davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}
Consumer complaint received 2021-06-07
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: TD BANK US HOLDING COMPANY (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX, and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between the XXXX XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : TD BANK USA/TARGETCRED, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Consumer complaint received 2020-05-28
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. (MS)

I have sent several letters to XXXX, Transunion and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Central Holdings, LLC (TN)

They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

I am trying to obtain a deletion letter from Allied Collections, because I am trying to buy a home. When I made the payment, the person I spoke to, said they will provide me with a letter stating I no longer owe them the debt. I spoke to my Lender, and she said, she has received a deletion letter from Allied Collections about 3 days ago. I 've called several times Allied Collections in the last three days, and they refuse to provide me with the deletion letter. I do n't understand why they refuse to provide me with that letter if the debt has already been paid.
Consumer complaint received 2022-09-07
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had XXXXhirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX  XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( NORDSTROM ), I HAVE ATTACHED THE LETTER PROVIDED BY NORDSTROM TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

On or about XX/XX/2019 I contacted Synchrony Bank regarding fraudulent charges on my account. 
I was first put through a phone line dedicated to preventing me from contacting their fraud unit. After waiting about ten minutes to talk to a live person. 
The person I spoke with refused to allow me to contact the banks fraud unit and instead told me to contact the merchant who placed the charge. 

I was put on hold for another ten minutes, while they had me contact the merchant directly, which did not turn out well, as they tried to state that I might have subscribed to XXXX XXXX by Mistake, which I did not do and therefore I was liable for the charge. 

It was not until I told the representative that I would be contacting CFPB that they agreed to remove the charge. 

I should not have to go through this long ordeal, for someone else 's actions, and Synchrony Bank should have been the one investigating fraud on my account, which they did not do, is violation of the credit laws.
Consumer complaint received 2022-10-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/XXXX I called Portfolio Recovery and asked to settle the debt for {$250.00} the woman was not willing to allow me to pay by check or send me a pay for deletion letter. She insisted I pay the same day and they would consider this debt settled for {$250.00}. They kept telling me the entire call is recorded so there is a way to get those recordings. They told me I settled it for XXXX but on the credit they only decreased the amount they are still telling me I owe money. They lied to me and did not remove this debt that I settled with them.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MA)

Purchased goods and services from Lowe 's using their store credit card. Product and service was done incorrectly. Filed dispute with credit card company Which was acknowledged by Synchrony Bank on XXXX XXXX 2016. Stated in the communication that when the investigation was completed I would receive a response via mail or email notifying me of the resolution of the dispute. Never received a communication regarding a resolution and was forced to continue to make minimum payments even though the balance was in dispute. Was threatened that my account would go into collections if I did n't make a payment. Dispute is still not resolved. Was also told I would have deferred financing and after purchase was told that it was n't deferred.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XXXX of XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I have never had account with XXXX or Jefferson. The date opened shows XX/XX/year>. Please provide proof that account was opened with JEFFERSON during this timeframe. This information is inaccurate and is a violation of FCRA. I never received any written communication in reference to this debt or the right to dispute which is also an FCRA violation.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

My father passed away in XX/XX/2020. I had been paying the mortgage till XXXX or XXXX when bank accounts were frozen after learning of his passing. Due to covid-19 it took longer then usual to get the surrogate letter done, opening up an estate bank account and so on. During this time ( XXXX 2020 ) we were receiving calls for the mortgage from the mortgage company ( Rushmore Loan Management Services ) and i explained to them every time that he had passed away and we are doing what we can with getting his estate done and once we have everything settled we would be paying the mortgage in full. Of course because i was not my father they did not care one bit what i was saying to them and continued to call harassing me for payment. 
On XX/XX/2020 i faxed ( # supplied by Rushmore ) all needed information ( Surrogate  letter, death certificate ) so that i can be added to the account and discuss the payout with them. XX/XX/2020 I call them again to get an update since i had not heard from them. Person i spoke with ( XXXX ) said there were no notes in the system that i had sent any information and then proceeded to tell me the fax # i sent it to he does not know where that went and supplied me with a new fax #. XX/XX/2020 i call again and speak to another rep ( XXXX  ) and he states again there are no notes that any paperwork has been received. He asked me for the fax # 's i was sending them to and now i am being told the 1st number was correct and that he does not know what the 2nd fax  number given to me went to. 
All i want is a payoff amount so i can pay this mortgage off and close out my dads estate and move on. Having to call this company several times and keep getting the run around is crazy and it is not fair to someone trying to deal with an estate. These people have no compassion or care one bit. 

