davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (VA)

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 a. States that I have the right to privacy.

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (IN)

Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
Consumer complaint received 2020-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020- Sent dispute letters to XXXX  , XXXX  , and Transunion . disputes are as follows XXXX  : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX XXXX- {$880.00} XXXX  : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} Transunion : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, Transunion, XXXX, and XXXX
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (OH)

these XXXX companies XXXX XXXX XXXX XXXX GLA Collection Company Inc These two companies are complete scams, I never even been to ( XXXX XXXX XXXX ), but on the XXXX XXXX XXXX XXXXXXXX website they claimed that they treat patients at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. If so, XXXX has already been paid. Im in good standing with XXXX  so these people should not be passing off already paid XXXX  bills to collections company this ( XXXX XXXX XXXX XXXX ) never sent me letter at all never or call saying I owed anything and they are supposed to be the original creditor. 

I have insurance which is ( XXXX  ) and I have been covered by them since I was kid, these are facts. 

My insurance which is ( XXXX  ) already told the ( GLA Collection Company Inc ) company that they could not bill or charge me. 

Date of service claimed XX/XX/2019 amount XXXX XX/XX/2019 amount XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have 4 accounts total, 1 on XXXX, 2 on XXXX  and 1 on equifax which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NY)

In summary, this company, Roundpont, lied to me and told me that my escrow would be put at the end of the loan when we entered into the forbearance during the Pandemic, in XXXX of XXXX. We found out nine months later that we were lied to and our payments were being raised almost {$400.00} or more due to the escrow. 

See attached letter.
Consumer complaint received 2017-06-14
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: Synovus Bank (IN)

I obtained a secured credit card fro m First Progress Card i n  XXXX  of  XXXX . I kept it until  XXXX  of  XXXX . I called to close the account and the rep stated all I needed to pay is {$40.00} and I would not owe any other money and the account would be closed in good standing with no additional monies due because my security deposit would take care of the rest of the balance on the account. Now they keep billing me fees that I do n't owe. and have even gone as far reporting a charge off on my credit report. It is very difficult to reach someone on the phone with this company.     I have complained to each of the  XXXX  bureaus on this matter.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 a. States that I have the right to privacy.

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.
Consumer complaint received 2019-05-11
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. (NY)

I was incarcerated for XXXX  years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) XXXX
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: TOWER MORTGAGE CORPORATION (MI)

I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 142. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (FL)

PROSPER /XXXX  denied my loan on the basis that my PAY-STATEMENT WERE FALSE, stating that not real, acusing me of submitting fraudulent document which is false i have been working for this company for 11 years and these are the statement they always used, they simple assume, that because these statement can be generate online there false or fraudulent i have place a complaint to the office of the attorney general, federal trade commission XXXX local and federal authorities for defemination and accusation of commuting fraud i will like you bring this to your attention and all the authority 's of there practice and XXXX  and will take this all the way
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A request for a lien release was faxed into Capital One at the number they supplied, XXXX on XXXX XXXX of 2017. According to their website XXXX XXXX XXXX XXXX XXXX XXXX, the release should have been sent within 2 business days. Around XX/XX/XXXX I called to check the status, the representative stated that the release had been mailed on XX/XX/XXXX or XX/XX/XXXX. Around XX/XX/XXXX I called again to check the status and was told it would take up to 30 days for the request to be processed and the release to be mailed.
On XX/XX/XXXX I called again to check the status having now received multiple stories. A supervisor stated that this loan was under a different set of rules than what is published by Capitol One and that the 30 day window was correct, though I can not find it anywhere. Capitol One now states that XX/XX/XXXX they received a fax ( possibly from XXXX who had previously held the loan ) and that the release had been shipped out on XX/XX/XXXX, though as of XX/XX/XXXX no letter has yet arrived. As it stands, Capitol One has agreed to XXXX the release which should arrive no later than Monday, at this point I 'm not hopeful.
Consumer complaint received 2017-08-28
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. (MT)

Equifax and XXXX have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent onXX/XX/XXXX. The account was published as delinquent and a collection account onXX/XX/XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( Equifax and XXXX ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TX)

Contacted my Bank ( BB & T ) in regards to unauthorized charges showing on my account XX/XX/XXXX. I immediately had my card cancelled and was transferred to the Dispute Department ( XXXX ) and filed a claim for five unauthorized charges totaling {$170.00} all posting to my account XX/XX/XXXX. I was provided a Claim # XXXX and advised the investigation can take up to 10 days for completion and provisional credit. 
I received a letter in the mail dated XX/XX/XXXX stating a provisional credit iao {$5.00} for one of the disputed charges and my Claim was being closed. 
I contacted the Dispute Dept directly XX/XX/XXXX to inquire about the additional transaction in dispute and was advised BB & T has concluded those remaining charges were valid and my claim was indeed closed. The Rep advised she could contact a supervisor to have the claim re-opened for further review.

