davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I make payment to the servicing company and the choose when they want to apply the money to there records. I send in certified fund to keep from having a problem more with the amount they tell me is the mortgage amount and it seems to change monthly. This services company is bad and has many problems When the loan was with XXXX  XXXX XXXX I could walk in the door and pay them now it is mailed and I do not know the date that it arrived without spending an additional amount to get receipts. They come up with additional charges for inspections that I have not approved or requested. I am sending you the documentation of all of this actions.
Consumer complaint received 2020-06-01
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-09-23
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: FIRST NATIONAL BANK OF OMAHA (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First National Bank of Omaha ( FNBO ) violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

Hello, I used Chrysler Capital to finance my XXXX. Well long story short, I went with a local bank for better service. I had the local bank pay off my loan and Chrysler Capital applied the amount a on my due date for my payment but did not show the transaction on my online history. So, I paid the monthly payment amount of XXXX on XX/XX/2020 at XXXX XXXX. I have a confirmation number of XXXX. I talked to a rep from this bank on XX/XX/2020 Chrysler Capitol will not return my payment on the paid in full closed account unless I fax them my Bank statement with the transaction at XXXX. 
I do not feel Chrysler Capital needs to see what is in my bank account or any other transactions on my statement. I feel this bank is trying to fraud me out of money I do not owe them.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AL)

Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

XX/XX/2021 Med Data Sys hit my credit for collection in the amount of {$760.00}. 

After finding their contact online, I called on XX/XX/2021 to resolve the issue but they still refuse to send me a statement via mail
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

I've reached out to Transworld multiple times requesting validation of this debt and never received nothing but a settlement agreement in the mail.

Transworld continues to add interests on an account that do not belong to them which causes my credit score to decrease and report inaccurate information.

The representative were rude when I asked to speak with a supervisor and hanging up multiple times.
Consumer complaint received 2020-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

( Credit Bureau System ) at ( po box XXXX XXXX, Ky XXXX ) has been sending me collection notices in the amount of ( {$1200.00} ) the account opened XX/XX/20 .the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

After reviewing my credit report and seeing XXXX XXXX I had contacted him to provide an original contract between me and them. They never verify the debt. I called XX/XX/XXXX looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call HSBC BANK NEVADA N A who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.
Consumer complaint received 2020-04-24
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. (CT)

Complaint against : XXXX XXXX XXXX, XXXX, XXXX  and Experian I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} XXXX {$8400.00} XXXX. This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 
THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (AR)

My XXXX XXXX XXXX was sucked in to a XXXX XXXX that had in XXXX  purchased. He is a typical XXXX XXXX XXXX that is very tech savvy and was able to use his biometrics to suth purchases. He has no real understanding of money and spend thousands. I have tried to resolve this with XXXX XXXX   and the developer to no avail. I need help recouping the thousands of dollars wasted on these virtual products. While I have joined a class action suit I am on XXXX due to XXXX XXXX and this situation is untenable. It is almost as if XXXX and XXXX XXXX are stretching this out waiting for my death.
Consumer complaint received 2022-08-13
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. (FL)

XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Acct XXXX is reporting incorrect information to Experian. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. XXXX  is reporting late payments and Experian is showing incomplete and inaccurate information which must be removed as per my rights under FCRA
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XXXX CrossCountry Mortgage, LLC Attention : Legal Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Notice of Bifurcation and Fraudulent Transaction Dear CrossCountry XXXX XXXX I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of significant concern regarding the mortgage transaction associated with my property.

Upon recent investigation and a visit to the county recorder 's office, I have discovered that the note and the deed of trust related to my mortgage have been separated on record. The Supreme Court has ruled that these two documents can not be separated, and the current state of the records indicates a bifurcated transaction.

I was advised by the county recorder 's office that the note was not recorded along with the deed of trust, raising serious concerns about the legitimacy of the transaction. This situation constitutes a fraudulent act, as the bifurcation of the note and the deed of trust violates established legal principles.

Furthermore, upon reviewing the copy of the closing document, I have noticed that it lacks the necessary signatures, with only my signature present. A legally binding document should include the signatures of all relevant parties involved, and the absence of additional signatures raises questions about the document 's validity.

In light of these findings, I want to inform you that I will be conducting a thorough securitization audit to assess the full extent of this matter. If my audit reveals any irregularities, I intend to use this information in a court of law to rectify the situation.

Additionally, I feel compelled to inform you that I will be reporting CrossCountry Mortgage LLC to the Securities and Exchange Commission ( SEC ) for potentially selling unregistered notes to investors. This action is taken in accordance with my duty to uphold the law and protect the rights of all parties involved.

