davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delmarva Collections, Inc. (AZ)

At first contact from " Delmarva Collections '' in XX/XX/XXXX, I instructed this company : to NOT contact me again, since this " DEBT '', is not mine. Check their " RECORDINGS '' of our conservation on this matter. 
Another one ( 1 ) ring phone call occurred in XX/XX/XXXX. 
Today, XX/XX/XXXX, @ XXXX, the second phone call on the year occurred. From XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax Information Services LLC and XXXX  XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with Equifax and XXXX  several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (ND)

I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well. 

On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX  year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number. 

In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.
Consumer complaint received 2020-08-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (PA)

Ally Financial has called me three times already on this phone ( I just got it in XXXX ). They call about contacting my sister about her auto loan. They were told that my number is not hers and that they need to be calling her instead. Im on the do not call list too ....
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  XXXX XXXX XXXX and TransUnion XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with XXXX  and TransUnion several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Credit Bureau, Inc. (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame to collect.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Due to the CARES ACT, my loan servicer offered forbearance options, however the law instructed mortgage Servicer 's to suspend reporting past due payments to credit bureaus for COVID specific forbearances. 

Showing my loan in forbearance on my credit report, is in fact reporting my payments are past due.

SLS has reported Account in Forbearance to credit bureaus. This was misleading to me, the consumer when offered. Its important to have all the information as a consumer upfront to make the best decisions for my situation.

This account status is affecting my ability to secure additional funding. To creditors, it appears I am in fact past due There is nothing that distinguishes me being affected by COVID in a forbearance to a normal or customary forbearance plan.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (VA)

Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. 


Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. 

I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. 

Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. 

NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 
2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 
3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 
4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 
5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. 


I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. 


I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. 

No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. 

Please inform me as to your actions regarding this urgent matter. 

XXXX XXXX Same Cell Phone # XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (NC)

I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-23
Product: Credit reporting 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)

The following information keeps getting sold to new collection companies and never drops off my report. I've asked for proof that I actually owned the account and nothing was ever sent back to me. After I initially started asking the debt kept getting sold on to new collection companies. Even if it was my debt, it's been over seven years and would have dropped off. However, it's in a cycle of never going away and damaging my credit. The dates listed next to each account is when it was sold to the new company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with XXXX XXXX XXXX. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void. 

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are several things wrong with my Transunion Credit Report and I have tried on several occasions to correct them to no avail!! 

Incorrect addresses on my report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX There are accounts on my report that are not mine ; fraudulent accounts and I have disputed these several times and asked for validation/verification, but nothing is done. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$640.00} Opened XX/XX/XXXX *Collection Account* XXXX XXXX XXXX {$6000.00} Opened XX/XX/XXXX original account XXXX XXXX XXXX XXXX XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}
Consumer complaint received 2024-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (MI)

On XX/XX/24, I submitted a request to my Mortgage lending institution LoanCare / XXXX XXXX XXXX, requesting that my escrow account be remove off of the VA loan mortgage. Because of the following reason. Since this loan servicer has handle our mortgage account there has been numerous mistakes made when applying payments from our escrow. 1 ) Informing the servicer a change in the insurance company and payments for a year has been paid in full to the new insurance company and do not pay the old insurance nor pay the new insurance company. 2 ) Request in writing a copy of the Law and/or the Servicer policy and/or procedure that state the reason why my request for removal of escrow account from the VA mortgage contract is denied ; when my husband is exempt for taxes and we have paid our insurance in advance for the whole year to get better rate discount if paid early. ( They will not send me this information. Only a letter on their stationary stating that they denied my request and their reason, but not the Law and/or the policy and/or procedure to reflect the denial in writing ). Nor will they honor my request for removal. Please see attached letter to Servicers.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have contacted Mr. Cooper seven times, talking to multiple people, spending hours on the phone and each time my request is escalated to a department that would ultimately handle my concern. Rinse and repeat each time because my concern does not get handled and I never hear back from anyone. 

Mr. Cooper shows that I have an arrearage amount owed and all I need to know is what the arrearage is made up of. Its not missed mortgage payments or escrow balances because my payment records reconcile with Mr. Cooper payment records ; yet no one can tell me what the arrearage is regarding. Seems simple enough but good luck trying to get an answer. As of today, I have mailed a letter to the CEO and SVP of Mr. Cooper regarding my concerns. Here are the dates, times, and names of people I have talked with. 

XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper. She shows that we are current and up to date and only owing XXXX mortgage payment. She will resend info to escalation team. 
XX/XX/XXXX - spoke with XXXX from Mr. Cooper and states that only balanced owed is current month, XXXX mortgage payment. I asked to be transferred to the escalation team and spoke with XXXX ( sp? ), she said she does not know why we are being asked about this past due balance because she shows that payments made to Mr. Cooper took care of that past due balance. She will send info to research team and get back with me. 
XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper and states that only balance owed is current month, XX/XX/2021 and could not assist. She transferred me to an escalation team and she transferred me to XXXX  ( sp? ) who said the same thing and would send my info to a research team. 
XX/XX/XXXX - spoke with XXXX from Arizona. Reviewed my information, could not figure it out and ended up transferring me again to an escalation team. Transferred me to XXXX who could not figure it out either and would send my request to a research team again for further review.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

A check was written by Attorney XXXX XXXX XXXX, dated XX/XX/XXXX  made payable to XXXX XXXX in the amount of {$6500.00}. The check was deposited into my Chase bank account. The check was cleared by the bank in which it was written from, and the funds was released to Chase bank. However, Chase bank kept the funds and closed my checking account. It should be noted that I physically went into Chase bank along with XXXX XXXX ( my step-father ) and we both presented the proper forms of identification required to verify our identities. Chase bank called XXXX XXXX to verify that the check was written to him from Attorney Stauss. I then spoke with Chase bank fraud department and provided two phone numbers for the attorneys that were involved in the settlement of the case from which the check was written from, because they were unable to verify through a third party that the attorney 's business phone number was legitimate. Chase bank fraud department requested that I contact the attorney 's office and ask them to resend the check that they written from their bank and reissue a second check. On XXXX XXXX XXXX XXXX contact the attorneys by email and made the request according to Chase bank fraud department. However, the attorney responded by email stating that I XXXX XXXX had stolen the money in question, because the checked has cleared and they had no intention of writing a second check in the amount of {$6500.00} to be defrauded out of. Also, Chase bank fraud department informed me that the attorney 's office either failed or refused to communicate with them concerning the check in question, even though XXXX XXXX  XXXX  never raised any red flags and released the funds to Chase bank. My checking account was wrongfully closed and the {$6500.00} was never released to me and was kept by Chase bank. Since there is no proof of fraud, why was my 8 year bank account with them closed and where is the funds that was released to Chase bank by XXXX XXXX  XXXX?
Consumer complaint received 2022-09-10
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: DISCOVER BANK (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2022-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Integrated Mediation Solutions LLC (MI)

XXXX XXXX with Integrated Mediation Solutions refuses to mail me any information on the payday loan in question, as requested. She is calling my HR Department, my husband, my children, my elderly parents stating " that this call is pertaining to a claim that is prepared to be filed in XXXX XXXX and wants to speak with me before the attorney network group does proceed for judgment wage garnishment ''.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX {$500.00} Bank Of America Secured Credit Card Limit {$400.00} XXXX XXXX The account was open XX/XX/XXXX, I closed the account in XXXX I asked the bank to please take my balance of {$400.00}. as I closed it. 
The bank manager at the time agreed as I could not exceed the credit limit I was given. 
I was not notified, and or given the opportunity to rectify this.
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.