davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Escrows are being over-projected by approximately {$1400.00} extra a year from actual assessment and yearly XXXX to XXXX tax of {$3300.00} to {$4800.00} inflating monthly mortgage payments. Rather than fix problem, Mortgage servicer XXXX XXXX loan servicing did transfer loan servicing to Select Portfolio Servicing in XX/XX/XXXX. Called SPS on XX/XX/XXXX was treated very badly and again on XXXX and XX/XX/XXXX while providing useful city hall data from the Tax collectors/assessors office to prove that real estate tax on XXXX XXXX XXXX XXXX, MA XXXX is being ove-rprojected. To date there has been no effort to correct matter. Please assist as this now shows an intent to defraud consumer.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted Equifax several times about two hard inquiries, neither which have resulted in open accounts. However, Equifax refuses to remove or submit a request for removal on their side. I do not have either account open nor have I applied for these accounts. When I request they continue to put me on hold for several long periods of time, and then refer me over to the lender, which I have also reached out to. Equifax refuses to submit a claim on behalf, despite contacting them numerous times. Equifax is also refusing to provide me with proof that I approved these inquires.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (GA)

I trade stocks using the Robinhood App. Usually I get into the app on my phone. If I forget my password, I get email and are able to reset my password. Since XX/XX/XXXX, I am unable to get into the account or able to reset my password to get into the account because when the app tells me it has sent email, I do not receive anything. I know Robinhood has my email because I receive email confirmations for the transactions I make.

Not only am I missing on opportunities, I am unable to access my money. I opened a case as directed and have received nothing from Robinhood or even response to let me know they are working to restore my account. 

It is impossible to get to them. I called XXXX XXXX  which has the account and it appears they are getting some calls like mine. 

I need Robinhood to get this issue restored as soon as possible so I can have access to my money.
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Profit Services Group (GA)

For the past year, Profit Services Group has been calling at least 3 times a day to harass me for a debt that belongs to someone else. 

When I told them, they called me a liar, hung up the phone and proceeded to continue harassing me. I have asked 6 times to have my number removed and each time I have been hung up on. 

The latest call I received was from " XXXX '' who claimed she was a manager said she didnt care about being reported or their XXXX  rating. 

I have no idea how to stop this but I need help desperately.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Congressman/XXXX XXXX PA District XXXX, suggested that I write to this Agency. 
Hello, I have been a Bank Of America Credit Card Customer since XXXX. I have always paid my bill on time. Due to my Excellent Payment History, they ( BofA ) have periodically raised my Credit Limit steadily over the past 15 years. I have been a model customer. This VISA Credit Card was used primarily for Travel Expenses. 
In XXXX I paid off the remaining Balance and stopped using this Credit Card. The Pandemic eliminated my ability to Travel frequently, therefore the Account had a XXXX Account Balance. Again in GOOD STANDING and PAID OFF. 
Fast Forward to today, XXXX. I received an Email from Bank Of America stating that they have decided to CLOSE my ACCOUNT. No reason stated just closed the Account. I immediately reached out to Bank Of America Customer Service at XXXX XXXX XXXX XXXX XXXX and told the entire story to a young man. That Agent mid-call transferred me to someone else in the same department. That nice lady transferred me to her Supervisor XXXX who then transferred me to her Manager XXXX ( not sure if I spelled correctly ). None of these Agents could tell me why my account was closed after 15 years. XXXX was supposedly transferring me to LEGAL AFFAIRS ( at my request ) ; when instead I ended up with XXXX a very nice Credit Card Applications Rep in the Rhode Island Call Center. XXXX was delightful but could not answer my questions with any certainty. He did offer that my Lack of Credit Card usage ( during the Pandemic ) could be an indication as to why BofA Closed my account. XXXX should get a promotion because he is the only one at BofA that has a Clue. XXXX advised that I wait for a LETTER from the BofA Legal Department ( forthcoming ) that will explain their decision and the Appeals Process. 
My main concern is the effect this unprompted Account Closure will have on my Credit Score. I have spent the better part of 20 years repairing and building my Excellent Credit Rating. This Closure will undo all of my hard work.

