davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AR)

I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. 

Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX  service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 
2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 
3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. 

They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. 

This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. 

I have also contacted the FCC regarding this matter.
Consumer complaint received 2019-08-22
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. (OH)

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both Experian and XXXX regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/19, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Someone opened up a credit card using my name and social security number with FNB OMAHA as the lender. I called FNB OMAHA and got the card canceled.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diverse Funding Associates LLC (TX)

On XX/XX/2021 I received via US mail a communication that was post marked XX/XX/2021 from DNF Associates. Upon opening this envelope, the contents were found to be several credit card statements from a " XXXX Mastercard '' company. There was no letter addressed to me nor an explanation of why I was receiving this communication from DNF Associates. Upon further review, I have come to the conclusion that I am unfamiliar with the information which was sent nor have I been associated with " XXXX  Mastercard '' if this account was opened, it was opened fraudulently without my consent. If this communication is an attempt to collect a debt, DNF Associates failed to advise me of this.
Consumer complaint received 2024-02-28
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)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX, Specialized Loan Servicing ( SLS ) sent an Escrow Account Disclosure Statement, notifying me that my escrow account would have a shortage of {$21.00}. The statement specifically stated the following : Since there is a shortage in your account, a payment coupon is attached to the bottom of this statement if you choose to pay the shortage in full in a lump sum. If you do not wish to utilize this coupon, we will adjust your payment to make up the difference. 

I elected not to pay the shortage in a lump sum and began paying the new monthly payment of {$2300.00} that went into effect on XX/XX/XXXX. 

Rather than properly applying my {$2300.00} XX/XX/XXXX payment to principal and interest, SLS blatantly ignored their own letter and applied my payment to a suspense account so they could continue to charge me interest on the higher principal balance. I also received a notice from XXXX XXXX   that my credit score had recently suffered a significant decline. When I researched the cause of this decline, it resulted from SLS falsely reporting my mortgage payment being 30 late. Their false reporting to XXXX caused a 57 point decrease to my credit score! 

Ive provided copies of all relevant documentation for your review. This isnt the first time Ive had problems with SLSs incompetence and outright fraud. One year ago, SLS threatened foreclosure action against me, ignoring that fact that my loan was in an approved forbearance agreement that had been granted by XXXX XXXX since my principal residence was located in a Federally declared disaster area and their threat of foreclosure was illegal! 

The actions of this company are downright criminal! They should be banned from the mortgage serving business! Their actions and behavior are as criminal as XXXX when they were servicing student loans! I encourage you to XXXX this companys name and see the THOUSANDS of complaints and lawsuits filed against them! They should be put out of business for good!!
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX Account # XXXX XXXX *XX/XX/2019 *
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Klarna AB (CA)

I called and chatted with the company 's customer service representatives and they told me that they abide by whatever the merchant says. I purchased from a merchant 's name is XXXX. I purchased two shirts on XX/XX/XXXX they were too small I returned them they've been in their hands since XX/XX/XXXX. The company that I used for the financial transaction tells me they will not refund my money until the seller gives their okay which is 28 days from now!
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (GA)

I Want to Report some fraudulent inquiries that was Authorize on my Consumer report without my permission someone has stolen my identity information heres a list of inquiries that was not authorized by me Experian- 1.Experian XXXX XXXX- Date-XX/XX/2022 2XXXX  XXXX XXXX -Date XX/XX/2022 3.Experian XXXX XXXX-Date- XX/XX/2022 4.XXXX  XXXX -Date- XX/XX/2022 5. XXXX XXXX XXXX - Date - XX/XX/2022 6XXXX XXXX XXXX XXXX  7.XXXX XXXX Date- XX/XX/2022 XXXX  - Date-XX/XX/2022
Consumer complaint received 2022-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Possible fraud : I received a message from XXXX ( XXXX ) XXXX stating that there was a hold on my citi bank account ( I dont have a citi bank account ) and to follow a link to lift it. This is the entire message I received : ( CITI-BANK-FRAUD-DEPT ) MobiIe banking has been bIocked due to irregular activity. To Iift the hoId go to XXXX? token
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company ( XXXX XXXX and the Courthouse ) that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally. 
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft. 
I'm feeling very frustrated and very XXXX  out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft. 
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I have been a Discover Card holder since XX/XX/2007. In that last 12 years I have always made my payments on time and yet Discover has never offered me a lower interest rate. I spoke with them many times and they still say they can't lower my rate. They are charging me an outrageous rate of 24.24 %!! WHY! The Federal Prime Rate is 5.25 % which is even higher than the Federal Funds Rate of 2.25 % Why am I paying 24.24 % interest and going on to 29.9 % interest if I've never had a late payment!!! This is nothing but Predatory Lending to the extreme. I've also noticed that women have higher interest rates than men. Someone should look into that as well. I demand an explanation.
Consumer complaint received 2023-01-19
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This past XXXX, Bank of America ( BOA ) erroneously closed my account ( ending XXXX ) due to " Suspected Fraudulent Activity ''. This was an error on BOA 's part, and in XXXX BOA returned my full account balance of {$22000.00} from this account as a result of my complaint ( # XXXX ) filed with CFPB, along with my letters to BOA XXXX XXXX ( CEO XXXX XXXX XXXX XXXX XXXX and XXXX XXXX - see attached emails sent XX/XX/21 ). 