I received a call from the Dispute Supervisor ( XXXX ID # XXXX ) XX/XX/XXXX in which she confirmed to me the claim has been closed due to charges being completed with a chip and I had previously stated the card was in my possession the whole time. I asked her how would they come to that conclusion seeing the charges were made in XXXX and I currently reside in XXXX, TX? I did not travel to XXXX overnight to charge {$170.00} on my card and return to Texas the same day?! 
XXXX advised this is the Bank 's practice, but again she will re-open the claim for additional review which will take an additional 5-6 business days for results to be made available.

I am a single mother of three and can not afford to have funds stolen from my account and then not protected by my bank ( BB & T ) I have bills pending payment subject to disconnection due to these funds being withheld for over two weeks and now having to wait an additional week for further review.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE NOTIFIED LOCAL AND FEDERAL AGENCYS I WAS A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-06-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (NC)

Unfortunately, I had an auto loan with  XXXX   XXXX   XXXX   XXXX  tha t slipped into collections in the 1990 's, roughly 20 years ago. Recently, a collection attorney started sending me correspondence about this account, and also threatened to litigate the debt. Their contact, and action, is a violation of my rights under several state and federal collection laws. First of all, the statute of limit  ations to sue for this debt is three years in the state of NC. Since this debt is nearly 20 years old, it is a violation of my rights for this attorney to contact me, much less threaten a law suit. In addition to these threats, they have also threatened to send the sheriff to my home.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I want to file a complaint against regions bank. I'm a new struggling XXXX   XXXX  and a potential future vendor whom I didnt yet do business with yet they went ahead and charged me a lot of $ nearly {$1000.00}. I disputed it as fraud and then without notice my bank notified me that were gon na take away the provisional credit as the merchant sent proof. However upon further review I noticed the documents the merchant sent were for another business and based on the information they provided they were trying to pull a conjob on the bank and me. But lo and behold the bank simply kept saying that they sent adequate information but didnt specify and couldnt explain any legit or specific reason. Then I started to find out that a manager in their debit card claims had gotten involved which is unusual and then after a tense friday afternoon call on XX/XX/2020 where she dismissed my concerns about my sabbath I started to realize that perhaps she was being and acting XXXX. She was rude abrasive and simply hung up and was unwilling to explain anything at all to me. I filed a complaint and apparently the claim was kicked back to the same department that I complained about so of course XXXX was behind the scenes orchestrating all of this. She continues to do as we speak and blocking my ability to bring this to her manager XXXX. We have her on record and she made a personal decision instead of based off facts but now we hold regions bank responsible. Regions then with no notice simply took the funds in dispute out and bounced payments causing me fees so this is time sensitive. I may have to close my business. Please help.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On the morning of  XXXX   XXXX ,  XXXX  I was alerted by   XXXX   that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well.     They are claiming I owe {$1000.00} from alleged  medical services  performed by the   XXXX    XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX   ( three  years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called "  XXXX . '' I have never had any contact with either the physician group noted above or any company named  XXXX  about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back  three  years and determine what happened.     I called the billing company for the physician group listed today and they have another  XXXX   XXXX  in their records, but none with my date of birth or address.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

My Loan # with PHH Mortgage is XXXX, I was approved for a Forbearance plan last year XX/XX/XXXX by PHH Mortgage, I was given 12 months in the Forbearance and after that the servicing company denied to give me any more extension on the same after XXXX of XXXX, I spoke with the investor of my mortgage which is XXXX XXXX to further investigate the matter as I have no job due to covid crisis, I was told by XXXX XXXX  that I will be able to apply for another 6 months of Forbarence through my servicer which is PHH Mortgage as I have only completed 12 months and the forbarence plan can be given 18 months in total, I again called PHH Mortgage to request extension on my forbarence plan, but I was told that I am not eligible for any more extension on Forbarence Plan. 

I request you to look in to this and help me save my home.