davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
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. (PA)

I want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical XXXX XXXX  Inquiry from XX/XX/XXXX + Utilities & Fuel
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.
Consumer complaint received 2023-01-11
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. (SC)

To Whom It May Concern : XXXX, XXXX, and TRANSUNION Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations XXXX, Transunion and XXXX regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX TRANSUNION Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX  XXXX : ACCOUNT # XXXX TRANSUNION *There are XXXX accounts of XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX TRANSUNION Billing error on this XXXX XXXX XXXX  XXXX, never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on 15 USC 1681 b- PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this.

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2019-11-09
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I would like to make a Complaint with this Company I dont owe this company XXXX XXXX XXXX {$1100.00} They have the wrong person and Ive never heard from this company up until this year XXXX when I checked my Credit Report they opened collection in XX/XX/XXXX without notifying me.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I charged a dental service on my credit card on Saturday XX/XX/XXXX The charge was XXXX XXXX baht The published exchange rate is XXXX baht/USD The charge appeared on my account was at rate of XXXX baht/USD, WHY? 

The billing should be {$180.00} I was charged {$180.00} Difference {$4.00}
Consumer complaint received 2020-11-04
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. (CA)

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  Experian and XXXX. Please see attached supporting documents
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

There are many sides to this complaint. I will list them in numerical order. 

1. We proved to Kimball, Tirey and St. John Law Offices via pay stubs ( Military terms XXXX ) that the rent was paid in full, and in fact, was over paid for the month of XXXX 2011. We sent in proof, not only to them, but to the original creditors XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. 

2. We have spoken with the housing office for the military and they confirmed the rent was paid in full. They stated we should have XXXX XXXX XXXX XXXXXXXX XXXX contact them to confirm. The manager stated, when we told her this, ( numerous times ) that it was n't her job to call and that they had no proof of payment. She kept requesting a receipt or cancelled check, but that was impossible, since the military included our rent in our paycheck and it automatically went to them every month through XXXX. 

3. We have provided proof twice to Kimball, Tirey and St. John by providing official copies of the XXXX. ( XXXX XXXX XXXXXXXX XXXX ) provided to us by the military. We asked them for proof that it was n't paid, so we could submit that to the military, so they could pay for it out of our XXXX if for some reason our statement and their statement showed differently. The only thing they could provide for me was a signed piece of paper from XXXX XXXX XXXX XXXXXXXX XXXX by the manager stating that rent was due for the month of XXXX, 2011. They could not provide any official proof. 

4. The amount they are stating is owed is {$1800.00}. We have proven to them that they received the entire amount for the whole month of XXXX, 2011 in the amount of {$1900.00}. We overpaid and never got our check for the overpayment. 

5. We recently contacted XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who confirmed this debt was paid and said he spoke with Kimball, Tirey and St. John Law Offices to tell them to remove the debt. 

6. Since then, I have filed with XXXX and XXXX ( working on XXXX ) to ask it to be removed and Kimball, Tirey and St. John Law Offices responded, saying debt was valid.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paradigm Assets, LLC (CA)

XXXX XXXX XXXX XXXX after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with XXXX mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services (GA)

Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (OH)

Im being pursued by Phoenix Financial for {$690.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX originated in Texas - XXXX after ( XXXX ) years This debt rolled off my credit report XX/XX/XXXX and then XXXX passed-off the debt to Phoenix Financial Service to continue hot pursuit. 
XXXX REMOVED XXXX unfair reporting and deleted them from my credit file because they were entering derogatory remarks TWICE per month? Now XXXX unscrupulous service has passed dead debt on to Phoenix Financial to continue with unfair reporting practices. 
Dear CFPB, Im contacting YOU as their big brother, please drown this alligator once and for all and lay this debt to rest with prejudice. I'd also like to file a formal complaint against XXXX for harassment. 
Sincerely,
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (OR)

