davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (GA)

I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (WA)

Hello, The company Coinbase has charged me 3 times for two purchases. They removed one set of unauthorized charges. After a week they charged me again for the same prices. This company needs to be investigated for fraud. I've tried submitting a ticket to their website but they do not respond for days at a time. I'm not the only person having this issue.

I've attached two photos of the charges. One was for the XX/XX/XXXX and the newest as of today XX/XX/XXXX.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP (WI)

I was sent two notices from a company by the name of Congress Collection. They are both dated XX/XX/2022. One is in the amount of XXXX and the other is in the amount of XXXX. Both of these matters were forwarded to a collection agency by XXXX XXXX XXXX a ignition interlock company. The company stated they had sent me a bill on XX/XX/XXXX and this was never received. Previously they would email, send a bill, and even call when there was an amount due. I never received any notification at all that there was any amount due until I received these notices from a collection agency. The amounts shown on the notices has all kinds of charges that dont pertain to my accounts. First they have a retrieval fee, and I sent the devices back. They have lease amounts that are incorrect due to the fact I have documentation signed by a judge that orders half price monthly fees. Then they are stating I owe fees for this matter being sent to collections when I was never notified. The collection agency stated that my credit will be affected if I dont make payments on these accounts. Im very frustrated with this entire thing because I just spent 3 years cleaning up my credit history. I understand that there may be amounts due and am willing to take care of what I owe however the way this has been handled I believe is predatory.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureau Reporting Current address, since XX/XX/1989, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report. 

The above 2 addresses STILL remain. I believe XXXX reports the XXXX, TX., and Trans Union , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/1989. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

I had a major health issue due to failing XXXX and was on XXXX  and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me. 

I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX   for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.
Consumer complaint received 2022-08-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Attempted to pay off the mortgage. Bank did not dishonor, reject or return my payment coupons and didn't close the accounts either. 
Attempted to have the debt validated by bank. Requested validation twice. 
Bank refused to answer any letter. Notified bank of contract change due to lack of response and lack of validation. Bank is now attempting to take action. Harassing letters are non-stop with the threat of foreclosure and now a lawyer has joined the team signing the same thing. 
But they will not answer any questions from the XXXX XXXX!!! No contract with XXXX wet ink signatures has been shown, only a photocopy of the original note. 

They are not in compliance with the UCC and the bank is violating my rights under the XXXX of law. The Maxims of XXXX XXXX apply to everyone!!!
Consumer complaint received 2018-07-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

gentleman. I did apply and approve for my home refinance mortgage with bank of America. they took in advance around {$500.00} for credit report and home appraisal.

the loan officer made a mistake and after the loan was approval by the underwriting said my loan was cancelled because I was in a temporary loan modification with my present lender ( XXXX  ) I disclose that at the beginning, verbally and in writing in the application of the refi. 
the loan officer told me that, was not a problem ( the temporary modification ) so he collect the money for the appraisal and the underwriting approve the loan. 

later on, someone review the application and said the temporary loan modification was a problem and denied the refi. But I told them at the beginning and mr XXXX and XXXX told me that was not a problem. so they took my {$500.00} and refused to return the money and get in contact with me .loan officer Mr XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX they made a mistake and made me paid for an appraiser I want them to get in contact with me and get my money back. 

Mr XXXX told me I ll received a letter that explain why my loan was cancel. 
they lie to me never received any letter and they don't answer my calls. 
I want a writing explanation and my money back. Please help me. 

yours XXXX XXXX XXXX XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection.

Enclosed may be additional evidence to support my claim. 


Sincerely,
Consumer complaint received 2019-03-20
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: Coastal Finance Company, Inc. (NC)

I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NM)

I purchased a laptop from XXXX XXXX XXXX in XX/XX/XXXX. in XX/XX/XXXX the laptop was taken in for service when my screen went blank. I let them know that this was being used for a small side business I had and needed it back asap. they said it would take 2 weeks- 2 months went by and no laptop! I continued making my payments and have always paid more then the amount due. in XX/XX/XXXX ( this year ) I took the laptop back for service because this time the XXXX system came up and I was not able to get into it. When I took it to Conn 's I took it with charger and did give them the ok to wipe out all information if needed because I had saved my information on an external drive. on XX/XX/XXXX I went to pick up my laptop and they tried giving it to me without a charger. I had already signed the receipt because on the very top was a charger but it was not the one that went to my laptop. The charging port was wobbly and loose. I told them that I was not taking it until I had my charger. They literally went around the store trying to find me a charger to fit my laptop which NONE did! The manager XXXX at that store told me he would just have to order me a new charger and to give him until the following Saturday which would have been on XX/XX/XXXX. I went to pick up on XX/XX/XXXX and there was no laptop, no charger and one seem to know where the laptop was. They all went and spoke away from me and told me to call service that they had the laptop. At my arrival at home I called the service number and spoke to an employee who advised me that the work order had been opened on XX/XX/XXXX and that the laptop was still at the store. She double checked in the back and then proceeded to call the store who then told her they did not have the laptop. At this point today ... XX/XX/XXXX I have no laptop and because my side business required me to have a laptop I have since been termed from my business as well. I continue to receive 5,6, and even 7 calls or more a day. I have advised multiple reps to read their notes and that I had let them know- I have no PRODUCT why should I pay for it. On top of all of this I am getting daily financing as well on the account.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

