davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc. (NC)

Plastiq refunded XXXX transactions of {$490.00} on XX/XX/XXXX. Each refund should have been for {$500.00} ; they forgot to refund the {$4.00} fee, so I've only been refunded {$490.00} on each transaction. I reached out to the chat support on XX/XX/XXXX, followed up once a couple weeks later, but I have since received no reply. I'm submitting this complaint because they seem to have forgotten the issue. The payment Ids are below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Bank of America and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Bank of America has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio {$2500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. 

The bill they sent me was Bill due date XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Where is the info for XXXX? 

XX/XX/XXXX Balance {$2500.00} XXXX XXXX ) XX/XX/XXXX Balance XXXX ( XXXX ) XX/XX/XXXX Balance {$2100.00} XXXX XXXX ) which shows it was charged off for {$2100.00} Why are they attempting to collect a debt for {$2500.00} when it shows it was charged off on XX/XX/XXXX for {$2100.00} Date opened they stated is XX/XX/XXXX but the account was provided a bill for XX/XX/XXXX with a charge off of {$2100.00}. I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

Portfolio {$1500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. The bill they sent me was Bill due date XX/XX/XXXX ( XXXX ) {$1100.00} Where are the bills for dates of XXXX? Where is the Final bill showing the Charge off? Why does the bills jump to Bill Due Date XX/XX/XXXX ( XXXX ) {$1400.00} Bill Due Date XX/XX/XXXX ( XXXX ) {$1500.00} How does a balance {$1100.00} on XX/XX/XXXX go to {$1500.00} on XX/XX/XXXX. Date opened they stated is XX/XX/XXXX but I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

This debt is not mine and does not belong to me
Consumer complaint received 2015-07-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (WA)

I was decieved by Franklin American Mortgage company. They gave us terms that were really good on the actual principal and interest to draw us in to choose them, but were n't forthcoming and transparent about how they configured Escrow as required by the Dodd-Frank act of Tila ( 2014 ). They were quite aware of my financial situation, but ignored it. When I complained about them deceiving us, they ignored me again. Because of this, I will lose my credit and my home. 

What Franklin American claims is that Escrow is simply taxes ( $ XXXX + insurance {$640.00} ) and for me this is approximately $ XXXX. Now, suddenly as we approach the XXXX year they say we owe them another {$2300.00}. We have put {$4900.00} into Escrow and now they want to increase our payments another $ XXXX. 

This is pure deception and violates the Dodd-Frank act, for if we had known that we were not paying 5 % on our loan, but 20 % monthly ( which is what it computes to approximately ) we would never have got involved with Franklin American. They lied to us from the outset and we want this issue resolved. They are in gross violation of the Dodd-Frank act!!!
Consumer complaint received 2018-05-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Was diagnosed with XXXX during the 4th year of XXXX school. Had to get treatment. Could not repay loan during this time. No assistance was offered from the lender regarding interest rate reduction or deferment. The lender only offered to charge interest-only ( $ XXXX/month ) for a year. Interest accrued at a high rate, effectively doubling the total cost of the loan.
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (KY)

I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.
Consumer complaint received 2016-01-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC (CA)

They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

On XX/XX/XXXX this account was added to my credit file. I disputed the account as it was not ratified by me nor could the creditor prove the debt was valid. I sent a certified letter asking for proof of ORIGINAL signatures and validation of the alleged debt, and was not provided with the information requested. Because they could not provide proof and validation, the debt was removed and the account closed. 

On XX/XX/XXXX, this account has been reopened. Even AFTER failure to provide proof and validation of the alleged debt with my original signatures. 

They harass my phone line every hour, of every day calling from spoofed numbers. 

This account is not valid and should be closed and STAY closed. I will press charges with this company as much as the court will allow if the account is not removed from all credit files within 30 days and, or if this account is sold to another creditor, and if they don't stop collection efforts.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (TN)

I paid this bill about 2 years ago and it is showing on my XXXX file that it is still in collections and my XXXX file is correct showing that I paid it and is off my file. I tried calling revenue recovery to explain the situation, but they said that it is closed and that I would have to call XXXX to clear it with them. I called XXXX and they are asking me security questions that I have no idea about so they ca n't do anything for me but to fax a copy of my id and social security card and to explain the situation. I 've been having to deal with this for awhile now.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Arnold Scott Harris, P.C. (VA)

On  XXXX   XXXX ,  2017  and the past week we have been receiving a voicemail messa ge from Arnold Scott Harris PC from the phone numb  er (   XXXX   )   XXXX . The voicemail message indicates that the firm is attempting to collect a debt. Our family has never lived or travel to  XXXX , Illinois. According to the website  XXXX  this is a scam.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FORD MOTOR CREDIT CO. (MI)

This account with FMC-OMAHA SERVICE CT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account
Consumer complaint received 2016-08-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

Ocwen has been working with us to perform a loan modification per the HARP program. Recent policy changes has delayed the process. I recently began a loan modification b/c the loan to home value is upside down due to the market crash which means I could not refinance. Also, I have not lived in the home for over 6 years and I need to remove my name to buy my own property. Included, we discussed my separation from my wife which means I no longer live in the home. They began the process by trying to modify the loan and removing my name from the loan so I can move on and buy a home on my own. I was told that it was possible and I would need to submit a certain list of paperwork. Since the beginning, the list changed. The last change required a quit claim deed to remove me from the deed and then loan. After going through the difficult process of getting my ex-wife to agree to start the paperwork and the grueling time and effort it took to get the claim through the county clerk, I was told that the policy changed and they can no longer assist me with out submitting another document which includes a finalized divorce decree. Per the manager, this may not guarantee anything. Their only concern has always been to get our payments up to date. I feel like I have been given the run around, no concern for my needs and a total disregard to the government program that is in place to help people in my situation. Corresponding with the representatives is difficult if you are not used to the language barriers. You can never reach or get a response by the same representative. Policies change which prevent progress on actions being taken. Documents needed always change or the list is always incomplete. Takes weeks/months to accomplish anything and by that time, a policy changes that conveniently keeps actions/requests from being completed as desired by the customer.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (NY)

Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card XXXX weeks later which I immediately closed. This is of concern only because it will be reflect on my credit report.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion. is reporting that XXXX XXXX is reporting I'm late on XXXX credit cards on my credit report XXXX month after the cards was closed. I've sick for XXXX months so due to that was unable to work for that time frame. In XXXX XXXX XXXX decided to closed XXXX of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. I try to work with them and they are not helpful.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-07-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In response to my complaint, case # XXXX, Bank of America responded with the statement " In regards to your monthly statements, the section labeled " current payment due '' demonstrates the currently monthly charges without late fees ''. This is false. Please have Bank of America explain to me how they came up with the amount {$1200.00} under " current payment due '' in the statement period XXXX/XXXX/2016 - XXXX/XXXX/2016 without including any late fee.
Consumer complaint received 2024-01-26
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (MN)

On XX/XX/, chime paid a bill for {$130.00} from my credit card to XXXX XXXX XXXX. I no longer had a subscription to them, it had been cancelled on XX/XX/2023. I called XXXX XXXX XXXX  to return the amt. and they stated that they never received it and to call my bank. I went to XXXX to pull up the number for chime.com and the website came up with two numbers, I called the first one listed, and a foreign man answered, ( all of the associates on chime are foreign. ) He asked how he could help, I explained the situation and he said he could return the money back to my credit card, he then instructed me to open an app called anydesk and read to him the code. He then instructed me to open up my chime app. and go to pay and receive money from anyone. He had me hold while he spoke with his supervisor to get the code. He came back and instructed me to type in ; XXXX with the code {$900.00} then hit pay, I told him I wasn't paying anyone, I was asking for my credit card to be refunded. He said, yes, yes, yes, he understood. So in the comment area, I wrote, for a refund of {$130.00}. So he then he told me to submit and close the app and hang on until he gets back to me that it was completed. I waited for 30 minutes and opened the chime app and a message came across telling me that my transfer was successfully completed for {$900.00} to XXXX XXXX. I called the bank and was informed that I was scammed. I needed to file a dispute, I have filed 3 disputes and all of them were rejected and I'm not allowed to file any more, that they claim it was my fault. They were only supposed to be in my credit card, the {$900.00} was taken from my checking account. Now they have blocked my use of the app and hand up on me when I call. I have an active checking account and credit card. Please help get my money back. I did not knowingly authorize this money to be taken from my checking account. It broke me for the rest of XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Harbor Front Acquisitions LLC (Closed) (AZ)

Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Zenith Financial Network Inc (CO)

called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

I am an independent XXXX. During the beginning of COVID, many of my clients were afraid to come out of their homes to my office. I was severely impacted due to COVID. I am a XXXX. My boss was holding my pay as well as my colleagues pay. My clients were not coming in and My income dropped down to less than XXXX a week. I was borrowing money from everyone to help me pay my mortgage. Select portfolio servicing had forbearance programs and I completed each one. I was still in a financial struggle because I could not find a job paying me enough money. I paid my forbearance up until XX/XX/2021. Select portfolio services said I could apply again but asked for so many documents, in which I gave them, they were giving me a hard time. I have constantly kept in touch with SPS but they refused to help me with a mortgage deferral program. I have lived in my home for XXXX  years and want to keep my home. I am working small hours but am looking for work aggressively> Please help. I started gong through the issues XXXX. But I was in forbearance plans and kept each one not missing any. I was told by my homeowners that a collection law firm has my mortgage. I was not notified by my mortgage company and I don't know what to do.