davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I have been trying to pay off my car for a while. I was late for about a year. So I set up a payment plan. I allowed the creditors to take {$270.00} every two weeks. My starting balance was approximately {$7000.00}. I have been paying these fees since XX/XX/year> consecutively. My balance is still currently {$7000.00}. I called to find out why and to request a payment invoice. I have never received anything. My car was repossessed in XXXX and the people that took my care had it for approximately 15 hours and my debit card was stolen and used and the creditors refused to follow up on it. I am just trying to resolve the debit without extra fees. I was told the daily interest is what I am paying. Meaning I will never pay my car off unless its in lump sum. The balance should be moving but its not.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c. (NY)

On XX/XX/21 XXXX  XXXX  had Malen & Associates place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
Consumer complaint received 2023-04-14
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. (TN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : SPRING OAKS CAPITAL LLC
Consumer complaint received 2021-06-04
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: JPMORGAN CHASE & CO. (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have a mortgage with New Rez, LLC who also collects my escrow reserve funds.

I identified an issue with my escrow account when I received a letter from New Rez in XX/XX/2020 informing me of a shortfall of funds in my escrow account. As a result my monthly payments increased by {$430.00}. I then created a spread sheet with all my payments including principle, interest, escrow , County tax payments and home insurance payments. At this point I discovered duplicate Country tax payments. I first reached out to New Rez ( managed by Shellpoint Mortgage  Servicing ) by phone on XX/XX/XXXX with subsequent calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I met my tax collector. I am current with my taxes and they have no record of duplicate or overpayments. I also wrote a letter sent via e-mail to Shellpoint Mortgage Servicing on XX/XX/XXXX. My overpayment of > {$4000.00} has still not been resolved. I keep getting the run around and told my info has been passed along to the tax department. My  last conversation on XX/XX/XXXX I was told my issue should be resolved between now and XX/XX/XXXX. I am more than frustrated. I want answers and I want my money refunded to me. I also want to manage my own escrow account moving forward. You assistance with this issue is much appreciated.
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: United Collection Service, Inc (FL) (FL)

I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 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. 

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
The account was under XXXX XXXX ( Original Creditor : XXXX XXXX ) last updated in the sum of {$540.00} on XX/XX/2021.
Consumer complaint received 2015-04-13
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Consumer Portfolio Services, Inc. (OH)

My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Consolidated Information Services Solutions, LLC (VA)

On XXXX/XXXX/15, my credit report was pulled by a company called " CIS INC '', this firm pulled my report both from XXXX and XXXX. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (NY)

I received a report on my credit stating that I opened an Apple XXXX credit card and spent {$3300.00} which Ive never seen this card in order to spend it. Also someone has been collecting unemployment in my name which Ive never applied for.
Consumer complaint received 2020-06-01
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: CL Holdings LLC (WA)

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$130.00}, {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC (MD)

BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

I made an application for a mortgage product at Td Bank. According, to the officer I needed an additional person or persons on the mortgage application because I am single. In that case, I talk with my parents. Therefore, I told the officer to add my parents. Later on, when she was ready to call them. I told her to call with a translator because they have limited English. After that, me o my parents have not received any calls from Td bank regarding our application.
Consumer complaint received 2020-09-11
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. (TX)

I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs. 

This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ). 

It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ). 
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.
Consumer complaint received 2016-03-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (NJ)

I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I had inquiries that are on my credit report. All my inquiries were all removed from all XXXX CREDIT BUREAUS. Transunion, XXXX and XXXX ... They removed all inquires up to XX/XX/2017 and placed back on with in a week due to system glitch this against my rights ... They have affected me purchasing a home because the inquiries dropped my credit score
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/21 I called Capital One credit card customer service to request a waiver on the past due fees billed on XX/XX/21. 
I asked them if they could credit one-time the {$29.00} for past due fees billed. I missed the payment on XX/XX/21. 

I spoke to a representative and she told me that the system did not allow her to credit the {$29.00}. I asked for a supervisor and he told me the same thing. The system did not allow him to credit it. 

I have checked my statements for the past 15 months and I have not missed a payment and not billed a past due fee. 

I understand the companies can issue a one-time credit for the late fees. 

What I don't understand is that they couldn't explain why they couldn't credit the late fee. They just kept telling me the system would not allow them. There has to be a better explanation such as I was granted a waiver before. 

I would like for Capital One to credit the late fees and provide a comprehensive explanation as to why they denied me the credit when I called. The system did not allow them is an excuse which a company should not be allowed to give to their customers. 

Thank you.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KeyBridge Medical Revenue Management (OH)

Key bridge collection services sent me letter stating balance I had no ideal I would be responsible for the amount of {$560.00} it was during the covid-19 out break and I had been terminated from my employer on XX/XX/2020 and I came up with no benefits until XX/XX/2020 for XXXX and paid the balance in full please remove this account from credit file it's not fair.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

XXXX XXXX has over {$5600.00} of my hard earned money on escrow account but is not making any payments and i have been receiving letters from the county for missed payments. 

I have called XXXX multiple times and they keep promising to fix the problem and nothing happens. Just called again tonight and they tell me they are raising it up higher, same thing they told me last week. They have copies of of all the tax bills i have received.
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.
Consumer complaint received 2016-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (TX)

I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.