davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-29
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. (KY)

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two different financial institutions XXXX and Capital One stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-10
Product: Mortgage — Reverse mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I believe I was misled by the original company that I signed up for the reverse mortgage that went bankrupt and was taken over by Carrington Mortgage Service LLC Under the original contract there was to be interest growing for the future as I was led to believe beside the asset value of my house. But I have NOT seen such reporting on any of the reports since Carrington took over and I have asked them to explain. And I have not heard back from in more than 30 days.
Consumer complaint received 2018-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

" As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MI)

Stearns Lending, located at XXXX XXXX XXXX XXXX  XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.
Consumer complaint received 2020-05-31
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: The Best Service Co.,Inc (NV)

I sent a letter to XXXX  on XX/XX/2020 asking for 2 items to be removed off my credit report due to them both being in regard to the same debt. The Best Service Company is the collection agency and XXXX XXXX is the original creditor. They are both reporting to all three bureaus and my understanding is both can not report at the same time, saying I owe them both. They responded on XXXX XXXX saying that they will not remove them because they meet FCRA requirements. I know this too be incorrect and should like them to remove both items as they reporting incorrectly in various ways such as different opening dates and DOLA dates the biggest being double jeopardy. I am requesting both items be removed immediately as I am in the market for a house and this is one of the major credit items that is hindering me.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Southern Credit Adjusters, Inc. (NC)

I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend
Consumer complaint received 2017-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I was scam thought XXXX. ( XXXX ) XXXX. I know I ca n't get my back but person need to be stop. Flip scam. I should know better but I was in XXXX after losing my father. I lose XXXX dollars. Using money Gram and XXXX XXXX. But I want him to be stop. I have account with both. I hope he do n't use my information. I attached some of the dumbest I have done.he said his name XXXX.
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (NC)

I am a perfect example of the horrible loan servicing of Navient. I have hundreds and thousands of dollars of student loam debt and I'm only a XXXX XXXX. Just like many others from the early 2000 's I was offered deferment constantly until I am in a place where the only thing keeping me from getting a home loan is this student loan debt. I didn't realize at the age I was by getting the deferment that they always pushed what kind of debt I was getting into. I was glad to hear that they were going to have to forgive debt for students like myself only to find that this company has pushed my debt to another company Aidvantage to try and hold on to this astronomical debt. They knew what they were doing because anyone looking at my account knows I qualify for debt forgiveness. Navient handled my debt the whole time until it was time for debt forgiveness and then gave it to this new company in an effort to keep the debt. Please help me.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 Capital One Acknowledged receipt of my request to close my general credit card account. Unfortunately, despite repeated requests, they have refused to provide me with billing statements that itemize transactions and payments.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.
Consumer complaint received 2018-01-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (FL)

Contacted the company on several occassions was given a email to do courtesy removal of late payment do to family illness no response. then florida was in a state of emergency with hurricane irma said the loan wouldnt be affected ( XXXX XXXX and XXXX XXXX ) for late fee penalties and negative reporting and it was for XXXX XXXX i was told to dispute it and they would fix it and its not fixed the calls are monitored and recorded for XXXX and XXXX for hurricane irma ... .. recieved a letter and the company denied me a month in a half after initial email called and left a message no call back
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company TIME PAYMENT CORP-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX :XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXXXXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX NA Inquiry : XX/XX/XXXXXX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital. 

A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax. 

On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account. 

On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail. 

On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such. 

On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft. 

On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX. 

On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept. 

Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent. 

On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT. 

Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Consumer complaint received 2018-03-26
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: CITIBANK, N.A. (OH)

I noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (IL)

I had a charge come thru that overdrew my account. I had canceled the membership earlier Im the month so I filed a dispute. The charge came thru XX/XX/19. I received a letter with a form to return that was dated XX/XX/19. I faxed it back XX/XX/19 selecting option saying it was previously authorized but since canceled. I received a letter on XX/XX/19 which was dated XX/XX/19 from a collection agency saying my account was closed and sent for collections. The same day I received a letter dated XX/XX/19 from the bank saying my claim was closed because I had authorized the charge before. After talking to Associated bank at length the reason I was given for my account being closed was since the charge over drew my account despite me disputing the charge because the bank had added so many overstay fees including daily fees they closed it over. Eveythough again the only item that had my account negative was in dispute. I called XXXX XXXX who had charged the fee originally and they apologized for the errand reversed it. Also assured me my membership was cancel. ( I had 2 accidental XXXX exposures and I told the waiter I am XXXX ) as a result I cancel. Associated Bank closed the account before 30dsys of it bring overdrawn because of fees they charged and sent it to collections before a decision was made on my Reg E dispute. Their overdraft fees ( daily and otherwise ) apparently trump due process with Fed Regulation E
Consumer complaint received 2017-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MJ Altman Companies, Inc. (FL)

I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing