davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, 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: General Motors Financial Company, Inc. (MA)

Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that GM Financial had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that GM was at fault for placing a wrong last name on my account. GM had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. GM has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. GM placing an incorrect name on my contract ( please see attached statement with incorrect Name )
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (TX)

I was called by a company called prosper loan by  XXXX   XXXX  and accountant  XXXX    XXXX   phone #  XXXX  or  XXXX  from email  XXXX  XXXX  XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or  XXXX  gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (GA)

On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Hello, In XX/XX/XXXX I opened my Capital One card. I have had no missed payments except for one. In XX/XX/XXXX, I XXXX. Before XXXX I set everything up because I knew it would be tough trying to keep track of bills. I worked 24/7/365 while XXXX. I noticed in XX/XX/XXXX, that I had a missed payment on my Capital One card from XX/XX/XXXX. I was lucky enough to catch my XX/XX/XXXX payment, but missed that one. This was over six years ago and have been trying to get them to take it off since.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

As the file will indicate in the recent past we have had issues regarding the cost to reinstate in order to decide weather to do a short sale, deed in lieu or reinstate.On XX/XX/XXXXI spoke with an SLS rep indicating that we had an offer of {$220000.00}. The SLS rep said that the file was closed and she would send out another short sale package. we never received the package. On XX/XX/XXXX I spoke with XXXX at SLS requesting permission to submit a short sale offer and the reinstatement amount.she said she would fax me the reinstatement amount and did n't think there was enough time to do a short sale.Had SLS sent the application when they said they would there would have been plenty of time. As of today we have not received the promised reinstatement amount. A new request for permission to do a short sale will be sent by close of business today
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ONLINE Information Services, Inc. (CA)

I do not have any business with this company. My research of the phone number the second call came from indicates this maybe a scam. 
I received the first call on : XXXX/XXXX/XXXX. It was a robo call. In the message, the name of the person asked for was not clear however, sounded nothing like my name. The number this call came from was " spoofed '' in that it came up on my caller ID as " Private Caller ''. No other information was given in this message. 

I received a second robo call at XXXX XXXX on Wednesday, XXXX/XXXX/XXXX. This time the message requested the same person. Again, the name referenced was not clear and also not me. The phone number the call came from was : XXXX. The company name given was : On Line Information Services,  a debt collection services company. The message went on to reference an account # : XXXX and call back number of : XXXX. 
Once again, I do not have any legitimate business with this company nor do I know why I 'm being contacted repeatedly for no reason.
Consumer complaint received 2019-10-21
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. (TX)

I called Transunion customer service to get inquiries removed for being a victim of their inquiry issue and they did not want to take care of the inquiries by removing them and resolving the problem. I would like the problem resolved ASAP.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

I was never notifed about this debt until it popped on my credit my insurance was to cover all medical expenses i was. in a very bad car accident I then called the collection agency and they said they never sent out notice to me directly but sent notice to my insurance company XXXX and since they didnt hear from them they put it on my credit I then paid the bill and they said they would delete it but now they are saying they cant even when I wasn't notifed of this debt please help me to get this removed asap
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (PA)

This is not the first time I have filed a complaint again st Discover Student Loan.  Back on  XX/XX/XX  I submitted a request  (  more like begging ) for help paying my private student. Then on  X/XX/XX  I submitted another request, this time I received an email from the "  Executive Office of Discover Financial  Services '' stating they are still working on my issue and I should hear from them again within 60 days -- - well 60 days have past and I still have not received any contact fro m Discover. Discover ha s no problem calling me about my missed/late payments however no one calls me back to help me ; why is that???? Can someone please help me lower my monthly payments? Can I modify my loan? Can someone please reach out to me?!!
Consumer complaint received 2018-01-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
Consumer complaint received 2022-09-09
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
Consumer complaint received 2021-10-04
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. (UT)

