davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (AL)

On or around the XXXX of XXXX 2016, I received a call from CBE Group about an XXXX XXXX XXXX bill of XXXX. I do not have a bill at XXXX XXXX XXXX for XXXX I am still a client of XXXX XXXX XXXX. I told them that I had not received a letter from them and he stated that they mailed me a bill. I told them I have not received anything from you so please send me verification or a statement, because I do not know who you are. He stated he could not and nothing ever came, but they called XXXX 3 times a day on cell phone and home number. I answered again and asked to see the bill and they told me that they emailed it to me and the email had been opened. I asked for the email address where they sent it and it was not mine, I told them that. They said they could not send out another bill. So I called on XXXX XXXX and asked for their mailing address to send them something certified and they would not give me a fiscal address, the woman stated that they did not have XXXX, only a XXXX XXXX XXXX so I looked it up and they did have a fiscal address. I called again on XXXX XXXX and asked for the account # and the woman was very hesitant she only wanted a payment of XXXX. I sent them a certified letter on XXXX/XXXX/16 and on XXXX/XXXX/16 I received a letter ( attached ) stating that they had sent me a letter over 30 days ago concerning this bill, then I received an alerts on my phone that this was put on my credit reports XXXX. I want this negative account removed from my credit reports. I want this bill validated that I even owe XXXX XXXX XXXX and that they have the right to collect from me. Answers to the information that was sent to them certified and they received on XXXX/XXXX/16. Copy of USPS Tracking information attached and copy of letter that was sent to them, and a copy of the letter that I received from them on the XXXX/XXXX/16.
Consumer complaint received 2022-02-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing has been trying to steal my paid-for home. Select Portfolio Servicing has been harassing me under different bank names and charging me bills on my paid-for home. This company hired attorney XXXX XXXX XXXX who committed mortgage fraud. I paid the entire mortgage from XXXX XXXX and have a recorded satisfaction on file with the county of XXXX. First, they tried to steal my home through XXXXXXXX XXXX and again through XXXXXXXX XXXX. I never did business with any of these banks. I have had enough today ; someone came to my door representing the bank and said to me, you XXXX XXXX don't like paying your bills anyway, give us your house. XXXX XXXX does not exist. 
XXXX XXXX XXXX, XXXX. is a foreclosure Factory. It is XXXX XXXX largest foreclosing law firm. If you live in New York and are in foreclosure, then there is a very high chance that the foreclosure law firm suing you is XXXX XXXX XXXX, XXXX, located in XXXX, New York. Over the past several years, the XXXX XXXX XXXX has become one of the largest foreclosure factories in the country, representing dozens of banks in foreclosure cases. 
Last year they filed a staggering XXXX foreclosure lawsuits, which comes out to about 50 a day. Many of the foreclosure cases we defend for our XXXX XXXX clients were brought by XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-02-16
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$20.00} XXXX XXXXXXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (SC)

I'm a victim of identity theft and I didn't apply for anything with CBNA. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account on XX/XX/19? Please provide me with all written documentation within 15 days because this is a violation and you must DELETE it from my credit report. 

Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry. 

Thank you
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
Consumer complaint received 2022-02-15
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WI)

I check my credit information both on XXXX XXXX credit check and XXXX XXXX in my XXXX  credit report I noticed a hard inquiry that I did not approve, the company syncb is a national credit card/airlines company based out of Florida, it says the inquiry was placed XX/XX/2018. I do not recall placing this request or approving of it and I would like it removed.
Consumer complaint received 2017-03-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This is what happened. I had been leased for a car back in XXXX XXXX. I did n't know know anything about the creditor nor the bank that the dealer had done my loan account and amount for the loan I was asking for. I have never had the copy of the contract for the vehicle or loan. All I was giving was the application I did n't fill out. It was all electronic and electronically signed by the dealer. Until XXXX XXXX I was barely able to make the payments. I looked over the paperwork that the dealer had given me and the only thing correct on the application for the car loan and for the vehicle was where I was employed. My monthly income, when I started my employer, and my housing situation was all false information. I called the creditor to explain to then that the information was incorrect. They would n't change it nor listen to what I had to say. They claimed to have a paystub that I did not give them. The paystub they had informed me that I had gave them was dated for XXXX XXXX, XXXX. I had n't even spoke to them let alone fax such a paystub. I 'm very upset now because they finally came and reposes the vehicle after I had explain to them to come take the car back in XXXX XXXX. I can no longer get my personal belonging from the vehicle. I do n't car about the car itself. I just would like my personal belongings from the vehicle. The creditor who hired the repossession never contacted me so i was able to get my belongings out of the car. In fact I still have the key to the car. When I was at the dealer I was informed that there was only XXXX key and that was it. I never had duplicate. So currently i had to quit my job because I 'm not able to get to my employer. I ca n't get any of my personal belongings from the car because the company who took it for the creditor will not even contact me back about my belongings and I would never be able to get to the place the vehicle was take to. I need help to get this taken care of and I 'm a poor college student. I 'm having to move as soon as my current school semester is over in XXXX XXXX because I have been homeless sense last XXXX XXXX. I was actually sleeping in the car they had reposes. Credit Acceptance, home-base of XXXX Michigan is the worst
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

