davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

At approximately XXXX XXXX PCT on XX/XX/2020 I received the following voice message : " Hello this message is intended for ( myself ). ( myself ) this is in regards to ( consumer ). ( Myself ) if you'll please relay this message to ( consumer ) my name is Mr.XXXX and I need ( consumer ) to contact me here today so we can discuss the situation and options in reference to XXXX XXXX XXXX here with XXXX XXXX. If I don't hear back from ( consumer ) today I'll have to assume he has no intentions of voluntarily resolving this is matter. I'll be in my office today until XXXX CST and I need ( consumer ) to contact me at XXXX extension XXXX. '' When returning the voice message to the referenced number, I spoke with a man name XXXX. He would not confirm nor deny this is a debt collection which clearly in the voicemail this implies some type of legality. I then asked to be transferred to Mr. XXXX. I addressed that the voicemail was inappropriate and the call was in violation of 1692b. Mr.XXXX then became irritate and I asked to speak to a supervisor on 3-4 separate occasions with him repeatably asking if I wished to be taken off the contact list for ( consumer ). When speaking to the XXXX ( employee number XXXX ) the supervisor I relayed my concern and she urged me to be taken off the contact list and I said no, I do not wish to be taken off. She proceeded to tell me since I " threatened '' illegal action on the businesses part she was taking me off as the contact. I asked to file a complaint. XXXX proceeded to tell me she was filing the complaint and was getting ready to terminate the call when I insisted I wanted a reference number for the following complaint. XXXX proceeded to ask why I wanted to file a complaint and I said in reference to the FDCPA 1692 and relaying unneeded information to a third party voicemail. I then stated this would go to his supervisor and I would not receive communication on the matter. I asked XXXX if she was indeed his supervisor, which I requested to be transferred too, she confirmed she was an account supervisor but not Mr.XXXX supervisor. I asked for her name and the representatives name I previously spoke with and she relayed XXXX. I asked if I could receive information on this and she denied the request. I was repeatedly asked the same questions over and over. Do I know the consumer, can I relay the message to the consumer, am I the consumers wife. I did not confirm my relationship with the consumer.
Consumer complaint received 2022-04-27
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. (FL)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX/ {$0.00}
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I had a mortgage with Wells Fargo. In XXXX, I refinanced with Wells Fargo. Now inXXXX XXXX  XXXX I applied again to refinance. It was approved and I have letter of committment from the bank dated XX/XX/XXXX. I had an appraisal done of the property and paid for that. In mid XXXX I was told that Wells Fargo would not let me refinance because I had individual stock certificates for the two apartments that I own rather than a single stock certificate. I was told that it would be too late to change if the Coop Board was willing to change their policy because as we were speaking the application was declined and I would have to start over again. I have a statement from XXXX and the buildings management company indicating that the two apartments are combined. Two separate certificates is the norm. I asked to speak with someone who was involved in the decision and was told that underwriters make the decision, and clients were not allowed to talk to them. I was told that this is an industry wide practice mandating by XXXX XXXX. I spoke with someone in the XXXX XXXX office and they said this was not so and was particular to Wells Fargo.
Consumer complaint received 2020-11-22
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. (KS)

I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX XXXX account amount {$2100.00} is not mind.
Consumer complaint received 2019-08-16
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. (NJ)

I pulled my Credit Bureau XX/XX/XXXX, the bureau had a previous address that I have never lived at. I initiated a dispute with Equifax who at the end of the dispute told me that the address was Fraud and would be removed.. On XX/XX/XXXX I pulled a new bureau from Equifax and found that the address that they told me was fraud and would be removed was  still showing on my credit file. Equifax required me to initiate a new dispute. The dispute was closed and once again Equifax told me that the address will be removed. I have another bureau pulled XX/XX/XXXX and the address still is showing on my bureau and I am being told I need to speak to the fraud group again to have my concern resolved.
Consumer complaint received 2021-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$6100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-08-16
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. (TN)

XXXX, XXXX  and transunion are reporting a debt owed to the collection agency XXXX-XXXX  for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX XXXX  XXXX. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Hello. 
When Covid struck back in XX/XX/XXXX, many of us within the Local lost our jobs including myself. While I continued to pay my mortgage, in XX/XX/XXXX I received a letter from my mortgage provider, Select Portfolio Servicing , Inc., Which stated, if you have been experiencing a hardship due to COVID-19 to call the XXXX  number. Upon doing so, Select Portfolio Services offered me a three month hiatus. Then, in XX/XX/XXXX, I was given another three month hiatus extension. This happened again in XX/XX/XXXX, whereby, I was following their own rules. I was asked to check in once a month which I did. 