Thank You!
Consumer complaint received 2019-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I had an issue where my checks was stolen. The person deposited my chase bank check of {$1700.00} into his account at XXXX. I filed a police report and followed up with chase bank. I dont know where the person got this check. I had not written any checks on this account for over 2 years. I had numerous conversations with my bank to try and get their help in getting the money back. They were unwilling to assist and insisted that I was responsible for safe keeping of my cheques and rejected my claim without even reaching to the XXXX bank. 
I went to XXXX and show them copy of deposited cheques and ask me to have CHASE BANK send them ( AFFIDAVIT OF FORGERY FORM ) and will reverse the funds back to my account.UNFORTUNATELY CHASE BANK REJECTED IT. 
Please am in need of your assistance to help me get my funds back. 
Thank you
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IA)

My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking hundreds of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (IN)

I was under the XXXX forbearance plan and Freedom mortgage reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that Freedom Mortgage sent to me. ( See Attached ).
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC (GA)

I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (GA)

Barclay card In the United States will not resolve a dispute I filed. I am entitled to dispute my credit card statement under regulation E in the Graham-leahy act. The credit card company has no way to pragmatically file a dispute. The company is dismissive when you call in for a simple charge dispute. I have called on numerous occasions to dispute a charge and no one has been able to accommodate this request nor directed me how they comply with regulation E.
Consumer complaint received 2022-03-01
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: OneMain Finance Corporation (VA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (LA)

I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XXXX of 2019 my loan was sold to XXXX loan servicing by XXXX XXXX. Since being with this new servicer, the handling of my loan has been to say the least a disaster. I am in a HAMP incentive repayment program which was never handled correctly, and my loan payments have been misapplied. I was also advised by a supervisor in the United States that I could make a partial payment as there was money sitting in suspense that could be applied to principal. Other staff members of Rushmore took it upon themselves to reverse all this and to make a further disaster of my loan activity. Rushmore is now reporting me incorrectly 30 days late to the credit bureaus. I have tried more than multiple times to resolve this problem. Each time I call and speak with a supervisor I'm assured that I will have no negative credit reporting and that the problems are being fixed. They are not. The only person that tried to help me that is employed by Rushmore is a woman  named XXXX in XXXX customer service. She assured me to send a secured message to Rushmore asking them not to report me as incorrectly delinquent and yet they did it anyways.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft MIDLAND CREDIT MANAGEMENT # XXXX BALANCE OF {$6100.00} Enclosed are the following : A copy of my credit report I received from your company listed XXXX XXXX XXXX The fraudulent items are circled. copy of credit report I contacted them many times and Dispute this Fraud account
Consumer complaint received 2022-03-01
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. (PA)

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage of and being ignored of my disputes.Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to stress you cause me.
Consumer complaint received 2021-07-13
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. (LA)

I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Portfolio recovery said they send me a letter from XX/XX/2016 for the amount {$65.00} but I did not get a letter they also said XXXX XXXX sent XX/XX/2016 and I did not get that letter either. So I have know knowledge of said debt but got a phone call while at my job about this debt.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I got sold into this loan and did not really understand the loan. I was told by the representative that I could refinance in a year which on my credit report it shows I was in good standing, but they make it impossible for you to do that. I did not understand how much of a predatory loan it was. My car started to break down shortly after I bought it and the wrong size battery was put in the car which in time causes more problems. I contacted a company about refinancing the loan and they said that credit acceptance sold me the car for way more than it was worth and that i would have to pay the difference of {$7000.00} before I could refinance the loan. I was told that during covid they put me on disaster relief which put my payments on hold but then I see that they put a mark on my credit for more than 150 days late after I told them I was refinancing the loan with someone else. Due to them doing this I was not able to refinance. Everytime I try to pay online it tells me I can not pay online due to past due balance so I am forced to pay with a representative which they charge you to pay over the phone. Usually the representatives are rude and do not want to give you any payment options they just want to take the car. i bought this car a couple years ago at {$14000.00} and now I still owe {$11000.00}. I asked for copies of my payments and other paperwork showing how much I paid and how much I still owe because that information is not online and I was denied. When you tell them you are financially not able to make the payments they ask you why and then they want to put you on a payment plan that is even more than what you pay monthly. I pay XXXX a month and fell behind on bills. My only options are to pay {$400.00} to start the payment agreement and {$300.00} everytime i get paid. So they want to me to pay {$1000.00} a month roughly when I expressed I am in a financial hardship. I would of been happier spending {$6000.00} on this car as there is one down my street selling for that much but instead if I am not able to pay this car loan off within 6 years I will have paid {$23000.00}. I would be okay with this if I had a newer car and paid {$400.00} for. That is not what I am paying for. I have a 2014 chevy cruze. I tried tp trade this car in fopr another car and the delaership told me that I should have never signed a car loan through credit acceptance because it ruins peoples credit and now that is exactly what I am dealing with. I have XXXX children and another one on the way so you could imagine how hard it is going to be for me to have a XXXX XXXX with XXXX kids but now I feel like there is absolutely nothing I can do and on top of that credit acceptance ruined my chances of getting a home because of the damage that has been done to my credit. I have been very communitive with them on my financial hardships and am left to suffer with the fact that I was sold into such a bad company that does not care at all for their customers.