On XXXX/XXXX/XXXX I sent Diversified Recovery which appears on my credit report a dispute verification letter which states I 'm Deragotory, I owe {$270.00} am in collectins in reference to a XXXX XXXX acct XXXX. As I was checking around my previous credit reportI came across on XXXX dashboard the XXXX has been under enhance and XXXX/XXXX/XXXX removed XXXX XXXX XXXX/XXXX/XXXX was removed that is XXXX.Now I see is Diversified Recovery.I thought the accouunt was alrerady removed from the XXXX credit bureau XXXX, XXXX, XXXX of XX/XX/XXXX.The correspondence I received XXXX/XXXX/XXXX was a lettter acknowledging my dispute a back last bill page that I owe XXXXBill period XXXX Bill date XX/XX/XXXXbut no validation, proof or contract.I sent out a XXXX dispute letter to diversifiedafter 31 day and they sentmethe send tim.e aroundon XXXX the same letter and last bill page all they did was put a different date.on the credit report Diversified Revovery is re-aging this XXXX acct. as first opened XX/XX/XXXXor XXXXon XXXX reported XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, and XXXXXX/XX/XXXX. I have checked XXXX and Score sense ... .Is n't this a Violation? I THINK SO!!! I have had XXXX from XX/XX/XXXX until now
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital one is harassing by sending spam paper mail communications. 

The opt out process is unclear and difficult. 

Capitol one is violating my personal privacy. 

Capital one is sending unsolicited harassing communications that create a threat to personal privacy. 

XXXX is not at the address.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LD Holdings Group, LLC (MT)

Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.
Consumer complaint received 2019-10-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Trying to close a refi on my mortgage.Three closing dates were set up and company won't send closing disclosure, title company can not close.Started this refi XX/XX/2019 has been in and out of underwriting, closing and title company since XX/XX/XXXX.Company will not give me a reason why.
Consumer complaint received 2022-09-06
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. (NV)

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Consumer complaint received 2021-04-29
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. (CA)

I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is the only one that had deleted the inaccurate information.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and XXXX are two different Company showing on my credit report and I know anything about this. This is fraud and I know anything about this reporting on my credit report. 

XXXX, I have no knowledge of this account and XXXX, this is unverified account
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TN)

XXXX  credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from  XXXX  's to  American Express.
Consumer complaint received 2016-08-15
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Harpeth Financial Services, LLC (TN)

There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CO)

On XXXX I received an escrow analysis causing my payment to increase for the fifth year in a row. I cancelled my insurance and obtained insurance on my own out of pocket. I contacted my navy federal credit union to cancel the escrow account, stating I have my own policy and the property tax will be handled by me as well. They have been extorting excessively high escrow fees for five years now! Im a XXXX veteran on SSDI. This escrow extortion has been out of control. Im nearly paying two months of principal, its outrageous. My principal is only {$530.00}, with escrow now, its {$900.00}. Thats insane, they make up some lies about the VA required them to have an escrow account. Since Im paying my own insurance out of pocket now, my escrow should at least reflect that, which doesnt.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year, I requested a copy of my Experian credit report and have not received one. I completed the form for a free copy on the CFPB 's website and mailed it to the address indicated. This was a few months ago now and I have not received a copy of the report.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

The XXXX XXXX, our local newspaper, asserts we owe them a debt because we chose not to renew a subscription. Their price kept going up, their product quality kept going down, and we let the subscription lapse. For the next 90 days, they continued delivering the paper to our door. During and after that, they repeatedly sent invitations to renew. The most recent said You recently canceled your subscription Were inviting you to re-subscribe with this special [ price ]. In the same invitations, they demanded payment for the 90 days and threatened debt collection. Now their debt collector A.R.M Solutions demands payment and threatens our credit rating. This is nonsense. 

Any company that sends unsolicited sample products to encourage potential customers to buy has no contractual claim to payment for those samples. This is XXXX XXXX XXXX The XXXX cant both recognize we canceled the subscription and demand payment for issues we didnt request. This is outrageous and illegal. We will reply to ARM immediately after complaining to relevant regulators.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.