I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX BANK XXXX CO {$2900.00}
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX   XXXX , whom we do not and never have held a mortgage with, erroneously paid our  XXXX   XXXX  County property taxes and is seeking reimbursement. I confirmed  XXXX   XXXX  made the payments with the  XXXX   County Treasurer 's    Office.  On  XXXX / XXXX / XXXX , a  XXXX   XXXX  Claims Processing Representative explained our tax ID # is similar to one of  XXXX   XXXX  's customers ( differs by a digit ), thus,  XXXX   XXXX  paid our property taxes in error. Based on internet research,  XXXX   XXXX  has made many errors in regards to property tax payments.     Initially, our mortgag e (  a FHA loan ) was with  XXXX   XXXX   XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically,  XXXX   XXXX   XXXX  made our property taxes to  XXXX  County without issue. However, when  XXXX   XXXX   XXXX  made our  XXXX  property taxes, the payments were returned as they had been paid by  XXXX   XXXX .   XXXX    XXXX   XXXX  failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks.     When we received the refunds checks, we contacted  XXXX   XXXX   XXXX  for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned.  XXXX   XXXX   XXXX  sold our mortgage to Carrington Mortgage Services,  LLC  in  XXXX  of  XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them.     On multiple occasions, we 've contacted  XXXX   XXXX   XXXX  and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (FL)

On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Trident AM, LLC. I immediately notified Trident that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. On XX/XX/2021 Trident once again reported this disputed third-party debt in violation of FDCPA. On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Trident pursuant to my rights under the FDCPA.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Hello, I have an auto loan # :  XXXX  with  Fifth Third Bank ( 53.com. )  On  XXXX   XXXX  I realized by checking my account on line that on  XXXX   XXXX  this lender added  XXXX  charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on  XXXX   XXXX .   On Monday  XXXX   XXXX   XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called,   XXXX   XXXX    XXXX   XXXX   XXXX . When I called  XXXX   XXXX  to number  XXXX  a representative from this institution name  XXXX  told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it  to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers.   Last year on  XXXX   XXXX  when this same issue happened I updated my home address, and today  XXXX   XXXX  when I talked to Representative  XXXX   XXXX  from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more.    XXXX   XXXX   XXXX , I emailed my proof of insurance to representative  XXXX   XXXX  to email :  XXXX  XXXX  XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (AL)

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third party. I have attached documents for your review. The credit reporting agencies are reporting INACCURATE/ INCOMPLETE accounts on my consumer report. As a consumer I have a right to 100 percent accuracy on my consumer report. Please review the documents and update the information. Thank you.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

XX/XX/XXXX - XX/XX/XXXX This is over XXXX $ of fraud done on my account {$25000.00} TO BE EXACT Multiple merchants on throughout these transactions Saturday XX/XX/XXXX at XXXX was the last time I used my card from XXXX, I lost access to my chime account after that transaction up until now, my identity was stolen, and after I made my last transaction I NEVER MADE ANY OF THESE TRANSACTIONS FROM XXXX XXXX XX/XX/XXXX NOR DID I AUTHORIZE ANYTHING. I have made numerous attempts to contact chime over the time period and every time I get someone on the line they transfer and Im on a never ending hold EVERY TIME. My account continues to be compromised and they will not do anything about it please help me. Ive also filed a number of police reports. I spoke to someone on the phone when I originally tried to start the claim process and told them I DID NOT HAVE MY CARD & when they sent the dispute form I was rushing to get it done I accidentally crossed out I had my card but immediately sent them an email when I realized what Id done. I did not make not a single one of these transactions shown
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MA)

The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.
Consumer complaint received 2017-07-28
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. (MO)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IA)

XXXX XXXX XXXX repeatedly calls me for a debt that has not been verified, and is nearing the statue of limitations. They also call repeatedly and excessively, after I have reported them and asked them to no longer call. My debt has been one that they should n't be collecting on at this time as it was included in the lawsuit that required them to stop collecting on illegitimate debts a few years back.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION (MD)

On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Well I have been victimized f identity theft for years. Every since then I been trying to stay on top of my credit file. So Transunion credit agency have deleted some f my information and my inquiries and two days later they put them back on with other withou y knowledge I have talk to the supervisor nd she said she will take them all back off and I waited and they still on my credit file. Now since I talk to the Fraud department I just get the run around. I have all kind of letters from errors or dismissals and a police report stating me being victim of identity theft.Can you please look into this matter. Thank you. And I have others if needed
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (LA)

XXXX XXXX XXXX  is not a licensed collection agency in the state of Louisiana which is where I reside. The state of Louisiana requires that collection agencies be licensed to collect any debt they claim is owed to them. They currently have multiple accounts listed on my credit report with each of the credit bureaus and I would like those accounts removed.