davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (ID)

UWM failed to make our XXXX property taxes which has resulted in late fees and accrued interest. We have attempted to resolve this over the phone and have faxed them proof taxes were never paid. Our county said they most likely paid a different parcel and not ours! UWM sent us our payment history showing they paid our property taxes, and they have refused to call our county to confirm that taxes have been paid. One of UWM call center workers mentioned property taxes checks were sent back and were not actually paid. Even then, no follow up work was done. Our new lender, XXXX has recently paid the 2022 property taxes, late fees and accrued interest on XXXX XXXX and is now charging us for them which has resulted in our mortgage payment skyrocketing. We have already paid these taxes through UWM and would like them refunded back to us along with late fees and accrued interest.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (NJ)

I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me. 

I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified. 

The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX 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 an account without my written instructions.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I made a fraud/identity theft report with the FTC XX/XX/2019 and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX 
2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I received a letter datedXX/XX/XXXX from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX in behalf of Crown Asset ManagemenXXXX requesting payment on an alleged debt. On XX/XX/XXXX, I sent them a letter requesting that they validate the alleged debt. However, I never received any response from them. 
I then started to receive advertisement mail from different law offices informing that Crown Asset Management has filed a lawsuit against me onXX/XX/XXXX. I then checked the court system, and saw that they had a court hearing set for XX/XX/XXXX. OnXX/XX/XXXX an attempt to serve the summons to a random address was made when the summons had my correct address. 
On XX/XX/XXXX, I still went to court to avoid any confusions or a default judgement ; however, no one was there, and the Judge advised me to leave after seeing the attempt they made to serve me.
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have at great length described the trouble I have experienced since 2008 with my modification applications for my home, a negative arm XXXX loan which has ballooned out of proportion during my applications. 
I did file a complaint against XXXX. But in the mean time, my loan was sold to SPS, a new company which continues to press me with modification applications even though no such application can be successful unless XXXX -- and the investor XXXX -- consider the numerous mistakes that were made during the modification process and then look for a solution. While reviews are under way, SPS continue to press me for documents, for filled out application forms, and threatening foreclosure on my home.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. 
XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. 
So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. 
The reason is that merchant is failed to performance service described according to master card charge back code XXXX. 
I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. 
I would like to reopen the dispute and get the money back from the XXXX XXXX.
Consumer complaint received 2017-10-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jonathan C. Frank & Associates, LLC (WA)

I am not positive on when my account was given to this company because I never received a verification of debt. They set me up on a payment plan in the amount of {$59.00} each month. I received a call from XXXX ( XXXX XXXX XXXX On XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I have on file from XXXX XXXX Stating that my payment scheduled with them did not go through and it was a courtesy call. It stated in the message that if I did not get back to them by XXXX that my payment agreement with them would be forfeited and would then go back to the attorneys desk to go to the courts. I have also received many text message from the office stating A pending claim has been forwarded to our Law office in regards to your delinquent account. Please contact our office immediately to speak with a non-attorney representative at XXXX your account number is XXXX. Thank you I started to find this odd and even though I had been paying on the account I then asked if they could send a verification of debt which they insisted they would do it by email. After a few calls to them which unfortunately I do not have the dates for this they stated that they had emailed it and they verified my email was right but I still never got anything. When I asked from them to mail me it they said I need to contact the original creditor and they are not sure why I am asking now since I have been paying on the account so they would not mail it to me. Since they wont send this to me I have not felt comfortable making payments but they keep threatening court action on me stating I am glad you called because we are about ready to send you to our attorney. I also let them know I can not afford {$59.00} a month but then they will deny my payment because they only accept a minimum of {$59.00} a month.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NJ)

TDBank is always messing with my mortgage payments. When l am behind on payments and l make the payments. They will always apply the payments towards principal and legal fees and not my mortgage payments stating that i made extra payments ( l am obviously making my payments ). I spoke to them and confirmed that l did not go to court and made the payments before all court appearance why are they charging me fees. A representative that l spoke to that confirmed that the calls were being recorded confirmed that they can not do that and use my payments towards legal fees that do not exist. I spoke to someone today XXXX/XXXX/2015 and she confirmed she submitted the request and they still have not removed the payments from legal fees and principal towards my mortgage payment for the month of XXXX and it is the end of the month. She stated it is being recorded and told me l do not have to repeat myself and l told her this is the second time they are messing up my mortgage account which led to them saying l am now paying for legal fees that l have no idea of and never went to court
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

