davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have contacted Midland Funding LLC in regards to an account listed on my credit report that I do not recognize. They are reporting to the  XXXX  major credit bureaus on behalf of  XXXX  Bank. I have asked Midland to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with  XXXX  Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent o nly 1 letter s aying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.
Consumer complaint received 2017-06-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (IL)

Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised  XXXX  to not contact me again by phone and to refer all inquires to my attorney.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

I ordered a Chime card in XXXX of XXXX which came in the mail a week or so later with a ore- printed form for Direct Deposit into my Chime Account. I gave this information to my employer in XX/XX/XXXX but never received my {$500.00} which was to be available on XX/XX/XXXX. I contacted Chime by phone on XX/XX/XXXX to find out the status of my Direct Deposit. They informed me that the pre-printed form I was mailed had the wrong Routing Number printed on it. Chime then gave me a New Routing Number with the same account number that was listed on the form they provided me with my Chime Card. I corrected the information with my Employer and received my next weeks pay via Direct Deposit on XX/XX/XXXX on my Chime Card. Chime told me the Direct Deposit for my previous weeks pay of {$500.00} would be kicked back to my Employer but until this happened, Chime could not deposit the previous weeks pay. I contacted my Employer and informed them of the information Chime gave me on or about XX/XX/XXXX. To date my previous weeks pay was never kicked back to my Employer. I contacted Chime to let them know the money was never returned to my Employers Account. They were insisting that the money would be returned and they would do nothing until then. I never received my {$500.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NY)

I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX XXXX
Consumer complaint received 2022-09-09
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. (FL)

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debt collector has never provided me with documents from the original creditor showing that this debt belongs to me. Obviously, there is no paperwork to support that this debt belongs to me and therefore it must be removed from my credit report. Further more the debt collector has reported that this is a new debt opened XXXX. The same account showed up on my credit XXXX years ago and the collection agency could not prove this debt belongs to me so it was deleted. It reached the statute of limitations. Account status is open and open balance of XXXX. Please remove this account in accordance to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., You must report accurate and complete information.
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AL)

THIS IS NOT A DUPLICATE COMPLAINT. THIS MATTER REMAINS UNRESOLVED One Main financial continues to report inaccuracies on my credit report which is a direct violation of the Fair Credit Reporting act. One Main has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A, section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX ) states no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681XXXX XXXX XXXX XXXX ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666b A creditor may not treat a payment on an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Manhattan Beach Venture, LLC (IA)

I received a call from a  XXXX   XXXX  at the number  XXXX   XXXX   XXXX   XXXX  asking for personal information such as my social security number for loan forgiveness programs. After already giving him access to my  XXXX  account, I abruptly ended the call once he asked for my social security number. I am now worried that they have access to my account, even after I changed my password. This happened today,  XXXX / XXXX / 2017 .
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I have a business checking account with Chase Bank, and about 20 days ago they've closed our account and promised to send Cheque within 10 days after account closed. In last week, we send some merchant statements to Chase branch Manager and Ive never heard back from anyone yet. 

They holding XXXX USD total and they killing our business down to earth. If i had chance, i would burn XXXX XXXX into XXXX.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION IS REPORTING XXXX/XXXX  MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX/XXXX  IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX  XXXX  IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

XX/XX/XXXX - XX/XX/XXXX - BSI tried to foreclose on my loan after they refused to give me a loan modification. After the foreclosure failed, they attempted to force me into a Short Sale. I refused the Short Sale and asked for a reinstatement of the loan. I had all of the back payments because BSI refused to accept my payments from  XX/XX/XXXX -  XX/XX/XXXX .
<P/>
 XX/XX/XXXX - I was sent a re-reinstatement letter and breakdown of the fees associated with the full reinstatement of the loan. I was sent a confirmation that all fees have been identified and listed.
<P/>
 XX/XX/XXXX - Paid the reinstatement amount {$13000.00}.
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 XX/XX/XXXX - Paid first payment after reinstatement. Noticed late fees in the amount of {$680.00}. Asked for an explanation of the late fees since I had just paid all fees up to date in the reinstatement agreement. Have yet to get a reply of why there are fees.
<P/>
I have continued to make the payments without the late fees to keep my loan paid on time. I 'm looking for a resolve to this matter to explain why the charges exist? That they be removed? That the negative reporting to the credit bureau be removed because my loan was late due to the process of the loan modification, short sale and subsequent reinstatement of the loan.
Consumer complaint received 2017-06-16
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: EQUIFAX, INC. (FL)