As we came in to XXXX, Select Portfolio Services says they were going to work with me. As a matter of fact onXXXX XXXX I spoke with one of the representatives, XXXX, whom stated they were looking into a forbearance plan which involved a possible loan modification. She to asked me to check in weekly after I provided my paystubs and tax returns. After providing tax returns and paystub s, and following up with them, I was told several times, that they did not receive the documentation and to resubmit. Depending upon whom I spoke to, the information provided was always different. Now, a month later, I just received a letter on XXXX XXXX, stating they are unable to offer any assistance and they attached a letter of foreclosure which stated if {$36000.00} was not paid then their intention is to foreclose on the property.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax is not allowing me or lenders to view my credit report. I am trying to refinance my home mortgage, and Equifax is not providing the lender with my report or credit score. I have called Equifax on XX/XX/2019, XX/XX/2019, XX/XX/2019, and numerous other times in XXXX and XXXX. My Equifax report has not updated on XXXX in months. I can not even aacess my report or score o. EQUIFAX website. I am denied credit due to Equifax.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express has been avoiding ACH authorization on my debit account and has been debiting checks in my name to their company. They are debiting my account with the checks outside of my original agreement therefore over drafting my account. I am not receiving any written correspondence from this company on the collection of my funds. The company has not been helpful but now I am informed that this is illegal I am trying again to collect my funds from this illegal activity.
Consumer complaint received 2019-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card.
Consumer complaint received 2022-09-15
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. (OH)

In accordance with the Fair Credit Reporting act these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I submitted a credit report dispute to verify a collection account on my credit profile with XXXX on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is Midland Funding LLC. XXXX allegedly contacted Midland Funding LLC and was able to verify the information by XX/XX/2019. However Midland Funding LLC or XXXX  has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (MO)

I applied for multiple pre-approved credit card offers through Credit karma that were deceptive and misleading. The actions resulted in multiple denials for credit, which in turn caused my credit scores to drop and my credit rating to suffer. This in return made my search for a new vehicle a struggle and once approved for a 2013 vehicle the interest rates were significantly higher causing undue financial duress for years to come.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (ME)

I was perusing my credit reports last month and came across a collection account that was originally with a LVNV Funding, but it said that a company called Resurgent Capital Services and I was instructed to contact them directly regarding this collection account. I have absolutely no idea what this collection is from. I do not recognize it at all. It is a small collection of only {$230.00}, so I sent an email to Resurgent Capital Services and included a screen shot of the collection account from my credit report and provided them with my full name. I informed them that I have absolutely no idea what this debt/collection is from, but that I simply want/need it deleted from my credit reports, so I asked if they would be willing to settle this collection for a lesser amount in exchange for deletion from my credit reports. I had to email Resurgent Capital Services MULTIPLE times before I finally got a response nearly a month later. I received a response from someone named XXXX XXXX, who stated that she was unable to locate " any specific account '' in their system under my name. She then asked for very personal information, such as my social security number, date of birth, my address, etc., which I REFUSED to provide her. I don't even know who these people are. I provided her with my full name as well as a screen shot of the collection account from my credit report, which should provide ample information for her to locate any account that they may have for me. 

I responded and informed her that if they have no record of any collection accounts for me, then they need to IMMEDIATELY delete this collection from all 3 of my credit reports. 

Resurgent Capital is now refusing to respond to me and this collection account for {$230.00} is STILL showing on my credit reports. I need it deleted IMMEDIATELY. This is slanderous and false credit reporting and they are violating my consumer rights by refusing to not only communicate with me regarding this, but also refusing to delete this from the credit bureaus. With my complaint I have attached a screen shot of this collection account as it is seen on my credit report.
Consumer complaint received 2022-03-01
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. (MI)

I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.

15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system.I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX. 
XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX 2019
Consumer complaint received 2022-03-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (MO)

The DISCOVER FIN SVCS LLC account with the account number XXXX that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. ()

I entered the XXXX market XX/XX/XXXX at XXXX pm and this page appeared. I had very good comments so I trusted them I went to their catalog and chose some products, I made the bank transfer of {$500.00} pesos and they never responded.
Consumer complaint received 2021-02-04
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: Resurgent Capital Services L.P. (AZ)

I am trying to clean up my credit report from an injury i had in XXXX. I notice there is a creditor LVNV funding linked to a XXXX XXXX Credit card i have no memory of. I saw original debt was XXXX which is when me and my child 's mother split up. I originally disputed it stating it belonged to my ex. because i do not believe I ever received that card. She is still at same address as then. I just had forgotten about it. XXXX XXXX I sent them a letter asking for proof, a signature, anything with my agreement. They sent me back a court document from the county i live and it appears they got a judgement on me for the amount owed and its funny how it goes up by a random numb er at strange intervals. I was never supenia 'd - i was never advised of this court date or of this debt for that matter, whenever i call they are rude. After coming here It appears i am not the only one - LVNV has a history of scare tactics to get dirty money.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX, I applied for a XXXX credit card through XXXX XXXXk. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.