davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OH)

I received a collection notice from a company called MRS Associates on behalf of XXXX XXXX for {$27.00}. I attempted to contact XXXX multiple times. Since my account was closed, their phone system and chat blocked me from speaking with a customer service representative. I do not owe any money to XXXX and have paid all bills.
Consumer complaint received 2019-02-27
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: EQUIFAX, INC. (AZ)

To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

Modification denial back in  XXXX     2017  by  Seterus w e appealed the denial on  XXXX / XXXX / 17  then the lender switched servicers to   XXXX   mid appeal period.      XXXX   would have to honor that appeal period but new servicer claims they does not have a welcome email or new Loan number for borrower. All Seterus can say is that they transferred them to   XXXX   XXXX  .      Per Foreclosure attorney for Seterus, they are still moving fwd with the foreclosure and are also representing new servicer in this foreclosure. Did make them aware of the situation in wrongful foreclosure.     Both lenders are unable to give any information.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

This is a Fraud account opened when my information was stolen. i called and put in a fraud report. Now the credit union has this on my credit report as a high risk account. I want this off my account, i Did not open this account. I already belong to a credit union and i don't need 3. Navy Federal Credit union needs to take this off my entire world is in shambles because my information has been stolen.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Me and my fianc flew XXXX XXXX to XXXX, XXXX through XXXX, XXXX on XXXX. I purchased tickets using my J.P. Morgan Chase Sapphire Reserve Card for {$1100.00}. After a late takeoff and late arrival, we were unable to make our connection in less than 30 minutes. XXXX XXXX refused to honor our reservation, forcing us to pay {$830.00}
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Debt was taken out in XXXX XXXX paid on the debit from XXXX till XXXX without ever missing a payemt, now that I have stopped paying on the debt the loan was sold off, I do n't think I owe the debt any longer due to I 've paid the XXXX back with intrest and then some. 

In XXXX a class action lawsuite was broght against the companty the loan was taken out with due to unlaw pratice and how they posted your maoney against the loan. 

Now I 'm being sued by some other comapny I have never heard of.
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. (IL)

When i went to apply for a car XX/XX/2021 the company told me that they were only gone run my credit for one place and they ran it for numerous of loan places which caused my credit to go down badly.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (IA)

About a month ago, I received a call about a debt. They have sent me an itemized list of the debt, but with it, I couldn't get any information from the original creditor. I sent them a dispute, since I wasn't able to get any information on the debt. Today, XX/XX/19, they called me, and I asked her for more information. She claimed that I never gave them my address, which I did -- and said that it was my fault that I didn't get any mail from them. I asked her to send further verification that it is my account, and she said they've sent all they needed to. When I kept asking for a written document showing me more details, she said that she will put me down as " refused to make payment '' and hung up on me. I kept calling, and she would hang up. I feel like if I can't find anything about my bill with the information they gave me about my original creditor, then they should provide more, but they're refusing to. They were willing to provide some info through the phone, but I wanted it in writing. She go pretty loud when I asked for that. What do I do? : (
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (PA)

RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed Credit 1 XXXX XXXX  XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC (IN)

I was sold a solar system for my home under fraudulent sales tactics and false production. I notified the lender since the company had gone bankrupt and told them I was using my rights under the FTC Holder rule to withhold payment and requested them refund me my payment i have made. they refunded me 1 payment. I hired an attorney to handle this case and also included my state attorney general. My attorney sent the lender a letter back in XXXX of this year and we never heard a response back from the lender. The lender has put me as being late on all my payments and has dropped my credit score from the 700s to the 500s for using my rights by the Federal Trade Commission to withhold payment. they still continue to report to the credit dept that i am late on my payments. i have sent letters to all the credit company 's and included the letter from my attorney. they responded by all information is correct. To this date we have yet to hear from the Lender, and feel they are continuing to operate under fraudulent tactics.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (MO)

As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (NV)

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX  I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$77.00} Balance updated XXXX XXXX, XXXX So these three accounts should not be on my inquiries because either old accounts and also I dont recognize XXXX XXXX XXXX services I dont recognize and also PayPal. These are unknown accounts. 

I need this off of my credit report because theyre not my accounts and unknown please.
Consumer complaint received 2022-02-15
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. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NVR INC. (MD)

I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.
Consumer complaint received 2016-02-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Service, Inc. (TX)

I have never received any paperwork on this debt by mail. 

