davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to transunion for the removal of the collection company ( XXXX XXXX XXXX ). After allowing time for the removal this hasn't happen. Last year this company and I reached a solution which lead to its removal. I ask for that to be the solution again since the dispute was to no avail.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Venture Financial Services, Inc. (MO)

I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Associates of Maui, LTD (MI)

The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/22 I received a Bank of America email stating an online application was in progress. I received a second email stating the new account was open. I received a third email stating i was enrolled in online and mobile banking. 

I never opened a bank of america account. 

Bank of America stated they froze the account and that i needed to contact State of CA employment development department and the federal trade commission.
Consumer complaint received 2016-09-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (OK)

I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.
Consumer complaint received 2016-06-06
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: Simple Solutions Credit & Debt Consulting Inc. (MD)

Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MD)

PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMW Financial Services NA, LLC (CA)

BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Jacob Law Group, PLLC (TN)

I am unaware of a debt that I owe from a Mississippi XXXX bill to which the Jacob 's Collection agency calls me twice weekly to tell me that I owe. They said it was for two years and one was for the year 2008. I have never received the initial bill so I can not argue the claim. Regardless, they call threaten to garnish my wages, report to my credit, etc.
Consumer complaint received 2021-04-29
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: Receivables Performance Management, LLC (MN)

A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. When trying to dispute the issue with XXXX, I was unable to speak to a representative about it. I was also hung up on by the collection agency XXXX placed the debt with. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from XXXX XXXX, and the debt should not be transferred to any other collection agency. Please cease & desist immediately.
Consumer complaint received 2020-09-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.
Consumer complaint received 2015-12-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MI)

i have been advised by my realtors to contact this Bureau. My husband andI acquired a Home Equity Line of Credit in XXXX of XXXX. The prepaymentphase ended this past XX/XX/XXXX. Uneducated and unaware, wewere caught off guard and can not afford the payments. Our home is vacant, we own another home, in the city where we work and live, we aredesperately wanting to sell, sell, sell, the home, but it is not selling. We havereceived a cash offer on the home, a lowball offer, and we have applied for ashort sale with our primary plus our secondary mortgage lien holders. This isthe very beginning stages, I am still faxing in documents. However, the mostrecent appraisal on the home shows {$230000.00} on XXXX XXXX, XXXX. Weowe $ XXXX on the home. This does not include the HELOC which is over XXXX. I haI have missed XXXX payments on the HELOC. But like I said, I am applying forShort Sale status, in the hopes that I get another offer, if this offer does notgo through. At any rate, I have NOT enough equity in the home to pay backthe HELOC even if I were to get an offer for the appraised price. I am not surewhere to turn.
Consumer complaint received 2021-01-27
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. (FL)

XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as Transunion. Transunion allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

XXXX XX/XX/15 XXXX XX/XX/15
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (PA)

Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you
Consumer complaint received 2016-03-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I Checked my credit report and seen this debt on there. They never reached out to me or notified me of the debt i tried to contact company its in collections and now this negative impact is stopping me from getting a mortgage because of this. A Hospital bill that I'm not even aware of.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (TX)

I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (FL)

I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (WA)

I received an email from XXXX XXXX that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( American Express ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Consumer complaint received 2021-06-05
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. (NJ)

An account on my report was closed by the creditor in XXXX. It was charged off that same year. In XXXX it appeared at late payment in XXXX. I asked Experian to investigate and correct it. They updated it to charged off as XX/XX/XXXX causing my score to drop yet again for an account that should be set to age off my report in a year. Now it appears as it is a new account.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NV)

I have told this company over and over again that the credit card company chose to close my account when I has report the charges on the card as fraud, once the credit card company said that I never heard back from them and that was back in XXXX of XXXX or XXXX. They said they would let me know the outcome of the investigation, but never heard anything back from them. Now I getting letters in the mail threatening to sue me and saying they are contacting a lawyer in my state about this debt when I never got information or knew that I could dispute this debt with midland credit collections. I was not never informed that my debt was being sold and sold again to keep this on my credit report.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX, toyota dealership in XXXX was where i leased my toyota van. when i. returned the van, the manager went over the van with me wide open and checked everything and it went well. the manager never asked or disclosed anything about any accidents. we then went inside to do another lease but ended up with a purchase because of too many complications. at that point i did not complain because i thought i was getting a better deal since it was a purchased transaction ; however, i went home disappointed because i was really determined and adamant in just leasing a van for my business. after a couple of months, i heard from toyota and they were charging me approximately {$3400.00} for repairs and damages. according to them they found out after thoroughly checking the leased van that i had gotten into an accident and they claimed the repairs were not up to " their standards ''. i then asked them why they had n't inquired at the time of the return and inspection about any problems and concern because if it had been disclosed under that condition, i would have purchased and kept the van as the accident was only superficial damage and not the engine. i did not pay what they were demanding because it was unfair, and also because i had already paid for the repairs when the accident happened. they should have disclosed their position and informed me about it while we were going through the physical inspection.of the van. i tried to reason with them and eventually even hired an attorney to deal with them, but they would not change their position at all. they then reported the claim to the XXXX ( XXXX ) major credit reporting services ... and my nightmare began. i was unable to follow up with XXXX XXXX and the personnel involved because the dealership closed. to date, toyota still refuses to remove the negative report even though it was first posted in 2007. please help.