davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MIDCOUNTRY FINANCIAL CORP (TN)

On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX  called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in this!
Consumer complaint received 2022-09-11
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (GA)

Receivable Recovery Services , LLC. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Recovery Services , LLC. The only correspondence that I received was a billing statement, in which the amount is different than what is located on my XXXX, XXXX, & XXXX credit report. This item does not qualify as verification per FCRA. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Recovery Services , LLC. is practicing UNJUST ENRICHMENT.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, TransUnion, and XXXX. Those complaints are complete nonsense.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Im writing this letter in hope you could intervene and get Bank of America to properly review our loan for assistance options. The issue started at the beginning of XX/XX/XXXX, when our grandson was diagnosed with XXXX. My wife left her steady job and started her own business so she would have time to care for him. It hurt our finances but we made it work. 

Then in XX/XX/XXXX, my pay was reduced at work. Up until that point, I had a dependable salary, and we paid our mortgage on time. With this next blow, we did what we could to keep ourselves afloat. 

When I first contacted Bank of America, things seemed like they would be ok. But a repayment plan outside of our means to pay was not the life line we needed. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

We are starting to get back on our feet again. Im back to a normal schedule at work. My wife returned to her job. The last step is to get our mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Bank of America refuses to help.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXX CXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

There is a charge on my mortgage statement for {$83000.00}. This charge is identified as " deferred interest ''. I have disputed this charge, and solicited legal advice, at considerable expense, to advise me on the legitimacy of this charge for deferred interest. My lawyer informs me that he sees no basis for the charge. He has written two letters with extensive legal citations to persuade SPS Servicing that this is not a valid charge. Responses from SPS have been insufficient and pro-forma. I will attach extensive record of written communication to document this.
Consumer complaint received 2018-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested validation of XXXX mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

I am filing this complaint because JPMCB CARD SERVICES ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXXand XX/XX/XXXX ; assessed cash advance fee for non-ash advance ; issuer unwilling or unable to correct ; must pay before otherwise de to avoid incurring additional costs of time and money ; loss of grace period ; issuers manager blames subordinate associates ; repeatedly disconnected after spending more than 2hrs on the phone with multiple transfers among associates ; Bank of America
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DC)

I disputed this same account with a company called Midwest Recovery Systems, and it looks like the same company has just changed names and put it back on my credit reports. They changed the name to XXXX and reporting the exact same account and amount, after removing it under the name Midwest Recovery Systems.
Consumer complaint received 2020-04-29
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. (MI)

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Consumer complaint received 2020-04-29
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: TrueAccord Corp. (CA)

XXXX knows that my dispute with XXXX XXXX for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX pushes the date back so that I would contact their debt collector, True Accord, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXXyear! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!
Consumer complaint received 2019-05-22
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. (TN)

I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Messerli & Kramer P.A. (WI)

XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (NC)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX is constantly contacting me at ( XXXX ) -XXXX-XXXX. They will not give me the name they are calling for. Then they said they needed me to verify the last four of the social so I gave them the last four of both my wife and myself. They said " No neither one of those is correct '' They will not give me the name of the original creditor. The last time they called, a few days ago, they said they would take my phone number out of the system. I said, " thats what you told me last time ''. Their response was " Oh no, we will remove your number. On XX/XX/18 at XXXX they left another message on my answering machine. If you call them back the automated system says that the extension number you put in is not valid. I give up, please help. Thanks
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/XXXX XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

On or around XX/XX/2022, I received a Experian credit report and noticed XXXX is not reporting an accurate open line of credit. Instead on showing the credit and payment history XXXX and or Experian has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report XXXX is not reporting this information. I believe this technique of ExperianXXXX conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by Experian/XXXX refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.
Consumer complaint received 2020-04-29
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: Santander Consumer USA Holdings Inc. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (CA)

I tried to cancel my Albert account and was tricked into signing up for an {$88.00} " XXXX  '' subscription. I reached out to the company as instructed through its help function and have received no assistance despite calling, texting and emailing them. I do not want to pay for a subscription, want the {$20.00} I had transferred into the account returned to me and want the account closed immediately. This company is completely deceptive and perpetrating fraud on consumers.
Consumer complaint received 2020-04-29
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX  {$0.00}
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$180.00}
Consumer complaint received 2020-04-29
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WI)

Shellpoint, the servicer is rarely available to assist with my account. I emailed and called and left messages with little to no response from the " point of contact '' representative. I have waited on hold for over 3 hours plus to attempt to make payments. I spoke with a manager over 2 months ago to report the issues and was told he'd call me back but he never did. My account was transferred from XXXX  at the end of XXXX  in an approved status for a  modification and I just got the paperwork. They sent me documentation that was incorrect. This has been the most stressful and frustrating process I've ever experienced. The unreturned communications occurred countless times. I've complained to several representatives and management of the company.