I 'm filling a complaint against  XXXX  credit bureau  XXXX ,  XXXX , and Equifax. I checked my credit at  XXXX    XXXX   which send me an alert that my credit score has changed. I checked my credit score on  XXXX   XXXX . My credit score had fallen very low from going  XXXX  to  XXXX   (   XXXX   ),   XXXX  to  XXXX   ( Equifax ) "  I was Mad ''. They are going old information that been remove d. One I do n't have a Bankruptcy. Second I do n't have a Tax Lien. I want all information re move " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Our mortgage was transferred from  GreenTree to DiTech Financial i n   XX/XX/XXXX   and was paid in full on   XX/XX/XXXX .  As per  DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h  XX/XX/XXXX . Inter est per day was quoted as {$2.00}.  DiTech received a check on  XX/XX/XXXX  for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping.    Ditech mailed  an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n  XX/XX/XXXX  to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls  on  XX/XX/XXXX ,     XX/XX/XXXX  and  XX/XX/XXXX .    O n  XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated  XX/XX/XXXX  stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on  XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact (  XXXX  )  XXXX . As such, I made more calls on   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

My old boyfriend got in my bank account and took money out of  XXXX    XXXX   when he was here. He saw my password to my bank. Did not know it at the time. He took  XXXX  out that I never had in there and ran with it!
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (SC)

My oldest daughter just refinanced roughly {$60000.00} student loan debt with SoFi. My daughter provided all documentation SoFi asked for ( most recent statements of loans to be refinanced, etc ) and I co-signed the loan. SoFi apparently did not ask my daughter for payoff statements of loans to be refinanced, and apparently did n't acquire authorization from my daughter to request payoff statements themselves. SoFi calculated the " payoff '' amounts themselves. As a result, one of her loans was underfunded by nearly {$3000.00} and now we are left holding the bag, scrambling to come up with the money or secure additional financing. I spoke with several levels of agents at SoFi who acknowledged they under-fund loan payoffs regularly, arrogantly asserted that my daughter should have known to request a payoff, and reported they are happy to add the additional money due to her new loan with SoFi. <P/>Are n't there laws requiring a student loan lender, as the knowledgeable party, to request payoff quotes from companies they are paying off ( whether requested from borrower, or authorization is obtained to acquire payoff quote themselves )? If not, I hope you will lobby for regulations to be put in place requiring lenders to  obtain accurate payoffs when refinancing debt.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (OR)

I was told by a Linebarger Goggan Blair & Sampson, LLP consultant that i had to pay {$200.00} to lift my hold to recieve my licence then to make a $ 50 monthly payment, in whixh i made one payment, to keep the hold off and that they were gon na fax something to the dmv to lift the hold. I found out today that that was not the case by calling XXXX justice court and the dmv. 
Conversation should be of been recorded.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MA)

Complaint is about Targe t Card Services. I moved in 2015 at  which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense  because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2018 I received an updated copy of my Experian Credit File. Several accounts that I disputed where deleted from my Experian Credit File. There are still some accounts that remain that are not my accounts. Each time that I contact Experian to investigate the remaining accounts that send my letters stating that they can not accommodate my request. I need these accounts removed. If Experian ins going to continue to deny me a new investigation how am I ever to fix my credit report? I do not feel that Experian has the right to deny me an investigation when the information is truly not mines or inaccurate or fraudulent.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (UT)

So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

We have received another scam letter fro m Hunter Warfield, claimin g they are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (PA)

There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. Experian Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo is not disclosing my pay information to   XXXX   in a timely manner.   XXXX   needs to receive notice that I was paid before it allows me to withdraw funds on a current pay period. Repeatedly, this has not happened until 4 or 5 days after I received my paycheck direct deposit.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (NJ)

This has been an ongoing problem with  Provident fund ing. When I bought my house  in  XX/XX/XXXX  Provident covered  my first and second mortgage. They sold my first mortgage to another company and kept my second mortgage. Not known to me the second mortgage instead of being a 30 year fixed is a balloon payment after 15 years. That time is rapidly approaching and after numerous attempts to refinance the second as I will in no way be able to make the balloon payment in 45 mont hs they keep rejecting me. Provident claims  since they do n't have my first mortgage they ca n't refinance. They are the ones who sold my first mortgage. They keep saying basically there is nothing they an do and wo n't work with me. I got them to admit that I have to either default on payments or wait until I owe al most  XXXX  in  XX/XX/XXXX  and default th en and they will work with me. My payment is {$240.00} per month currently a nd  XXXX  in one lump sum  will be impossible. This last attempt was what they call a modification so I can be ahead of the balloon default. They just rejected me basically saying I am current on payments so I ca n't be helped and they do n't refinance second mortgages. Why is it that they can force me to default as my only option when a refinance would satisfy both parties. They sold my first mortgage creating this problem in the first place. I have been dealing with this for over a year now. Defaulting is a ridiculous proposal since it will hurt my credit badly. My  credit score is a  XXXX  and I  have been a customer of their s since  XX/XX/XXXX . thanks in advan ce for your help.