davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (OK)

I became behind on mortgage payments due to wage loss from COVID and COVID Delta. I lost an entire months wages on two different occasions in XXXX. I have made every attempt monthly to make payments as agreed. I spoke to XXXX with 21st mortgage XX/XX/2021. I made an attempt to make a payment of {$2000.00} to bring my past due to the current month and make up the current month through payments on the XXXX and XX/XX/XXXX. I was told there is an overage of {$1000.00} and the {$2000.00} would bring my payment to XXXX due. XXXX then supervisor XXXX on the phone who then began to blame me for being past due, saying things like at least I pay my bills when are you vacating the home saying I had until XX/XX/2021 to vacate. I told XXXX I hadnt been served with notice of foreclosure. I told her that with the way I am being spoken to I am not authorizing the payment. I asked XXXX why she is threatening me. That I had everything worked out until she got in the phone and began to harass, belittle, berate, degrade, and humiliate me. Calling me names. Attacking me as an individual and commissioner. Laughing at my misfortune. I have never been treated fairly by this company and they make threats every phone call.
Consumer complaint received 2020-12-03
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (IL)

My experience account One Main whom I've closed both accounts by paying both off recently the older account was a second mortgage that was open with the financial company XXXX and the account had been turned over to One Main or bought out I was never late the account is showing late payment it's hurting my business.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

ALLY FINANCIAL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian GLOBAL LENDING SERVICE Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian NOWCOM/CERTIFIED AUTO Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX BANK XXXX Bank XXXX XXXX XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (TX)

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, XXXX. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I have make a mobil deposit in my business account ( At regions bank ) for XXXX dolar. it supposed to be available next business day and now got and email telling me that deposit will be available 10 days later. I called to 1800 number to look for remove hold and the informed me that I have to go to the branch. went there and was attended by XXXX XXXX. That person have the worst customer service I have never had in my life. She refused go help me, she scream me and also invited to me to close the account. Also told me that he will call the police if I don't move from the chair that I was seat. my phone number is XXXX. Regions bank and XXXX XXXX must be responded to clients like me that has been hurt for their bad service
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Collectors International, Inc. (NY)

We hired this debt collection company Debt Collections International, located in Florida apparently with telephone number XXXX to collect legal fees on behalf of our law firm, but all they did was : ( 1 ) not communicate with us effectively or at all ; ( 2 ) not tell us who they sent collections letters to or whom they called ; ( 3 ) violated the Fair Debt Collections Practices Act every chance they could ; ( 4 ) said they terminated our services in writing but we never received said termination ; ( 5 ) claimed that they only reached out to 4-5 debtors even though apparently one of my rogue employees sent them more than 50 accounts without my knowledge or permission ; ( 6 ) never communicated with me, the CEO, or even wrote me a letter, or even responded to my multiple emails in months. 

Please investigate and advise this mess of a company.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING is a collection agency that is violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). They did NOT send me any verifying and validating information about this alleged debt and to take it a step further, they had also sued me, case number XXXX XXXXXXXX. I did NOT know that I got sued in the year 2022 by this agency nor did I get ANY notification about such debt. I want proof that I received notification about the alleged debt by providing a certified green return card bearing my signature. Additionally, being sued without proper notification further violates the FDCPA, to be specific, 15 U.S. Code 1692g ( c ) and 15 U.S. Code 1692i ( b ) which states " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Consumer complaint received 2022-04-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

U.S. DEPARTMENT OF EDUCATION XXXX {$3000.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3400.00} US DEPT OF ED/XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Prior to XX/XX/XXXX, I have sent letters requesting that Transunion send me their method of verification as to how the public record ( Chapter XXXX Bankruptcy ) was verified and to provide me proof of the signed petition. Transunion has failed to provide me with this information and continues to send me letters with the response that the public record is verified and accurate and it was verified by USBK COURT XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. 
I contacted the court at the contact number listed above and they stated per the Fair Credit Reporting Act, they do not report or furnish information about bankruptcies to Credit Bureaus and third parties. 

