davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

During XX/XX/XXXX, I received a text message validating that I had apply for something, but since identity theft is very common via text messages I did not open the text or link provided in the message. A mont after that XX/XX/XXXX, I decided to look at my credit report in XXXX XXXX app and I had a notification that my score dropped because of a few new inquiries in my credit report. 
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not make any inquiries on my credit report since XXXX because I'm not looking to purchase anything at the moment.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I received a letter from Cardinal stating I am entitled to a refund on my advance PMI since I sold my home on XX/XX/year>. I called to inquire on why I didn't receive my refund and they told me to contact HUD. HUD is telling me the lender needs to open a case. 

I am getting jerked around and want my money back. The MIP that was paid upfront in closing for the purchase of XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. Total upfront MIP was in the amount of {$11000.00}. 

FHA ( Case Number XXXX ) ). 

I am attaching my closing disclosures when I purchased the home that shows the payment was paid upfront and the letter received from my lender when I sold my home. 

My new address follows below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX Please advise on the status. 

Thank you, XXXX XXXX
Consumer complaint received 2017-10-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZARVAD III S.A. (NV)

On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.
Consumer complaint received 2017-08-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (CA)

I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (MD)

We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 )  exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (OK)

I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

Back on XX/XX/2021 I applied for a XXXX credit card to make a purchase from a private seller for an item. In two weeks time I never received the item. I tried to contact the merchant numerous with each time no response back whatsoever, so I disputed the claim. On XX/XX/2021, I received a letter saying the dispute was in my favor. I got charged again for the amount and filed another dispute and this has been going on for several months back and forth. Today XX/XX/2021 the XXXX credit card charged me again due to the Merchant not accepting refunds or cancellations. XXXX credit card will not help me whatsoever and wants me to pay for the amount for an item I have not received.
Consumer complaint received 2017-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A. (NY)

Pre-paid rebate card issued by Citi in conjunction with a promotion with XXXX expired after only 2 years when it appears that both Federal and NY State law prohibit expiration and/or abandonment of such funds in no less than 3 years in some instances and 5 years in others. <P/>Citi offered no explanation or information about the funds that are " gone. '' Amount lost is {$470.00} I requested either a replacement card or check in the amount lost and was denied.
Consumer complaint received 2017-01-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

I took out this montage in XXXX XXXX and paid it off with the sale of the property in XXXX XXXX. When I try to get back into my online account to change my address so that the Tax documents will get to the correct address it tells me I no longer have access to the account. I just logged in early XXXX. When I call customer service they say the loan can not be found and asked me to provide my social security via email.
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Rosebud Economic Development Corporation (CA)

I have been a customer with XXXX XXXX for close to a year. I have always had scheduled payments on time. I took out a loan in XXXX XXXX in the amount of {$800.00} with my first payment being on XXXX/XXXX/XXXX of {$210.00}, since then I have been making payments via checking account of {$210.00} every 2 weeks. I recently had a schedule payment on XXXX/XXXX/XXXX in the amount of {$210.00} in which I expected to be withdrawn as agreed but did not. XXXX XXXX had authorization to withdraw on that day and it did n't happen. The money was available on the account as it was not in negative status. I did not get any insufficient funds notice from my bank and did n't know the money was not withdrawn until the following day when I received an email from XXXX XXXX to call immediately because my payment is past due in the amount of {$840.00}. My initial loan was {$800.00} and I have already made 5 on time payments. I called immediately in which the recording continue to say " all agents are busy assisting other customers '' I called all day and would continue to get the recording and not a live person. In one of the emails sent It mentioned to reply to the email in which I did reply but did n't get any response just a repeated pre typed email. I feel like this is a scam and tactic in getting more money.
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of the recent Equifax data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been 30-59 days late with my car payment to XXXX XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This company, Fair Collections Outsourcing calls me indicating I have unpaid debt and continues to try and have me provide my ssn. I don't miss monthly payments for my obligations and any debt they're stating doesn't add up. When XXXX inquiry why they need my ssn if they contacted me they say that they can't locate the account. I feel like I am being scammed.
Consumer complaint received 2018-03-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc. (PA)

Our firm was hired to negotiate a settlement between the Loan Servicer and our client ( the Debtor ). When trying to get information with the loan sevicer they refused to work with me even though we have sent our  Third Party Authorization several times. 
GM financial is in violation of Regulation V XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you regarding the account associated with XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 Inquiries that are still present on my credit report. It has come to my attention that despite numerous attempts to rectify this matter, the account remains unresolved. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX XXXX Account # XXXX XX/XX/22 CASHED CHECK # XXXX {$3900.00} XX/XX/22 CASHED CHECK # XXXX {$2900.00} XX/XX/22 CASHED CHECK # XXXX {$2400.00} XX/XX/22 CASHED CHECK # XXXX {$3800.00} All Four Checks were Fraudulent. The signature on each was identical, and check number match old check numbers all deposited. The fraud was discovered by company XXXX during our regular reconciliation of accounts. A fraud claim was submitted to Wells Fargo XXXX and denied XXXX.