davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (WI)

This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became Nationstar Mortgage. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XXXX of XXXX, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted XXXX in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.
Consumer complaint received 2019-08-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-12
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. (NC)

Hi to whom this may concern I just received my credit report and it's showing that I have currently been past due, and that is incorrect I have not been past due on any of my accounts. you can check my credit and I have paid all my accounts on time. I would this derogatory remark to be removed from my credit report immediately Please and thank You ... it also shows Serious Delinquency on my repost that is also incorrect please remove the derogatory remark of my credit report. 


XXXX : XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

They have placed a medical bill of {$78.00} that is not mine. I have confirmed with my insurance claim was not sent correctly and have no record of this or the balance! I have since contacted insurance commissioner.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

BACK IN XXXX OF 2019 I REFINANCED MY HOME LOAN WITH XXXX BANK AND MY PREVIOUS HOME LOAN WITH FREEDOM MORTGAGE XXXX REPORTED A LATE PAYMENT FOR THAT MONTH OF XX/XX/2019 WHICH IS NOT CORRECT AND IT WAS BROUGHT TO MY ATTENTION BY MY XXXX XXXXXXXX THAT THIS IS AFFECTING MY CREDIT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After carefully reviewing my credit report, I noticed a some inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. 
XXXX, XXXX investigated the following inquires below and have decided to delete these inquires from my credit report.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Data Search NY, Inc. (TX)

TRAM America ( XXXX XXXX ) is a law firm that represents XXXX XXXX XXXX to try and collect the debt on their behalf. They sued me without any warning that they were going to do so. They also did not serve me with the papers because I no longer lived in that state. I called them for a week ( XX/XX/2019-XX/XX/2019 ) and they did not pick up or return my messages. Finally, I had to call XXXX  XXXX XXXX for them to connect me to a TRAM America representative. I can not qualify for anything and this debt ( {$2800.00} XXXX is seriously affecting my quality of life. I explained to them that I wanted to settle the debt. But the most important thing was they reported to the Credit Bureau. The lady was rude and unprofessional. She made me feel small and disrespected. They do not report to the Credit Bureau- how does that help me? If I am making may payments, that information should be communicated to the Credit Bureau and my score should improve. TRAM America should be ashamed of themselves. They're a group of lawyers who are out to get the consumers, they care nothing about us and only want to push for their quotas.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( 11 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-04-02
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. (MD)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (KS)

The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Consumer complaint received 2019-08-12
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. (MA)

CLAIM ID : XXXX and XXXX XX/XX/XXXX- Filed a fraud claim with Chase against XXXX charges XX/XX/XXXX- Fraud claim closed and I was made aware these charge came from my account XXXX XXXX Contacted XXXX by phone and learned charges were from " XXXX XXXX  '' XX/XX/XXXX - Emailed XXXX XXXX and got email claiming XXXX can do the refunds XX/XX/XXXX- XXXX attempted refunds . Several were successful but most error-ed out do to system issue XX/XX/XXXX - Opened a Dispute claim with Chase per XXXX recommendation XX/XX/XXXX - Chase Dispute can not dispute as it was not fraud. 
XX/XX/XXXX - File a complain and was assigned XXXX from Executive office XX/XX/XXXX. 3 Way called with XXXX Support : XXXX  and Executive office Chase : XXXX. XXXX asked XXXX to do a charge back. 
XX/XX/XXXX - Sent another email to Chase Dispute ( not Fraud department ) confirming both XXXX and XXXX XXXX  noting a refund can be done. 
XX/XX/XXXX - XXXX denied refund because it was not fraud
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

Citi advertised XXXX $ promotional bonus if i opened the account and deposited XXXX $ and maintained the XXXX $ for 60 days and provided them w9 form. I opened the account in late XXXX and deposited XXXX $ on XX/XX/XXXX and kept the funds for 60 days till XXXX. I also sent them my w9 and in the chat they confirmed receiving the w9 on XX/XX/XXXX. In the chat they also confirmed that i have met the requirement for bonus and i should receive it soon. But i has been 5 weeks since i sent the w9, nearly 2 and half months since i opened the account with them and they have not credited the bonus. every time i chat with them, they only say that they are processing my w9 form. This unneccessary delay in crediting the bonus feels like avoidance of honoring their terms. 
Their customer service is awful. So far i have contacted them via chat 5 times. 
with this complaint i am attaching their promo screen shot, my 2 months checking statements and my two chat transcripts of them confirming receiving my w9 and me meeting the requirements for the bonus. I am disappointed at the delay in their crediting the bonus and having to contact CFPB to get them to do it. I have only contacted CFPB after other customers have complained that they did the same. Citi is apparently famous for not honoring the bonus.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Have attempted to work with lender for last year. Filed paperwork five times for modification. They have lost numerous copies and or pages causing the procedure to begin again. 
Past three months have called them twice daily. 
They say they have an assigned case manager but have never been able to speak to this " person ''. No one that I have talked to there even knows who that is. Just some name they made up to look good. 
Always a different person to speak to and they never give the same answers. 
Worse company I've ever tried to deal with. They want you to give up and fail.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Received a Settlement Offer from : I.C. System, ref # XXXX Dated : XX/XX/2022 Amount Owed : {$920.00} Settlement Offer : {$460.00} Creditor : XXXX XXXX PS : I have never had account with XXXX XXXX, nor had I ever received statements from XXXX XXXX. 
I definitely think it's a SCAMMER tried to SCAM {$460.00} from anyone who could not think clearly!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-02-02
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. (TX)

There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with Experian twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
Experian did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. Sincerely XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Red Cedar Associates LLC (TX)

Company called my fathers work phone number and left a message stating Red Cedar Associates was coming to serve me papers for a lawsuit this Wednesday. I spoke to a representative named XXXX on the phone with my dad on the phone as well. He asked me to verify my private information prior to releasing any information about the judgment against me or without telling me what the call was in reference to ( as I never received a phone call or voicemail prior to this ). He sent me and my father an email with the deposition that I will be served on Wednesday, but there is no reference to any lawsuit or any legal action to be taken. I have had phone calls like this before and I know they are scammers, as well this company has had numerous complaints and lawsuits filed against them in the past 5 years. I want something done about this.
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

The company Coinbase removed the debit card that I had on file from my account for over two years. I'm now unable to make or receive purchases. The card had been authorized and verified. I'm very concerned for my privacy. The same company has also retaliated in the past, after I submitting a consumer complaint. I'm very concerned that at the present, the company Coinbase views itself as being immune from any prosecution for its insider trading schemes.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WY)

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely XXXX XXXX