davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however Transunion and XXXX will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IN)

003 - 010 on the XXXX XXXX Credit Report provided by XXXX XXXX - RMP LLC. 
Collection are old account and can not provide me with account numbers nor paperwork on that they are trying to collect on. RMP LLc is also the new buyer of these account in which they are over 7 yeras old also.
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I went into the Wells Fargo Bank at XXXX, GA on XXXX XXXX at around XXXX EST to deposit an overpayment refund check that I received from XXXX for an amount of just over {$3300.00}. This check was written to me using my nickname, in which I showed the bank tellers the card that was associated with the check and also offered to show them account statements and my XXXX mobile account information to verify, match, and authenticate that I was truly the person that was listed on the check. I also offered them my Driver 's License which they did not even acknowledge. I told them I would happily allow them to verifiy my nickname was connected to my legal name by calling XXXX. I also stated to them that XXXX was willing to call the bank manager directly to verbally acknowledge the check #, account number, and name on the check belonged to me and matched with the information on my license. This is something that other financial institutions have done for me and I have never had an issue. But today Wells Fargo decided to have 3 different tellers look at the check I was trying to deposit, and scream across the bank at me that they would not be able to deposit it because it would make my account negative because their back office would not approve it. This was very embarrassing and had everyone in the bank staring at me. Then one of the bank telllers that was not even handling my transaction, and left a customer in the drive thru ( and was just being nosey ), told me that I need to have recurring overpayment checks from XXXX XXXX put in my legal name. I told her this was not a recurring payment that i was receiving from them. She asked me ( while I was standing in the lobby, and she was sitting at the drive thru window ) if the name " XXXX '' on the check was registered with the Secretary of State. She said it in a very condescending tone. She also stated the amount of my check in front of everyone in the bank and said it was too big to deposit which again made everyone in the bank stare at me and made me uncomfortable with everyone knowing how much I was attempting to deposit. This was a breach of my privacy! Where is Wells Fargo 's confidentiality assurance? This is the worst experience I have ever had with everyone in the bank now knowing how much my check was written for and knowing what institution it was written from. All of the tellers ( except for the man ) were rude to me and did not even greet me when I came in the door. My privacy was compromised and they did not even call a manager/bank specialist over to try and privately handle this situation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SecurityNational Mortgage Company (CA)

Security National Mortgage ( SNM ) said I was good for a mortgage on property up to {$300000.00}. They wrote a letter to that effect. 

Before making an offer on the property, I called SNM and asked if they would lend on a property in a development that was more than 50 % non-owner occupied. I was told she would get back to me. I received a phone call stating, yes they would. 

On XX/XX/XXXX, I made an offer on the property, based on the information that SNM would loan to me on such a property. It was to be a conventional loan with a 25 % down payment.

I ordered an appraisal, a home inspection, and continued with plans to go out of state to see the property.

On XX/XX/XXXX we found out the property was not a townhouse, but rather a condo. 
I asked for rate quotes and received these on XX/XX/XXXX It took me a night to determine if I wanted to go ahead with the purchase, knowing it is a condo. I decided to do so. 

SNM sent me written loan approval on XX/XX/XXXX. 

The financing approval deadline, in the purchase contract ( of which SNM has a copy ) was XX/XX/XXXX. At no point did I, or my realtor, receive any indication there was a problem with financing prior to this deadline. 

One day after we were supposed to close on the deal, on XX/XX/XXXX, I hear from the loan processor that the underwriter said, This is not an eligible project. 

Having gone forward with this offer, based on information from SNM and their continued movement forward, for example, ordering a condo certification fee, I spent thousands. SNC never had to loan me on the property. When they learned it was a condo, they could have let me know they were not willing to finance it. Instead they kept moving forward, adding more fees passing the financing deadline ( so I lost my deposit ), waiting until the day after the property was supposed to close, to tell me they would not do the loan.
When I requested a refund of expenses I incurred based on information they provided, they said it was the realtor 's fault. Then they said it was the seller 's fault. They suggested I request my deposit back from the title company and even suggested it was my fault.
This shifting responsibility and pointing blame at injured parties would be humorous if it were not for the thousands of dollars SNM cost me due to their poor work and misleading information.
Consumer complaint received 2017-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

