davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

US Collections, a collection agency is trying to collect monies that I do not owed to their client, XXXX at XXXX. I sent three letters back in XXXX, XXXX, & XX/XX/XXXX ( letters attached ) to validate the debt, they were not able to do so. I requested to be removed from their records and credit bureaus as there was no basis for this collection. 

I never received any correspondence from then since XX/XX/XXXX, therefore, I assumed this had been taken care of. However, on XX/XX/XXXX I tried to apply for credit, and it showed a negative mark in my credit report from US Collections for an amount of {$7000.00}. This has hurt my ability to obtain credit. 

Briefly, I broke my rent lease with their client, XXXX at XXXX, an apartment complex, due to they fail to reply in compliance with A.R.S & 33-1321. Their client did not render a judgement against me ( which I was looking forward to resolve this in court ) instead they assigned this claim to US Collections.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ingenuity RM, LLC (MN)

I am constantly receiving harassing, abusive, and profane phone calls and letters via U.S. mail from Ingenuity RM Representatives in regards to file number : XXXX, Amount : {$200.00}. The account or debt is not my account or debt. The debt was incurred as a result of identity theft. The account or debt is not mine. The account and debt is a fraudulent account and from identity theft. Ingenuity RM is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ),
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.
Consumer complaint received 2020-03-26
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: AmeriHome Mortgage Company, LLC (VA)

Due to COVID-19 I contacted my mortgage company advising that I was furloughed and no income, I was told that a package will be sent to fill out to see if I qualify to not to pay for three month since everyone is suffering cause of the Virus. Received the package and completed and sent on XX/XX/2020 Next thing my credit score gets dropped by 100 points. 

Name of the mortgage company is : Ameri Home Mortgage Acc # XXXX
Consumer complaint received 2020-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/XXXX, a call from XXXX contact me, he claims he belongs to XXXX XXXX XXXX, and claims that there is a package with my name contain 4 credit card, and transfer me to police, and then the " police '' said that I involved into a global money-laundering crime, and claims that I am one of the suspects,  in addition, he claims that this is country top secret and make me download an app in XXXX App store called " XXXX '' to contact with " security ''. After a few days, with everyday calling and pretend as police to threaten me since I was just a college student, he said that I can afford recognizance to ensure I will not be forced to leave America. I was afraid at that time since every day threatens, I forget the role between America and XXXX and trust his saying. On XX/XX/XXXX, I use wire transfer on Chase website transfer XXXX dollars to them, On XX/XX/XXXX, I transfer another XXXX dollars. This account located in XXXX XXXX, since after transfer, they delete the chat history, I only get some information but I think this is enough to track this account. The Chase wire tracking number for XXXX is XXXX, for the account owner information is XXXX TO XXXX which is the account owner name, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is the address. The bank is XXXX XXXX XXXX XXXX  XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Since I was in semester final last month, it takes me a long time to finally realize this is just a scam, I was totally regret what I am doing, I also realize that I leaked too much personal information including my name and address and my XXXX ID. Recently, these cheaters contact me again in order to get more money and also threaten me on " XXXX '', currently, I try to not reply or reply with ambiguous word, but I am afraid since I leak my address, I have already called the local police, but they transfer my case to a special detective and give me a number saying that this number will contact me, but two days already, no one contact me yet. I find this website from our XXXX consulate page about " How to deal with telecommunications fraud in the United States? '' so I contact you guys, I hope you guys can help me, PLEASE! I can attach the information I have collected on attachment since these documents have my personal information, I hope you guys do not leak it.
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC (LA)

I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NC)

Upgrade has me currently on a high interest loan. Payment is really high with minimal impact to the principle. I request to file a hardship to reduce the APR but they do not do that. They only will lower the payment amount each month but will not lower the APR. however the difference from the original monthly payment will be tact on at the final payment making it a very large payment to pay off.
Consumer complaint received 2021-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (NY)

When I applied to cash out my recently acquired investment properties at Athas Capital Group, XXXX XXXX told me that they would approve the cash out loan based on the actual market value at appraisal, not the purchase price because we acquired the properties at very low prices. However, after Athas Capital Group checked my credit score, they told me that they could only approve the loan based on the purchase price. XXXX XXXX cheated me to submit my application and business checked the credit score, now this business must remove this credit check from my profile as soon as possible. If XXXX XXXX did not promise to approve the cash out loan based on the actual market value, I would not submit the application.
Consumer complaint received 2021-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC (IL)

I took out a {$1400.00} loan with lendnation i had a payment due XX/XX/2021 called the company and they extended the payment to XX/XX/2021 paid the monthly installment of {$530.00} on XX/XX/2021 the next payment was suppose to be due on XX/XX/2021 checked the website and it didn't show a monthly installment it showed ( default ) {$1400.00} called XXXX XXXX in customer service and he communicate that lendnation no longer did business in Illinois and said that the default wasn't going to go away. Didn't quite understand why it was in ( default ) not what was communicate or set up. ( Similar to a previous complaint with the CFPB )
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Last month, I received a notification from XXXX that there was a debt collection agency indicated on my account, which significantly decreased my credit score. There was no prior notification of any kind sent to me in writing, by email, or by phone by any debtor. I called the collection agency, but they were unable to give me any information, as I have no account number to give them as a reference, since I never opened this account. They were unable to match my name with the amount reportedly owed on my credit report as well. The crediting reporting agency does not reveal the full account number. Upon disputing the item with XXXX twice, I learned that the item originated from XXXX, with whom I have not opened an account. This item has to be either fraudulent or placed on my account in error. Upon further investigation, I also noticed that an unauthorized inquiry was placed on my account last year in XX/XX/2020 from XXXX. I havent had any luck getting any information from the collection agency of any kind to document my authorization of any opened account. Furthermore, there are no documents ( contracts, letters, bills ) of any kind for me to attach because I did not open this account.
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TX)