For XXXX XXXX, I have disputed errors on this account in XXXX, XXXX, and XXXX XXXX. The following discrepancies continue to report ( Date of last activity shows XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.
Consumer complaint received 2020-12-03
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. (CA)

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: E*TRADE BANK (NC)

*** I have had a freeze on all three credit reporting agencies for just over one year XXXX On or about XX/XX/2021, I received a packet in the mail from E*Trade in a solid green plastic envelope. Out of curiosity I opened the packet to find checks, deposit slips, check register, and check book cover. My full name and address were on the checks/deposit slips. I DID NOT REQUEST A CHECKING ACCOUNT FROM E*TRADE! I called E*Trade using a phone number I found on their website and explained the above. He asked for my name and account number - which I gave him. He then asked for my social security number - I gave him no other personal identifying information. The representative offered no information as to how or who created the account. He said he would immediately close the account ; they would research the creation of the account ; and send me a letter with their findings. I received a letter from E*Trade on XX/XX/2021. This letter shows the last 4 digits of the account, and is addressed in my first and last name and current address. The letter states, " E*Trade Bank has decided to exercise its discretion to close the above referenced account. '' NO EXPLANATION OF ANY KIND. The final paragraph states if I did not recently open an account at E*Trade to consider several of eight different options ; i.e. complete a notarized affidavit of identify theft at ftc.gov ; file a police report ; etc.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (OR)

I had a biz CC ( XXXX XXXX debt that I believe was written off by XXXX after we went to court in 2018. Lately the collection company D & A LLC has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule XXXX not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by XXXX and figured D & A was fishing. XXXX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by XXXX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Someone hacked {$12000.00} from my account and BOA said it was me and also they wrote me a check that returned fake and got me banned from XXXX XXXX. This started on XX/XX/XXXX of XXXX, someone did XXXX payments to someone I don't know and they did XXXX and XXXX XXXX XXXX payments which I didn't authorize. There's a virus on my XXXX that I see in the calendars app. I think that's how they stole my online banking info and all the info on my phone. I filed an FTC ID Theft report about this. Bank Of America denied my claim AFTER THEY mailed me a letter about suspicious activity on my online banking and to call them, which was received in my mailbox on XX/XX/XXXX. The next day, I called, and realized all the transactions I never authorized. They filed a claim and assured me that all the money will be refunded. Almost 3 months later, I'm still fighting with BOA. I even filed a XXXX  post and the social care team called me and said they could only get me to claims. Claims said they believed me and the investigator who chooses to approve claims doesn't believe these things that happened to me happened. I just want my hard earned $ back and I'm willing to fight. I posted about this on news pages. I'm even working with this advocate called The XXXX XXXX to help me out. I was told by one BOA representative that there is a phone number I no longer have linked to my BOA profile, and we both agreed that person who was the number must have my personal info to get into my bank info and authorize the transactions. I think Bank Of America is a scam company that steals people 's money and not care for it like a bank should. I have proof of the viruses on my phone and PC I think they used to drain my bank account, which I will include. So for the check for {$500.00} that was drawn on Boa, I had a XXXX account that was closed. The account was named XXXX XXXX. When I deposited the check in my XXXX XXXX XXXX account, they said try at the ATM cause the picture of the check might got the numbers wrong, so I did an ATM deposit. There was a hold on the check, so I called BOA and they said the check should clear and to call XXXX XXXX. The check returned fake twice and XXXX XXXX shut down my whole accounts and reported me to XXXX XXXX XXXX and said my account was closed for cause due to BOA 's mistake. XXXX XXXX wants proof from Boa confirming the check is real and should have cleared. I just want my name cleared up so I don't have problems opening bank accounts for the next 7 years until XXXX. Also back in XXXX on two different accounts, someone zelled themselves {$50.00} each and BOA thought it was me. This has caused XXXX XXXX to close a credit card I have and ruin my credit score.