reports. In XX/XX/XXXX Genesis Credit Management LLC apparently bought that collection. I have disputed it for the last two months and told them that it was due to Identity theft and they have refused to take it off my credit report. They will not call me or mail me any documentations. This invalid collection is interfering with my ability to get approved for the home I trying to buy.
Consumer complaint received 2020-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

My wife and I are financially able to pay extra on the principal. For a couple years NewRez applied the extra money to principal right away. About three months ago they sent us a message indicating that extra principal payments would be held until it equaled a full payment, then it would be applied. We dont know just exactly how this extra will be applied. Will they treat it as a normal payment amortizing it and keeping the interest or will they apply it all to principal which is our desire. Im not sure if, in the mountain of paperwork that we signed, if there was a clause that gave them the right to handle extra on payments to their benefit instead of ours.
Consumer complaint received 2021-11-10
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: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND CREDIT MANAGEMENT has placed an account on my consumer credit report for {$4600.00}. This company is also reporting inaccurate information across all 3 bureaus. This company is a 3rd party company and is in violation of my consumer privacy rights such as 15 u.s code 1681b, 15 u.s code 1692b ( 2 ) and 15 us code 1692e. 
Due to, I never gave consent verbally or in writing would result in identity theft.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I was charged {$52.00} on XXXX, XXXX and XXXX for a total amount of {$150.00} The charges were placed on my XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
The charges were placed on my XXXX XXXX XXXX XXXX XXXX account from a XXXX  in Texas. 
I contacted Chase about these charges fraudulent to my account and they were removed. 
Only to be re-billed at a later date.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and XXXX way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/1958 There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain XXXX : NONE, all employment listed on file is incorrect
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX This is my second complaint regarding this matter. Equifax still refuses to remove the account and they are fully aware that it is updating every month, as stated in a recent letter they sent me. They should also be aware that this is unlawful, per FCRA rules and regulations, and this account needs to be removed from my report. XXXX has already complied and Equifax needs to follow suit.
Consumer complaint received 2022-01-09
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: VW Credit, Inc (GA)

The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A charge was placed on my account wrongly for {$97.00}, from a transaction through XXXX. This transaction was on XX/XX/2020. I alerted XXXX and my bank Capital One on this charge. After I contacted my financial institution. My bank filed a dispute on my behalf on XX/XX/2020. After going back and forth month after month. Capital One, resolution was to apply a temporary credit to my account on XX/XX/2020 for {$97.00}. This was then reversed on XXXX XXXX. I've reached back out to the bank and spoke to a representative requesting for this charge to be re-investigated. After multiple attempts, requesting answers to why and where this charge derived from. It was brought to my attention that an adult bike was purchased through XXXX for {$97.00} and was delivered successfully in my mailbox. I mentioned on multiple calls that I don't know the recipient, nor I didn't make the purchase. In addition, it is impossible that a bike can be delivered in my ( mailbox ). My last call on XX/XX/XXXX, I called customer service to dispute their credit reversal, again. This is when I requested to speak to a supervisor and after this conversation felt that Capital One has no attention of trying to help me or listen to my concerns. Furthermore, I feel discriminated against and still in the process of trying to resolve this matter. As an additional credit reversal has been applied to my account.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

We feel as though we are unjustifiably ignored and being held up with our mortgage refinancing at a lower rate. We have been approved and have provided all documentation requested. All communication has ceased unless we initiate contact regarding the status of our closing date.

Our original loan is with NewRez LLC c/o Shellpoint Mortgage Refinancing at 4 % interest rate plus PMI. We are in good standing, have excellent credit, & pay our mortgage on time. We selected NewRez for refinancing since they already have our loan. We felt the process would be a smooth transaction. 

Our refinance loan ref # XXXX was approved XX/XX/2020 with no PMI and 2.86 % interest rate. The process began XX/XX/2020 with a quote and a guarantee to beat competitors ' rates. Once we decided to eliminate competitors and stay with NewRez for the refinance loan, the process of closing has been delayed and conversations are non-existent. 

We are seeking a closing date with minimal fees or modifications to our current loan to provide elimination of PMI and reducing our rate to the promised rate.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (PA)

I'm currently working with XXXX XXXX to help me repair my credit and reduce my obligations so I can secure mortgage financing through the VA to get stable housing for my family. I'm the primary wage earner for my household and my credit tanked when I was on XXXX for XXXX XXXX XXXX. I'm currently stressed and experiencing physical symptoms of anxiety knowing I may be going back on XXXX again. The loan I have an issue with is with Lendmark Financial in XXXX, PA. I'm being charged 25.75 % interest and have paid them over {$4700.00} in the past 15 months and only {$760.00} has been applied to principal. XXXX recommended I use the little bit I have available in my XXXX and asked for a settlement to stop their collection harassment and get on pace to get my VA mortgage. My payoff on the original {$12000.00} loan is currently {$11000.00}. XXXX, the branch manager stated that my offer of settling the debt for {$9000.00} is in line with what has been approved for others in the past. For my request, I was denied claiming they can not settle until my income is impaired. I don't feel I need to give them additional pay stubs or wait until my income is reduced to settle if they have offered settlements similar to others who are using debt relief programs. I also have been subject to arbitrary fees. When one of my two vehicles used as collateral was totaled and insurance needed my title, they were requesting I pay an additional {$2000.00} to get the title back. They agreed to me just paying an additional loan payment of {$400.00} for them to release it. 