Was eligible for a  XXXX  dollar payment on my harp loan ( DI-TECH ). Processed the Harp form near the end of 5 year term for bonus and DI-TECH incates they are waiting for the federal government. My 5 year term ended in  XXXX  and I have no answers.but th e one d escribed.     Loan #  XXXX  Harp Mortgage.
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

On Saturday XXXX, I checked my account with OneMain Financial. I have been making on-time monthly payments since XXXX ( XXXX payments made so far ) and I wanted to see my progress on the loan. I discovered that I now owe more than what the company gave me ( {$6000.00} ), even after paying back almost {$1700.00} on the loan. 

Today ( XXXX ) I discovered that OneMain Financial was ordered on XX/XX/year>, to pay {$20.00} million for violations of Federal financial practices by CFPB. I signed my loan paperwork before this judgment was passed. 

When I called the company today, an unknown female was very unhelpful and rude. I explained to her that I've made several payments, yet my loan is now more. Her response was, " you have to factor in the interest ''. Her only solution was for me to, " make extra payments '', to reduce said loan amount. This was never explained to me at the time of signing for the loan. I feel that OneMain is still being deceptive in its handling of loans. 

If I had been aware of ( 1 ) OneMain Financial 's BBB rating ( now a C ) and ( 2 ) their recent judgment in XX/XX/year>, I never would have pursued a loan with this company.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (AK)

My Netspend prepaid mastercard account was locked, Netspend asked I provide them photos with my identification cards, then NetSpend refused my federally recognized tribal photo identification card and my Bureau of Indian Affairs photo identification card with social security number ( which Social Security Administration ACCEPTS as government issued social security number identification card ) NetSpend has committed racial discrimination against me ( an Alaska XXXX woman  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by refusing my federally recognized government issued identification cards ; locking me from my account/funds without giving me a reason why and refusing access to my own funds- funds that were provided to me with assistance from my XXXX council/government XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; I utilized my account with NetSpend to purchase equipment/materials for my sole proprietorship
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (IA)

I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by XXXX XXXX XXXX. I was provided with the number of ( XXXX ) XXXX. I called XXXX customer support and spoke with XXXX who stated that the bill was sold to XXXX and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.
Consumer complaint received 2017-04-13
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I was notified by a creditor that my personal information was being used to change/ charge on my credit accounts. Upon reporting and freezing account with credit bureaus, I found that I had been solicited by a " credit repair '' law firm in the form of them running my credit report. 

In addition to this law firm running my credit report, at the same time my identity theft was being committed, I have been receiving credit and loan offers in the mail. I believe that in my research for a personal loan/debt consolidation when I visited XXXX, my personal information was SENT directly to an unsecured site, where misc companies could view and solicit. At the same time, My personal information was stolen. IDENTITY THEFT. 

I decided NOT to pursue a loan, and I did NOT need credit services or credit repair and I thought I had deleted information on the XXXX site that I landed on. I certainly DID NOT agree to a credit check or any further solicitation from any lenders or credit services. 

THE ISSUE IS : Whatever unsecured site ( s ) these lenders, credit repair companies, etc got my personal information from, is also where the information was unsecured for IDENTITY THEFT to occur. I would like to investigate where they got my personal information from and this may lead to the person/persons who used my information in IDENTITY THEFT. 

The Company that ran a credit check ( 3 times ) without authorization : Lexington Law PGX/LEXINGTON/LAW XXXX XXXX, UT XXXX XXXX Loan Solicitation By mail : RPM Lenders
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CA)

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

I was in a locked down XXXX XXXX  from XX/XX/XXXX to XX/XX/2022. I have proof of this and IT WAS SENT to Direct Express. Between those dates my card was completely drained of all money. I have proven beyond any doubt that I could not have made any purchases nor did I give anyone permission to do so. They still haven't refunded my money. I have been left XXXX due to this issue. I am considering seeking an attorney.
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I have attempted to reach Midland Credit Management on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Midland Credit Management nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Midland Credit Management provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.
Consumer complaint received 2017-06-23
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

My issue is related to the cre ditor Bayview Financial.    I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial.   I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and  Bayview Financial ha s n't provided me with anything. Please help!