davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have communicated with XXXX XXXX over the years, and have provided them with proof of the Chapter XXXX discharge paperwork on several occasions. The debt owed to XXXX XXXX was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy under XXXX XXXX. It was timeshare that was paid off but they continue charging fees. I have not heard from them in over 10 years. Today, I received a harassing call from Sunrise Credit Services, # XXXX, on behalf of monies owed to XXXX XXXX. I informed the agent it was discharged in XX/XX/XXXX in a Chapter XXXX. She demanded the information ; however, I had to call back since I was driving. I called Sunrise Credit Services back the same day and XXXX XXXX answered. I explained it was discharged in a Chapter XXXX in XX/XX/XXXX but before I could provide the case number she states : It doesn't matter why we are calling, you paid on this back in XX/XX/XXXX. Before I could provide the Bankruptcy Case number : XXXX filed in XXXX, GA she yells : " Call back with a better attitude '' then hangs the phone up in my face. Upon calling back I spoke to XXXX XXXX again. She stated that since I filed in XX/XX/XXXX and made a payment in XX/XX/XXXX they did not need the bankruptcy information because the monies were still owed. I explained that I was not aware of a payment in XX/XX/XXXX and asked how much. She would not provide me with the information, but stated that the {$6000.00} will not go away. She hung up again. I am being harassed by this company, and specifically by employee XXXX XXXX who refused to take down any information with regards to the Chapter XXXX filing and discharge in XX/XX/XXXX.
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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

IVE CONTACTED CAPITAL ONE BANK INXX/XX/XXXX AND SEVERAL TIMES AFTER ABOUT A FRAUD APPLICATION THAT WAS PROCESSED BACK IN XX/XX/XXXXTHEY VE TOLD ME THAT THE APPLICATION WAS CLOSED AND THE INQUIRY WAS PROCESSED FOR REMOVAL FROM XXXX  AND XXXX  WITHIN 90 DAYS APON CHECKING ITS STILL SHOWING ON BOTH CREDIT REPORTS EVEN AFTER SENDING ME DOCUMENTATION THAT IT WAS FRAUD. THIS IS AFFECTING MY CREDIT AND CAPITAL ONE ISN'T DOING ANYTHING TO REMOVE IT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (FL)

I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

Holder of Mortgage : Loancare , LLC NMLS ID XXXX I have been requesting the ORIGINAL Documents ( Stock and Lease ) for us to schedule a Closing date, as we have a buyer for our apartment. Our initial request date was around XX/XX/2020. 

Since then, we have yet to receive the information. I have been calling on a regular basis and have been given the wrong information. Some of their Representatives dont even know what Im asking for. I was told it was sent out but it never was. 

Below is a small list of your Representativeswho will be included in complaint : They had no idea what I was talking about They lied and said information was sent out They asked how to spell " affidavit '' ( clearly not the smartest ) They said they would call and follow up - never did XXXX XXXX - ID # XXXX XXXX - ID XXXX XXXX  - ID XXXX  XXXX - ID # XXXX XXXX - ID # XXXX Ms XXXX XXXX XXXX XXXX XXXX, Arizona ) Ms XXXX XXXX - ID # XXXX XXXX - ID XXXX Ms XXXX ( Supervisor ) ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX, XXXX, XXXX, XXXX, XXXX Shame on me for not getting their ID numbers but this was in the beginning of me trusting Loancare would supply me with requested documents on a timely manner The latest phone call was with Supervisor XXXX in XXXX ID # XXXX, actually dismissed me and hung up. Stating that they are working on my finding our documents. 
No definite response, no follow up email for me to forward to lawyer. No direct information for their lawyers. 

I dont know where else to turn and would appreciate any help that can be offered
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist. 