When our mortgage was refinanced in XX/XX/XXXX it was shortly thereafter reassigned to Stearns Lending. all escrow accounts were in order and in good standing. Somehow when it came time to pay the county tax something went wrong without our knowledge. Fast forward to XX/XX/XXXX the mortgage was again transferred this time to XXXX XXXX. They found the discrepancy and tried to get Stearns to correct it. They never received any kind of response to so the bill was forwarded to us. We are now paying an extra {$180.00} a month on our mortgage to cover the cost of the back taxes. We contacted the escrow company whom we closed with to find out what happened. They discovered that Stearns paid the taxes on the wrong property. All this information was forwarded to Stearns this was XX/XX/XXXX. I never heard back. We contacted them again XX/XX/XXXX, they said it would take 30 days to correct. Still, to this day it is not corrected we are still paying for their error and have not heard back. I contacted them again two weeks ago with the promise to have it looked into again but still nothing. The extra cost is becoming a hardship for our family.
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We purchased a home in XXXX  XXXX  and the amount was {$66000.00}. Due to the mortgage financial meltdown around XXXX, the U.S Government closed GMAC the prior servicer and a new servicer came by the Ocwen. The New Servicer Ocwen sent a Modification document. Ocwen increased the unpaid balance from {$58000.00} to {$85000.00} and the Maturity date from XXXX to XXXX. Also, the modification was not signed by one of the original owners meaning a signature was missing or forged by ocwen. 

My concern : 1. Why the unpaid balance increased from {$58000.00} to {$85000.00}? 
2. Why the Maturity date changed from XXXX to XXXX? Why 6 Years extra? 
3. Who authorized Ocwen now PHH Mortgage to steal or deceitfully rip us off? 
4. Should the $ XXXX added to the principal ( {$27000.00} = {$85000.00} - {$58000.00} ) or unpaid balance enough for the two ( 2 ) years Ocwen stated we didn't pay?
Consumer complaint received 2019-11-09
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (NJ)

I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (OK)

I was told that you all can help me. 

On XX/XX/21 I sent a letter about some inaccurate and Unknown items i seen on my credit report its been all most 30 days later and i haven't heard anything. I feel everyone invloved is taking advantage of me and nobody cares about my disputes. Section 611 ( a ). plainly says that a failure to investigate within 30 days gives a reason to immediately remove the items from my credit report it has been almost 30 days but nobody has updated me so they should be deleted acording to the law. I demand these accounts be deleted immediately or I will have no choice but file to go into litigation due to all of the stress everyone caused me. Completely messed up my credit and i have to pay way more than i should be paying in interest. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have {$7000.00} dollars in my saving account that I can not withdraw because citi bank hold the fund for no reason. I tried to contact the customer service and the customer service asked us to go to the local branch to fix the problem. When I visited the local branch, the front desk asked me to contact the customer service, again. I have been contact with customer service and they kept saying I have to wait for indefinite time. I need the fund and my hard working money in my saving account.
Consumer complaint received 2019-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Early this morning XX/XX/XXXX I woke up to alerts that there was a transaction made that was suspicious. I did not recognize the purchase and immediately called the number I was given, but no answer. I wasnt able to fill out something on the mobile app where I showed all the transactions that I didnt recognize and submitted it. They said they would investigate and mail me a new card. However nothing was said about a refund. I need to make sure I get all my money back for that. Im a poor college XXXX, and can not afford to just lose {$100.00} overnight cause of fraud. Please get back to me as soon as possible. Thank you
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Southern Auto Finance Co (GA)

Between XXXX and XXXX we made payments to Safco in an amount totaling {$2300.00}. Safco has acknowledged that they are not entitled to these payments since these payments were made after the loan was transferred to another financial institution. 

Further, Safco has indicated on multiple occasions that they are processing a refund to return the above amount. However, it has been well over a month and we are yet to receive any repayment. Please help us resolve this matter quickly. 

XXXX XXXX
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NC)

On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Claim ID # XXXX. I was told that my claim was denied because you guys thought that it was a duplicate charge and the merchant had credited my account for it. I explain that it was two separate charges and faxed all documentation showing the charges and what the merchant said. My claim was never reopened and I keep being told by the merchant that I have to dispute my charge with my financial institution.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

I have XXXX bill for XXXX I was contacted by DCI-XXXX  XXXX  and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. XXXX and DCI are not upholding their part of the agreement.