2 years ago we placed a freeze on our credit with the three agencies ( Transunion, XXXX XXXX XXXX ).  Since then we have lifted the freeze for a short window with XXXX XXXX XXXX. Yesterday we were asked by our bank to lift the freeze with Transunion. We called and spoke to Transunion and they said the freeze was lifted until the following Friday at XXXX. The charged our credit card their required fee. 

The bank still could not get a report. Transunion kept asking them for OUR pin number. We called Transunion again and they said we would have to pay again to have it lifted. Not wanting to jeopardize the load we again paid and have credit card receipts showing the 2 payments. The bank was still unsuccessful in getting a credit report even using our pin numbers. 

These are the people that we entrust with our most personnel information and they demonstrate incompetence. It will be too late for us, but please stop this from happening to anyone else.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I refinanced XX/XX/XXXX. XX/XX/XXXX company transferred loan. XX/XX/XXXX requested to remove PMI insurance. Mortgage company told me I have to pay {$460.00} for an appraisal. I did. XX/XX/XXXX appraisar arrived we told him we remodeled bathroom he put this in appraisal. We told him we added central air and heat he did not add this in appraisal report. We told him we upgraded plumbing to copper he did not add this in appraisal report. The house directly next to us sold XX/XX/XXXX appraiser did not include this house in comps and it sold highest in neighborhood {$590000.00}. I asked mortgage company to request revision they refused. They told me my loan has to be 2 years and they are not counting origination date. Mortgage company told me Ltv has to be 80.59 % and I came in at 80.45 %.
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (NH)

Vehicle was purchased in XX/XX/XXXX and financed through Exeter Financial, by XX/XX/XXXX we were behind a few payments and made payment arrangements. Company charged off account while in the middle of paying and refused to work with us to cancel the repossession order. Company did not provide us with appropriate notice as outlined by law. Under the laws of the State of New Hampshire UCC 382-A:1-202, 382-A:2-706 and New Hampshire RISA and MVISA statues a deficiency can not  be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. This situation has hurt us financially and has impacted our credit beyond measure. While we believe we have grounds to collect for damages we are willing to overlook that if the company removes the deficiency balance and charge off from our credit reports as requested. We have attempted to communicate with the company several times but they refuse to furnish the proof of legal repossession.
Consumer complaint received 2020-07-15
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. (MI)

I filed a complaint thru the CFPB to XXXX XXXX more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as  explain by XXXX in their letter. 
XXXX XXXX did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX XXXX it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/XXXX  your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/XXXX did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/XXXX you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/XXXX  I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/XXXX  to court for reimbursement right? 
The question I have sent again is for XXXX  and XXXX  to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.
Consumer complaint received 2021-10-26
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: Regional Management Corporation (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} Regional Finance XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (FL)

This company is reporting to my credit as a rental and I have been getting denial back to back because of it I have never live at this rental place they have on my record at all and I have told them that I have report this account to the FTC and i have send out a letter to them requesting verification and haven't received anything at all and it been past 30 days
Consumer complaint received 2018-07-28
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: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX XXXX declined credit based on bankruptcy information being reported by Navy Federal. The bankruptcy was discharged in XX/XX/XXXX. 
I requested Navy Federal remove this information and they refused.

( The information from Navy Federal shows as 'Reaffirmation ' of a vehicle loan that was never delinquent and was paid in full/on time in XXXX under the original loan terms. ) Personnel at XXXX and XXXX advise that the 'Reaffirmation ' notation should have been removed by Navy Federal because it was signed in XX/XX/XXXX and clearly indicates information that was purged in XXXX. 
XXXX and personnel at XXXX, XXXX and XXXX advise that Navy Federal is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation ' is always indicative of a bankruptcy ; in this case, a bankruptcy that should have been removed from all direct and tangential references since XX/XX/XXXX. 

Here is the information from Navy Federal : Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. Navy Federal records indicate that the loan account ending XXXX for the XXXX XXXX was reaffirmed during the bankruptcy process, and was paid/closed on XX/XX/XXXX. Please be advised that we are unable to remove legitimate account information from your credit report, as these details constitute your credit history and we are required to comply with federal regulations. Valid credit records may not be altered. Therefore, we are unable to grant your request. We regret that we could not provide you with a more favorable response.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various nelnet loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.