Rushmore Loan Management Services XXXX www.rushmorelm.com
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (IL)

I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (WV)

I purchased my XXXX XXXX  on XX/XX/2022 and the amount financed is {$38000.00}. However this vehicle was totaled on XX/XX/XXXX with the first payment due on XX/XX/2022. The vehicle also has an extended warranty and a device package rolled into the financing, totaling {$4400.00}. I called the day after the accident and had these cancelled for a full refund. The finance lady at the dealership ( XXXX XXXX ) and the XXXX said it would be taken care of that day ( XX/XX/2022 ) and that the amount of the extra products would just be taken off of the loan balance. Today is XX/XX/2022 and Mercedes Benz financial has no information from the dealership stating those services are to be cancelled. my insurance company can not payout until they see the title processing on the metro dmv website for West Virginia, which its not and the dealership states they filed it in XX/XX/2022. But theres no record of that at all. The vehicle is still titled to XXXX XXXXn Pennsylvania and its been well over 30 days. Furthermore Mercedes Benz financial has been informed by my insurance company that the vehicle was a total loss and I was told by a Mercedes Benz financial rep that once the insurance company called and told them it was a total loss that I would interest and payments would be deferred, however MB financial is now saying thats not the case and they are showing my payoff to the insurance company as l~ {$39000.00} when the amount I financed was significantly less than that. This dealership has created a huge issue for me. I have to return my rental car Friday, XX/XX/2022, and I have another vehicle on hold but because of Mercedes Benz XXXX and their shady methods and lack of urgency, my credit is at risk of being ruined. Nobody can give me a straight answer at Mercedes Benz XXXX, Mercedes Benz Financial, or Mercedes Benz XXXX. The finance manager at that dealership, who I called today, said he didnt even know about the situation and would look into it, after Ive been calling for a week with no return calls. This is unacceptable. When I purchased the vehicle I never even met a finance person or had anybody explain the loan to me, nobody offered gap insurance, no disclosures were given, and I didnt even receive my copies of the paperwork until a week and a half after the salesman sold me the car and realized he didnt give me my documents. Something with this has not been done correctly. Last thing, when I purchased the vehicle they told me that I could take it for two weeks because they didnt have the title, well the title magically arrived in the next two days and they got me the car, however they didnt file the title paperwork for almost two weeks after the purchase? I still dont have the permanent plate or registration. I just dont find it fair for me to be held accountable for a situation that I have absolutely zero control over. The way they did the numbers on the financing seemed WAY off too but a copy of that contract is attached.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (FL)

The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (NJ)

I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Orions Management Group, LLC (VA)

I have been receiving threatning phone calls and messages from Orions Managment Group XXXX concerning a charge off on my credit history which was paid through another company in XXXX. The continue to threaten me and has advised me that legal action will be taken to collect the remaining balance? i have no record of owing any further payments or any letter concerning the new collection agency. I have never beeen contacted from Orions until XXXX and they continue to harrasse me. They have contacted my daughter telling her it was an emergency that they reach me. I have been upset every night with the fear of the threats. The last call came on XXXX XXXX, XXXX from someone named XXXX? The number came from a cell phone XXXX registered XXXX. The company number is XXXX. This account was opened in XXXX with XXXX. I did not learn that it had been charged-off until XXXX XXXX after the other company had taken my money. The companies name is XXXX XXXX XXXX XXXX XXXX. They took over a thousand dollars to settle this account. I did not know that this money was not being paid to XXXX until I inquired the status. That company misrepresented who they were and told be specifically that they were collecting for XXXX. Now, here it is another fraudulent company trying to make me pay again. Orion 's has threatening to send me a warrant for court. Please help to resolve this issue.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Unique Management Services, Inc (CA)

I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I went into my local Chase branch and opened a checking account ( XX/XX/31 ). I tried to fund the account with a {$5000.00} check drawn on XXXX but it turns out that XXXX had changed its clearing house bank and so the check was returned. I then transferred {$1500.00} using XXXX into the account to fund it. I tried to setup a few more accounts to do XXXX transfers in and out of the account ( XXXX, XXXX XXXX XXXX ( wife ), XXXX XXXX  XXXX XXXX ). I made a few errors trying to figure out XXXX using {$1.00} transfers that failed but more or less figured it all out and thought I was good to go. The main reason I want this account is our local bank does not do XXXX. 

A couple weeks later I received my bank card so went to local Chase to deposit a {$5000.00} check to fund the account from a local bank and I could not use the card so I went in tried deposit it in person and was told that my account was being closed but they could not tell me why other than some other department had made a note on my account to be closed and not do business with me every again. I called the number they sent me two more times trying to get an answer but they refused to give me any information other than they are closing my account and will not tell me why. The local branch could not return the {$1400.00}. I also have a credit card with Chase which I have no idea what the state of that is. Chase simply has no one to talk to to resolve this issue. 

Hard to believe that such a simple issue can not be resolved but clear Chase has automate system without any opportunity to talk with some who can resolve things.