davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
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. (UT)

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have opened a wallet in coinbase.com they asked me for a small transaction so they can activate my account and I could get my money out of the wallet into my bank account. I sent 10 and they said that it would take about two working days to activate my account. However, it's been almost two weeks and yet my account is not activated, I tried to contact them by all the methods they provide in their website but I never receive any response. 

I have invested thousands of pounds to get all the money that is in that account but they are still holding it. 

Please help me with this. 

Regards, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SI Mortgage Comapny Co. (FL)

Dear sir Madam, I XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, Florida XXXX, got in touch with a loan officer ( NMLS ID XXXX ) at Sitar Mortgage a national wide lender ( NMLS ID XXXX ) to process my home refinance sometime back in XX/XX/2021. The authorized loan officer promised an APR of 2.875 for a 30 year loan period and have locked my rate immediately on the same day. However there was no paper confirmation given to me, though i have repeatedly requested. Along with this, i have been also promised about lender credits which will cover most of my closing costs to which i have agreed with. Have attached email confirmation on the same. The lender did not provide any paper confirmation even after repeated requests and made me wait till XX/XX/XXXX for closing. During this time between XXXX and XXXX, I have provided all my documents and consent to the closing disclosures shared which i have attached. 

On the day of closing, the closing was rescheduled with no notice to me. From that day XX/XX/XXXX, i'm unable to contact the lender through phones/email. Meanwhile have reached out to CEO of Sistar mortgage XXXX XXXX, explaining my issue, to which I got a call from the Lender that they can not match the APR of 2.875 which they promised me from the beginning along with the lender credit. On XX/XX/XXXX, the new APR was changed to 3 %, to which I agreed to move forward with lender credits to cover my closing costs. Post that conversation, All of a sudden the lender has abandoned me with no proper responses to my questions since last one month. Have attached all the related emails on the same. 

Also, there is no paper confirmation on any of the Loan estimates, which is concerning and not a fair business practice for the consumers.
Consumer complaint received 2018-02-19
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. (SC)

On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
Consumer complaint received 2021-12-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (NY)

Sprout mortgage took my application charged me for appraisal fee and now I have been chasing them for XXXX months because they will not process the loan and continue to ignore or when they respond they ask new unrelated questions. My other loan has expired causing me thousands of dollars in late fees.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (TX)

Amegy has repeatedly charged me for a late charge even though I have paid my mortgage on time. The could only find one receipt. ( This has happened twice. ) This particular one shows I paid my mortgage at Amegy Bank on the XXXX of XX/XX/XXXX and on the XXXX was assessed a late fee anyway. I did try to resolve this to no avail. 

Furthermore, I have been recently unemployed and had not been making my payments within the grace period. But what has made matters worse, on XX/XX/XXXX they charge me a {$5.00} fee for paying my mortgage over the phone on with the Customer Service Representative, Ms. XXXX. I told her I could pay it online to avoid the {$5.00} fee as I am counting pennies at the moment. She said I could not as two months are due and would have to pay two months if paid online.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.
Consumer complaint received 2018-02-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (FL)

In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

In accordance with the Fair Credit Reporting Act this debt colletor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, also known as RESURGENT CAPITAL SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations. ALSO I WOULD LIKE TO NTIFY DEBT COLLECTOR LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES OF VIOLATIONS AND I WILL SEEK DAMAGES 15 U.S. Code 1692g ( B )
Consumer complaint received 2020-11-02
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. (GA)

Fraudulent inquiries showing on my Transunion credit report. I have contact Transunion directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX  date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX/XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2019-08-30
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. (FL)

I am filing a complaint against Experian credit agency. I am a victim of identity theft and sent them my identity theft affidavit and police report. Included in the list of fraudulent accounts was a credit card from XXXX. I disputed this information with Experian, had XXXX XXXX XXXX mail them a letter and it still remains on my credit report. As an XXXX Veteran, it is making it hard for me to gain the lowest rate with my VA loan. This issue has been ongoing since XX/XX/2019.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

Dear XXXX XXXX XXXX XXXX, Are you still unable to raise the fee of just {$180.00} to enable us send to you the original copy of your draft? 
XXXX XXXX. 

Sent : Monday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I don't have the money yet I will let you know ok and I am not sure yet either XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Send the fee {$180.00} to us by Money Gram Or XXXX only in this Name : Receiver : XXXX XXXX XXXX. 

After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 



Sent : Sunday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " foreign operationscbn '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : And tell me where to send the XXXX dollars to and I will as soon. As I get a chance. You would not understand what I am goi g through but I will send for this XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Why??? 

Sent : Saturday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I am no longer interested. 

XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Still haven't hear from you why??? 
Sent : Monday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will send it soon. I p my get paid on the XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , We are still waiting to receive the fee from you as you promised. 

Sent : Thursday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will when I get the money I don't have this now XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Here is your draft.Could you please send the fee {$180.00} to us by Money Gram only in this Name : XXXX XXXX XXXX. 
After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 


Inline image I am not able to raise anything just take the fee from the fund you are so desperately wanting to send to me XXXX XXXX XXXX XXXX Show quoted text
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

In XXXX, 2020, I purchased a computer at PC Richard using my PC Richard XXXX card. I had nothing but problems with the computer. I was frequently in touch with PC Richard and its agents about the trouble I was having. I tried to return the product to PC Richard and they refused to accept it or issue any credit/refund, etc. I ultimately took the computer to my own repair person who said it was irreparable and belonged in a trash heap. 

I contacted Synchrony Bank, the issuer of the PC Richard Credit card and filed a written dispute. They claim they never received the dispute. I filed another dispute and was told to wait for a response from the merchant. I never received a response from the merchant and was ultimately informed the dispute was NOT resolved in my favor. 


This is an unfair trade practice between a store and the bank who issues their credit cards. They are acting together to sell cheap products and defraud consumers. My dispute was not acted on in good faith.
Consumer complaint received 2024-03-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im a victim of identity theft, Ive had more than one claim, why do you keep saying its a duplicate claim but we resolved the others, and but XXXX told me it was more money that they issued me so Im opening up new claims that have evidence and need to be looked over
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (AL)

Im being contacted by scammers trying to collect a debt that was previously owed and sent to collections. This debt was settled in or around 2011. I have spoken with legal counsel regarding this matter because another company tried to collect this debt previously but I was told that its basically an ambulance chasing legal business. The one today was XXXX XXXX XXXXXXXX, phone number XXXX. The original call came from XXXX. The gave me case/reference number XXXX. They said it was a debt from Chase Bank and an officer was in process of serving me.
Consumer complaint received 2018-02-20
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. (CA)

XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

All of my student loans except for 2 private loans from XXXX XXXX/Navient have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in total permanent XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XX/XX/XXXXand XXXX of XX/XX/XXXX) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay $ XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX/Navient keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.