If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Navient had added late fees to my account, dating back, supposedly, from XXXX. Each month a bill was sent, there were no fees and I paid what my bill stated. I paid on time, and then suddenly I had late fees on my account. I looked back over my entire payment history, and a late fee from XXXX had been paid, but somehow was assessed. There had been no other late fees after that. I raised my concern with a customer service rep, and when she said she could not help, I asked to speak with a supervisor. The supervisor never picked up my call, and instead left the customer service rep to deal with my complaint. I asked multiple times to speak with a supervisor, and after each request she went to try and reach her supervisor. The supervisor never took my call.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

On XX/XX/2020, I cancelled my plan because my monthly bill kept rising significantly ( example : first month {$80.00} next month {$160.00} ) every month so I switched companies. I was told there was no cancellation fee I did not owe anything. 
On XX/XX/XXXX, I became to receive calls from a Collection Company saying I owed money without notice. They would not give me a debt validation and so I called the original creditor to which they stated that I was accidentally charged a cancellation fee and that they would launch an investigation on why I was charged a final bill even though I paid off the account. 
A few weeks later on XX/XX/XXXX, I received a notification from XXXX that everything was accurate even though it was not. I called the creditor ( XXXX XXXX ) only to be told that they cancelled the investigation and there was nothing they could do. 
However, on the XXXX I received a letter in the mail about a security breach on XX/XX/2020 ( same time the case opened for the collection account ) to which it was stated that there was unauthorized access to files and there was a file that contained my name and social security number.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (OR)

My issue has to do with an existing mortgage, but the categories available doesnt fit my issue. I am setting up a revocable living trust and reached out to our mortgage company ( Home Point Financial Corporation ) on XX/XX/21 to inquire if a due on sale clause will be invoked should I transfer title of the deed to our home to our names as trustees of the trust. I also informed the supervisor that do not wish to make any changes to whom is responsible for the loan itself. Our individual names will still be on the loan and the trust will not be listed as the payor of the mortgage. We spoke to a supervisor who was unable to answer our question so we requested to speak to someone in the legal department to see if they had the answer. Home Point refused to transfer us to the legal department and in addition refused to provide an answer over the phone or in writing. I believe this is a common situation that should be easily answered in writing, but they refused to do so and would not give us a legitimate answer on why they would not provide it in writing. I also know that it is illegal to invoke a due on sale if I transfer the title of the deed to our home to the trust, but they refuse to acknowledge that fact.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a { {$400.00} } bonus if I maintain { {$15000.00} } for 60 days, and an additional { {$100.00} } if I receive a direct deposit during those 60 days. I have completed both tasks in the specified amount of time but have yet to receive my combined { {$500.00} } bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. This has been the promise during multiple calls. No other stipulations were described in the terms and conditions of the offer and I followed the directions of the offer and completed the required tasks as mentioned above. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist? Thank you very much for your time.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NM)

I started an application through chase for a refinance, they collected {$500.00} up front fee. to start the process. they never told me it was not refundable but would be applied to closing costs or appraisal they got my fee to start refinance the process started and I got very little response and they would not return my e-mail or correspond back to me for weeks. The process was months, they told me that they were sorry and that they were so busy. They would not refund my money back to me and told me it was for closing costs and appraisal fee even though there was no appraisal or did not close. I felt bullied throughout the process and felt like I was taken advantage off. That kind of money puts me in a hardship and they would not give it back.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

I have requested the following information from the company that is claiming to own a debt that I never agreed upon with them as a creditor : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I did have a car loan with HONOR Finance  that was paid as agreed from XX/XX/XXXX - XX/XX/XXXX. Westlake is reporting that I opened an account with them in XXXX of XXXX ( to my Credit Report ) and that there is a date of last activity in XX/XX/XXXX. There has never been any activity with Westlake Financial and an account was not opened with them in XXXX of XXXX. 
The company is stating that a repossession occurred with their organization based on a loan that I agreed to pay with them which is simply not true. The above requested information in regards to said repossession has NOT been provided to me. I have also requested the signed Retail Loan Agreement stating Westlake as my lender.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