i bought 2 money orders on XX/XX/2020 to pay my XXXX rent and sent them in the mail to my landlord. My landlord contacted me at the end of XXXX and informed me she never received the money orders. I then found my receipts for them and contacted Western Union and they informed me that they were never cashed. They told me what i needed to do to get a refund check sent to me so i can pay my rent. I filled them out and sent them in to Western Union. After not hearing anything back from them i called in mid XXXX and they informed me they sent a refund check out but it did not go to me or my address. After speaking to numerous supervisors and customer service reps i have gotten no where they informed me to email my documents again and they would escalate the issue but still almost 2 months later and i still do have a refund check for the XXXX dollar money orders i purchased. Which means somewhere there has been fraud committed because someone had to have altered the refund information to be able to issue a check out that was my money to someone else. I am needing help to recover my money.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Our house was destroyed during Hurricane Irma. We are in a FEMA declared disaster area. We have 35 % of our home remaining inside! We were given forbearance from Chase thru XX/XX/XXXX since they denied us a modification. Chase Mtg has reported that we are behind more than 60 days on our mortgage. This is the 2nd and third time they have done this. The first time a month ago was corrected, now they have reported to credit agencies on Friday XX/XX/XXXX and then again on Monday, XX/XX/XXXX. 

We have called Chase Executive offices, we have asked them to please stop and correct, this has not been done. We have asked for a proper letter of apology and they issued one that does not state properly their inaccurate reporting. This is the 3rd time in 40 days they have dropped our credit rating and score more than 100 points. They are destroying our credit with other creditors because of this. This is unethical, unjust, unwarranted, and purely brutal on their part. They do not have a care, nor concern for their customers. To happen once, is one thing, but three times in 40 days!
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Shellpoint Partners, LLC (MA)

I filed a dispute on Shellpoint thru XXXX  in XX/XX/XXXX& XX/XX/XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with Shellpoint on XX/XX/XXXXwhich I PD on XX/XX/XXXX.but on XXXX  it states PD XX/XX/XXXX but references XX/XX/XXXXand was for XX/XX/XXXX {$2100.00} 2nd mod PD end of XX/XX/XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XX/XX/XXXX for XX/XX/XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XX/XX/XXXXi disputed the dates & XX/XX/XXXX said no payment i am going to XXXX XXXX XXXX XXXXXXXX tomorrow to get payments sent to Shellpoint from XX/XX/XXXX-XX/XX/XXXX. Which will prove Shellpoint received the monthly payments. The Attorney Generals Office in XXXX reached Shellpoint & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from XXXX  that my dispute was ready checked XXXX  put in No Payments for XX/XX/XXXXwhich also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XX/XX/XXXXafter Fraud/Identity Theft!
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

This final t refuses to call me their executive office always calls me instead they email me Im not happy with their response they have not taken care of my concerns I recently applied for a credit line increase on my Exxon Mobils account and was declined for ridiculous reason which has nothing to do with my credit even though it was pulled without my consent the reason on the letter insufficient time since last review which doesnt make any sense since I never requested a line increase in last 6 months I never got this I dont understand them I called customer service they refuse to help me and their executive office too
Consumer complaint received 2017-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

Loan for  XXXX  made on  XXXX / XXXX /  XXXX  , Im strangling making payments for this loan due to health problems. I contact the company but there said that is nothing they can do, so I call a not-profit organization and they mention that in California is illegal that the charge so much in interested 737.7301 % and that his company is been sue for this sent reason, I was recommended to do a complaint. I can keep paying and I need help.
Consumer complaint received 2020-10-06
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: EQUIFAX, INC. (GA)

I have sent several dispute letters to Equifax and they have not investigated this fraudulent account. Its been removed by both XXXX and XXXX XXXX. Equifax has not began any investigation on this account. It has not been deemed frivolous but its constantly looked over in every dispute ive sent. Ive sent all supporting documentation including a FTC Identity Theft affidavit, an Identity theft police report filed with the XXXX Police Department, and also a letter requesting block or removal.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (KY)

This company is in violation of multiple FDCPA laws.I have sent a validation debt letter and cease and desist letter over 45 days ago. I demand that this company cease all forms of communication with me through any and all mediums.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

My credit report is being negatively affected by 13 total late payment indicators on 3 separate student loans I have with XXXX XXXX XXXX. The loans were always in good standing for years before these reported months and are in good standing now since 2016 when these payments were reported late inaccurately. Its my belief that the loans should have been in deferment at that time or if they were not, I was not properly notified that the payments needed to be made. Even though fed loan servicing is reporting the late payments they refuse to remove them but suggest that I ask the credit bureaus to remove them as a courtesy. But they will not.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (MS)

on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

equifax when identifying a consumer asks for all credit card info and then picks one it wants. all bank cards named and then says that is the one, instead of multiple choice like other 2 bureaus. it is nuts. i have 28 cc and 5 bank lns. to name them all from memory.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account  reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received Capital One 's response to my complaint that they incorrectly reported to the CRA 's that I was late over 30 days in XXXX of 2019. Their mistake was to claim that I drew on an account that is still an option for me to use on this account, and that as of the date of theri reply that it still is an option to draw from that account. I have verified with my own account and their customer service that this XXXX XXXX account has NEVER been an option to pay for this credit card. Capital One is in fault here and this should late should be removed from my reports, and they need to do an internal investigation on how one side of their company is saying one thing to me and the other side is saying something different. This has severely hurt my chances on buying my dream home and Capital One needs to take accountability.