The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. 

In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I lived at a Apartment in XXXX until XXXX when I moved out I had a {$0.00} balance. I am in the process of trying to buy a house and this apartment is on my credit 3 different times.I called National credit system to resolve the matter and they do n't want to meet me half way.I first offered XXXX dollars and they said complex would n't accepted it so I came up with XXXX and still would n't accept that either so I need help. please ....
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Was offered a settlement amount of $ XXXX monthly payments. After I gave the man all the information for my bank account he then told me he could only do 12 monthly payments of {$400.00} instead of what I was originally told my payments would be.
Consumer complaint received 2024-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Broward Adjustment Services (TX)

I received a notice regarding an alleged debt. Reference number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, informed me that I owe {$60.00} and it needs to be paid by XX/XX/XXXX. However, the letter lacks crucial details and transparency. 

Firstly, the communication fails to specify the date of service and the original debt collector 's name. It merely mentions XXXX XXXX XXXX After thorough examination of my insurance Explanation of Benefits ( EOB ), I confirmed that I had only XXXX XXXX XXXX  which was XX/XX/XXXX. Both my insurance and I settled the payment for that service in full at the time of the visit. 

Moreover, I have not received any prior calls or invoices itemizing the purported {$60.00} debt. The lack of detailed information and transparency in your communication leads me to question the legitimacy of this collection attempt. 

Please provide a detailed breakdown of the debt, including the date of service, the original creditor 's name, and any relevant documentation to support your claim. Failure to do so will only reinforce my belief that this collection attempt is fraudulent and unjust. I do not have collections and I always pay my bills on time.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

Notwithstanding a number of disputes to the XXXX XXXX and XXXX consumer reporting agencies concerning an improperly reported Monterey Collections Services collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to Monterey. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my XXXX report, but the accounts have been labeled collections/charge off. XXXX and XXXX have yet to make any changed. I called the XXXX XXXX XXXX and they informed me that they told the bureaus to remove the accounts. So I called XXXX regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what XXXX is saying. Both the credit bureau and XXXX  are telling me to speak with the other.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Secure One Capital Corporation (CA)

I did a refi on my home and the company was Secure One Capital. I never received a statement from them to make my first payment, so I sent it to the address in my loan paperwork in XXXX 2015. The check cleared on XXXX XXXX, 2015. Around the end of XXXX, I receive a statement form another lender called XXXX XXXX. On the statement it showed I was late on my XXXX payment. 
So I had my wife contact Secure One Capital. Took numerous calls and emails trying to get Secure One Capital to forward the payment to XXXX XXXX. Still to this date, the payment had not been forwarded.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX lied and stated that they dont have any transcripts pertaining to their representative stating that the issue I had would not be reported to any credit bureau XXXX Upon investigating on my end I found the transcript to dispute what they are stating so now they are being dishonest so I would like to know why they werent transparent and who works in the legal department.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank (CA)

I discovered that I had fraudulent charges on my First Digital MasterCard on Tuesday, XX/XX/2022. I also noticed the same day that my credit score had dropped due to overuse of my card. I then contacted the company via the number on the back of the card. They said that the card had been cancelled and they had mailed a packet to me to argue the charges but also said that I am responsible for all charges until the dispute had been settled. I was told by the number provided by the FTC that I am only responsible for non-disputed charges which was not mentioned by the XXXX XXXX representative. XXXX XXXX said that they have issued a new card but I have not received anything from them.
Consumer complaint received 2017-05-24
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. (GA)

I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

In 2010 I filed chapter XXXX debt relief and reaffirmed my first and second mortgage with J P Morgan Chase and have been making my payments as required ever since. My first mortgage payment history has been reported to the credit bureau as required but my second mortgage account ending in XXXX has not. I recently applied to re-finance with XXXX Mortgage, loan office XXXX XXXX in XXXX XXXX XXXX and combine my first and second to save money, almost XXXX per month, but because J P Morgan Chase has not and will not report payment history to credit bureau I can not meet underwriting guide lines to do the refinance. I feel this is being done to prevent me from being able to refinance and keep them from loosing my loan. I need help, this is costing me XXXX every month that I ca n't get my refinancing done. XXXX XXXX XXXX XXXX