I believe in the importance of addressing these issues promptly and amicably to avoid unnecessary legal complications. I kindly request that you investigate this matter internally and provide me with a comprehensive response within 15 Days.

Thank you for your attention to this matter. I trust that we can resolve this issue in a fair and equitable manner. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-18
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. (GA)

Hi so as I'm typing this I called Transunion Credit Agencies and I've been on hold for over 48 minutes none of them are trying to help me resolve this issue. They keep transferring the call to different rep who don't know what to do to resolve my concern. I have about 8 accounts with XXXX XXXX and XXXX XXXX that are showing up when I log in to view my credit score through my bank which is XXXX XXXX  but the Credit Agency they are associated with is Transunion. When I logged in it showed under review " credit view dashboard " it shows all these collections accounts which the creditor did agree to DELETE them from my report. They actually did remove them with XXXX  and XXXX  however, Transunion is acting like they can't see the information when I'm asking them to file a dispute they are blaming my bank, but the bank is NOT the credit bureau this is information that only they have access to remove. I would like to know what I can do to have this resolved I'm attaching the screenshots for your review and consideration ASAP!
Consumer complaint received 2015-06-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc. (PA)

XXXX XXXX called XXXX times and said he was going to come to my place of work or home to serve me court papers if I did n't call XXXX. I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for XXXX XXXX. He asked why I stopped paying and I said I was on-the-go hospital. He said he would talk to his lawyers to stop any legal action if I paid the bill. I told him I did n't have the money I was behind on things told me to give him a credit card, debit card or prepaid card, no checks to pay the XXXX then set up payment of XXXX every 2 weeks. I asked him for documention and why I never received anything. I have him my email on Thursday XXXX XXXX, he told me his Secretary would send me something and as of XXXX XXXX on XXXX XXXX I still have not received anything. He is supposed to call back on Monday XXXX XXXX to get payment or serve me with court papers. I feel this is a scam and do n't know what to do
Consumer complaint received 2015-07-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FULTON FINANCIAL CORPORATION (NJ)

I attempted to purchase XXXX  tickets! I spoke with a gentlemen via text and email we discussed I would send transaction via XXXX and he would send tickets via XXXX. I sent the money he never sent the tickets. I reached out to my bank and the XXXX department but they said there is nothing they can do!!
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (AL)

i have been dealing with equifax for more then 6 months with the same problem to no resolution at all..The problem is with XXXX XXXX able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from XXXX XXXX receive my title in the mailXXXX i purchase another vehicle from XXXX XXXX  for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX XXXX XXXX I didnt want the vehicle and i allowed XXXX XXXX to keep it..XXXX XXXX XXXX took me to court for balance of XXXX ..I had XXXX  XXXX XXXX XXXX to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im disable XXXX XXXX wont see a XXXX..XXXX XXXX I filed suit against XXXX XXXX because im trying to purchase my first home and that judgement is damaging my chance to get approved, equifax isnt doing a complete job XXXX  XXXX  keep reporting back to equifax that the account belong to me and the information is accurate, which it not with XXXX XXXX reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both XXXX XXXX  and equifax received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX XXXX XXXX reported 180 days late ... XXXX XXXX denied my loan approval because of XXXX XXXX and equifax not doing their job ... I have filed over 17 disputes about this matter .equifax employee keep telling me to get in touch with XXXX XXXX, I keep explaining to equifax that we're in Litigation in the District court of Alabama ..XXXX XXXX XXXX XXXX and by me been Pro se and XXXX no one want to help to make this right ! Thank you for your time and effort
Consumer complaint received 2020-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

I had contacted great lakes about my student loan. I told them I couldn't afford payments i couldn't find a job. So they put me in forberance but didnt quit explaining. It to me this was the end of XXXX. Well when I got on the pay as you go plan I got charged the interest than for some reason there was. Months were they put me in forberance tha. The same month on a payment plan and that went back and fourth like that for quite a few months. I turned in my paperwork at the end of XXXX but they didn't approve it till XXXX so I got charged interest. As well as XXXX XXXX to them about the borrowers defense they shut me down didnt even try to help. They know I work for a non profit organization and am gon na try for the pslf but they have never said that they don't dont do the qualifying for that as well as I've talked several times with the csr and wanted to make sure I was on the right payment plan to count for the pslf loan they would tell me one thing but than it would change I still dont know exactly if the pmt plan im on is correct i got nothing but resistance when trying the borrowers defense loan. The company is not very good and i dont feel that any advice they give is in to help me out. Just their pockets I learned that early on dealing with them