I feel I'm being taken advantage of and want them investigated for unfair lending and collection practices.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$380.00}
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

With my bank I filed a claim that on XX/XX/2021 that a transaction was made of {$4100.00} that I didnt give permission for. The bank denied my claim. They didnt even give a reason of doin an actual investigation. They put fraud on my account and issued me a new card.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

I bought XXXX XXXX phones and XXXX watches for the phones with XXXX to track my kids, on XX/XX/2023 my phone could not track my kid, I called XXXX and they said I could not exchange it for anything even though wasnt working needed it to continue to pay regardless for XXXX more months. I asked to cancel my services, on XXXX XXXX I received a call from XXXX that I had to pay XXXX dollars, and I paid it, got a confirmation, was told it would not go to collections. Then it appeared as a collection on my credit report under XXXX, I called XXXX and said I never had XXXX and I was never on collection or had an account on collection with XXXX that I was ever made aware off. I had an account with XXXX and I paid it and got a confirmation Reference # XXXX and Transaction ID XXXX. I called the collection company and told them I never had XXXX phone and never received a collection noticed, I did get a collection noticed from XXXX XX/XX/XXXX that I paid. 
I called the collection company and they told me they could not tell me anything other than XXXX was part of XXXX, and XXXX is no longer in service. I asked XXXX why had they reported me as XXXX? they said they could not see anything. Basically none of the agencies are explaining why did they put me on collections when I paid the bill the only noticed I got was not from XXXX it was from XXXX XX/XX/XXXX. When I called and give the collection agency my Transaction ID and reference number they say they can not tell me wether it was paid or not? And they can not tell me what this collection is for, the only phone and collection letter i got was from XXXX never from XXXX and I paid it. 
I want the collection item be removed, and I need an explanation of what is this bill for? I only had XXXX?
Consumer complaint received 2022-03-01
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. (NV)

Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022, I sent an electronic check payment from my bank to COMENITY - XXXX Rewards XXXX. The bank stated that the payment was sent on time. The payment is not due until XX/XX/2022. 

On the next bill, I received a late payment from XXXX. They did not process the payment until XX/XX/2022. I called XXXX and explained the situation. XXXX stated that they can not waive the fee since I closed the account. Since I paid the bill on time, I should not have to pay the late fee. XXXX stated that they can not do anything about it and if I don't pay the late fee, I will get another late fee on the next bill. 

The late fee is {$29.00}. It's a lot of work to try to clear this up. However, on principle, I hate paying it since they may do this to a lot of people.
Consumer complaint received 2020-09-17
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. (NC)

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

Good day, I purchased a XXXX BMW in XXXX XXXX, along with an extended warranty, I Traded the vehicle in less than four ( 4 ) months XX/XX/XXXX and was told I would be refunded for the extended warranty I purchased at about {$6500.00}, after 8 months of calling and re-submitting the request, I was told that BMW does not refund the warranty when a vehicle is traded in.. I was flabbergasted... well to make matters worse, did not like the XXXX BMW XXXX I purchased and ended trading it in on XXXX XXXX for a new XXXX well the dealer I went to never heard of such a thing, and attempted to contact BMW XXXX XXXX where I purchased the two cars, and got nothing but a run around, and the calls going straight to Voice Mail , additionally they had placed a notation on my record at the dealer to not speak with me. I now have paid to two warranties that I will never use. Can something be done to help get my money back? In my Opinion BMW of XXXX are practicing UDAAP. I have lost about {$11000.00}. 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (FL)

XX/XX/XXXX I applied for loan with GreenSky XXXX XXXX credit to pay for XXXX  services from XXXX XXXX. I applied for XXXX credit limit and actually used XXXX. I was expressly told and received in writing that the credit check would be a " soft '' credit check and would not impact my credit score. The credit check performed by GreenSky was in fact a " hard '' credit check and is listed on my XXXX Credit report with a corresponding drop in my credit score. The Company lied. I want this credit check removed from my credit report and my score restored. 

As a footnote - after the XXXX charge was enacted GreenSky called me eight ( 8 ) times to remind me I owed them XXXX. This started the day the amount was charged. This was before even one statement was issued or payment due. It only stopped when I blocked the number.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

I have had trouble with Mr. Cooper in the past. I made my payment on the XXXX of last month and and when I got my bank statement they had took my payment out four times, they did redeposit but it cost me check charges n just messed my account up I am on a fixed income so do not have any extra money to play with. Last time it was paying my taxes then saying they would be three times as high next years and raised my payment from XXXX to over a XXXX it took six month to get that fixed now this.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau & The University of XXXX  are reporting erroneously on a debt and it must be removed. I recently checked my credit and noticed this debt. I took a closer look and noticed that they are actually reporting on the same debt! Nobody can seem to help me with this situation and it is ridiculous. This is a violation under the FCRA and the FDCPA. If this is not resolved I will be contacting the attorney General.
Consumer complaint received 2018-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2018 I called to dispute an account for XXXX XXXX to be removed from my account, due to FAILURE TO COMPLETE PROPER INVESTIGATION. 

I spoke with, XXXX. 
I asked for proof of VERIFICATION. 
XXXX stated he was NOT REQUIRED BY LAW to give me any PROOF of investigation. 
I asked him how did he VERIFY the account? 
He REFUSED to tell me. 
After asking repeatedly, he finally said, WE ASK IF THIS ACCOUNT IS ACCURATE and the creditor says ; YES OR NO. 
He also told me that EXPERIAN CAN NOT AND WILL NOT REMOVE THE ACCOUNT, because the creditor says it belongs to me, REGARDLESS OF INACCURACIES.. 
Which is AGAINST section 609. 

The company in dispute is reporting inaccurate number of terms on the account being reported. They are also reporting monthly missed payments on a CHARGED OFF account.