Credit Control Corporations have reported 3 of the same debts to my credit report . The company is XXXX XXXX XXXX XXXX . On my credit report it shows 3 of the same amount bills which is the same exact bill multiple times . On XX/XX/2019 they reported twice for $XXXX  . And also again on XX/XX/2019 . They also did it again for another debt of $XXXX. Also both of these were on XX/XX/2019 . I think they have reported he same debt multiple times and it is lowering my credit score .
Consumer complaint received 2017-12-21
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: Experian Information Solutions Inc. (NY)

Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I've been investing in XXXX since 2016 through Coinbase. As of XX/XX/XXXX I was unable to get into my account or even use the app at all. They have a message that says they closed my account but gave me zero warning. After submitting complaints they send me a automated mess that says in can withdraw my money, $ XXXX, but the app doesn't work and the website only gives me the option to close account. I want my hard earned money and their business practices are obviously legal. I've tried to be civil about this. All I want is my money. Please help.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

IC System has placed a wrongful derogatory mark on my credit account based on fraudulently charged fees on an already closed cable account. The original alleged debt came from XXXX XXXX XXXX. All equipment was returned in person and services stopped on the last day of then-current billing cycle. XXXX XXXX XXXX continued to bill me despite the account being closed and in turn sold the incorrect debt, which has been sold now several times over. I have successfully removed this debt from my credit several times in the past already, but it continues to come back as it continues to be fraudulently sold when the owner knows full well it is a debt I do not owe.
Consumer complaint received 2021-02-06
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. (MI)

This is outrageous! I've continiously reached out to Transunion and XXXX about accounts, inquires, addresses, phone numbers, and more that I belive do not belong to me. They've shown me no proof, no signed documents, no response, nothing! These credit companies are not even complying with their own policies withen a timely matter. I take my report very serious and this dilemma has held me back from important opportunities.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or Transunion. 
I have reached out to XXXX and XXXX XXXX. XXXX and Transunion are unreachable. When I use my information to create an account it does not work.
Consumer complaint received 2023-08-16
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. (TX)

XX/XX/XXXX I would like to file a complaint against Equifax A few months ago, I learned from XXXX lenders, and an insurance agent, I learned that Equifax in XXXX, XXXX, and XXXX of XXXX, Equifax had gone through my whole credit file, re-aged all old negative accounts from XX/XX/XXXX, to now show as if I have new XXXX collections, past dues, and charged off accounts. 

Unjustifiably they have continued to continually lower my credit score, all the way to the low XXXX. They are intentionally not updating and following my true financial credit information, what they are reporting is falsehoods, and lies instead On my credit file, Nebraska XXXX who I have had nothing to do with since XXXX of XXXX, 4 years ago. 
Equifax allows them to report false fraudulent past due amounts, and fraudulent monthly past due payments onto my credit file. 

Every year including XXXX, Nebraska makes it seem as though I owe them recent past due monthly payments, and a balance, which is a lie. 


In XX/XX/XXXX, I had filed another complaint with the CFPB against XXXX Bank, and its collection cohorts, I have had nothing to do with any of the above for over 4 years, yet they always retaliate and re-age and lie and place false status information onto my credit files. 

And they find someone at the credit bureaus it seems, like someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX, XXXX and XXXX of XXXX. 
This was done intentionally and in collusion to cause irreparable damage. 

I have attached a recent denial letter from XXXX card services, and all of the reasons that I was denied credit for, due to the unjustifiable, untrue information that Equifax is providing to creditors, is inexcusable. 
For years Equifax has carelessly not been updating my credit file accurately, and they will report anything that will have me denied credit, as well as keep my credit score at a FAILING level.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I sent a certified letter to Experian disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Experian received my letter on XX/XX/XXXX.

On XX/XX/XXXX I reviewed my Experian credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, XXXX XXXX of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to Experian again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

Experian received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that Experian has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.