This full return of my funds proves that there was NO FRAUD ACTIVITY on my account ( ending XXXX ). In fact, any 3rd party transfers into this account were made solely and knowingly by my husband, XXXX XXXX, with his full permission and consent. 

This does not completely solve my problem, however. Despite returning my funds, BOA has still not made any effort to clear my name with the XXXX ( XXXX ) reporting system and XXXX XXXX XXXX ( XXXX  ), which currently prevents me from doing any business with other financial institutions. BOA must immediately remove this " Suspected Fraud '' from their reporting system, as it has conclusively been proven to be NOT TRUE ( as evidenced by the full return of funds ). I have repeatedly requested that BOA correct this erroneous reporting, but they still have not done so. 

Furthermore, when XXXX verified my request to correct this error, BOA made another erroneous statement that I never contacted BOA executive offices, which is also wholly untrue as stated above. This BOA error has caused another denial of my request to correct my good standing within the XXXX  ( attached letter of denial received XX/XX/21 ). This reporting error has still NOT been resolved, and I have left 5 voice mails with Mr. XXXX XXXX at BOAs Regulatory Complaints, but he has not returned any of my calls. 

I am hereby filing this complaint to correct BOA 's erroneous reporting on XXXX for my account. This continuing problem needs to be immediately resolved and all suspected fraud reporting removed from my record. 

I work in the financial service industry, and its vital to keep my financial record impeccable, especially with other financial institutions. BOAs erroneous reporting, and continued delay in correcting its error, is causing irreparable harm to my career and ability to make a living. 

XXXX XXXX ( 2 ) letters attached
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Inter-Cambio Express, Inc. (CO)

Complaint for non-delivery of Pre-Receipt or Receipt of Shipment made to XXXX on XX/XX/XXXX. 

Hereby I XXXX XXXX XXXX, with Consular Registration # XXXX, and address at XXXX XXXX XXXX XXXX-COXXXX, I come to present my claim, against the Money Transfer Agency located inside the Store XXXX XXXX XXXXt, site at XXXX XXXX XXXX XXXX Colorado ; for the following reason : CLAIM : No delivery of Pre-receipt or final receipt, for the Transaction made on XX/XX/2018. 
REMESA DETAILS : -Remittent : XXXX XXXX XXXX , - Amount Remitted : {$30.00}, plus {$10.00}, by transaction charge. 
- Beneficiary : XXXX XXXX XXXX. 
- Paying Entity : XXXX. 
- Pin Number : XXXX. 

FUNDAMENTALS OF THE CLAIM. 

1. Motivate my claim the fact that the person, of masculine sex, who received the money and made the remesa, told me, that they had problems with the printer, and that he would return the next day from XXXX XXXX  so that I will deliver my receipt. 
2. It is the case that the day Sunday XX/XX/XXXX to return by my receipt the same person, who attended me the previous day I indicated that I had it and that I returned to return on Monday XX/XX/XXXX. 
3. What worries me is that for the remittance, said person only asked me to take a picture of the receipt of the remittance from his cell phone ; where only the pin number appears, name of my beneficiary, amount to receive and paying entity. But my name does not appear nor that of the company through, from which the remittance was made ; what that person told me was Intercambio Express. 
4. In the photo that was given to me, there is no phone number where I could call in case there is any problem with the collection of the remittance in XXXX. 
It is these facts, totally irregular, that motivate my claim. 
regards XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (FL)

It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved
Consumer complaint received 2020-07-24
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: CREDIT ACCEPTANCE CORPORATION (AZ)

Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my XXXX  and transunion REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter
Consumer complaint received 2018-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have a ongoing dispute that was file inXX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.