This account was opened fraudulently. I have submitted all documentation notarized, Including identity theft report, police reports, and dispute packet from this agency. I don't understand how can you prove an account belongs to me that I never opened. As a result this is my attempt to have this debt remove before I pursue legal action. This is clear violation of the law. I have all documentation and correspondences between me and this creditor. I also have documentation for third parties where I have receive several letters that my information was included in several data breaches.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/XXXX. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX.. 
2. XXXX/XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (CA)

I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to state that XXXX is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) XXXX did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) XXXX never had a permissible purpose. I never instructed XXXX to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company
Consumer complaint received 2022-09-08
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. (WI)

I was informed today from my Business Loan Officer, TransUnion is reporting an alleged Child Support claim as a BANKRUPTCY on my consumer report, this failure committed by TransUnion, to do a complete and thorough investigation into the report from the furnisher, which was not the courts, possibly a 3rd party, before reporting it on my consumer file, has resulted in denials for essential funding for my business, ie. Grants, Loans, and even business funding. TransUnion has caused me and my family, severe financial loss and emotional damage as a result. This company is in, and has been in direct violation of The Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

This company has been in violation of the Fair Credit Reporting Act in this case since at least XX/XX/2018. 

This account shall be DELETED and removed from my file for providing, inaccurate and false information. I never filed Bankruptcy. This statement has resulted in severe financial losses. No to mention the damage it caused my family in emotional hardship. 
I will be seeking legal relief in this matter as well as financial compensation, if this matter is not resolved to my satisfaction promptly.
Consumer complaint received 2017-10-24
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: LEXISNEXIS (AZ)

XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (IL)

I have communicated XXXX with a XXXX XXXX XXXX at XXXX XXXX XXXX on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company (PA)

I have six accounts in collection from XXXX XXXX XXXX XXXX XXXX Dates of service and amounts reported to my credit was incorrect. I called XXXX XXXX and was advised the debt can not be removed. The claims were only submitted to my primary insurance with XXXX XXXX and not my secondary insurance with XXXX. For XXXX/XXXX/XXXX {$550.00} for XXXX/XXXX/XXXX {$26.00} and {$230.00} for XXXX/XXXX/XXXX {$1200.00} my insurance at XXXX XXXX paid leaving a balance of {$540.00} to be billed to XXXX. For XXXX/XXXX/XXXX {$680.00} and for XXXX/XXXX/XXXX {$660.00} XXXX XXXX paid XXXX leaving a balance of {$420.00} to be billed to XXXX. XXXX XXXX reported the wrong amounts to all three credit agencies and never requested any referrals needed for procedures and would not do anything after I spoke with XXXX in billing three times.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I have been disputing this debt for the past six months with no resolution. On XX/XX/XXXX I first requested validation of the debt. They responded XX/XX/XXXX with an itemized bill which does not validate a debt under the FDCP. I pulled a subsequent credit report on XX/XX/XXXX it was not marked as disputed, they were once again in violation. On XX/XX/XXXX I then requested the entry be removed from my credit report because they did not mark the entry as disputed within the allotted time. They responded by saying " we have previously provided you with verification of the debt ... there is no duty to provide it multiple times and will not respond to any further requests ''. I tried to restart the dispute process and sent a " request for validation '' letter on XX/XX/XXXX. They responded yet again with an itemized bill. RMP has failed on multiple occasions to " validate '' this debt. If they can not validate this debt it needs to be removed from my credit file because I am trying to obtain a mortgage and this non-validated account is harming my score.
Consumer complaint received 2022-09-08
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: Credit Karma (NC)

Credit karma sent me pre approval offers from lenders. When I followed their credit repair directions and applied I was denied or approved but required to pay high interest rates and administrative fees. They also opened a checking and savings account promising to reflect my good status as a credit score incredibly. They closed my account with out due cause, provided me no reason and my bills and deposit amounts were frozen. This also caused me to go into bad debt status.