davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
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. (FL)

Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, XXXX.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

I, XXXX XXXX XXXX does submit a statement to the Consumer Financial Protection Bureau ( CFPB ), not necessarily as a complaint, but as a resolution to a current foreclosure matter that can be easily resolved. Over one year ago, I took possession of a home where the owner needed to move back south to XXXX. Initially I tried to refinance the property, but because the property was already in default, there were no traditional mortgage programs that would approve the transaction. I was also in a period where I was rebuilding my personal credit. I then tried borrowing funds at an excessive rate of 14 %, but the math simply made the transaction a huge loss for me to go through with it. When the property went into a foreclosure status in XXXX of 2018, I was in the position that I had to defend the action pro se. However, I have attended the property needs such as repairs, and I desire to move into the structure as an owner/occupied property, make mortgage payments, acquire property insurance, and eventually refinance the home altogether. I am requesting that {$40000.00} of the current balance be placed in forbearance. The amount should cover the unapplied balance. The current interest rate is an exorbitant 9 %, which needs to come down to 3.5 %. In this fashion, I can afford a payment that will be reasonable, and I will agree to refinance the property after 24-monthly payments. There are simply too many foreclosures in the XXXX, XXXX XXXX area, and the property I own does not need to be in those statistics. Accordingly, I request the CFPB to be a go between on this matter, post the file on the internet as a foreclosure workout scenario, and place the complaint with the Comptroller of the Currency and/or the Federal Deposit Insurance Corporation as a mandate showing that there are reasonably solutions to foreclosure matters that does not require years of litigation. The judge at the XXXX County Supreme Court desires to see this matter worked out without the option of foreclosure, and I am in a position to do exactly what is best for this situation.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (MD)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXXXXXXXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IN)

IN XXXX XXXX WE GOT MORTGAGE LOAN FROM CHASE HOME FINANCE, LL NOT XXXX XXXX MORTGAGE LOAN XXXX OR TRANSPOSE FRAUDULENT LOAN XXXX. 

THEY OPENED 1 GOOD ACCOUNT AND 1 FRAUDULENT ONE BY TRANSPOSING TITLE NAME AND TRANSPOSING ACCOUNT SEE CREDIT REPORT AND LETTERS FROM CHASE. 

I HAVE DISPUTED THIS MATTER 13 TIMES IN OVER 10 YEARS WITHOUT CORRECTION. 

XXXX VIOLATING TILA, F.C.R.A. AND " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (VA)

I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Strategic Alliances, Inc. (SC)

They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.
Consumer complaint received 2021-07-12
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)

According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-05-22
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. (GA)

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian LLC XXXX. Box XXXX XXXX, Texas XXXX Credit File Number : XXXX XXXX XXXX XXXX XXXX XXXX # *********** ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : 15 U.S. Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to  consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. Public XXXX XXXX XXXX XXXX XXXX XXXX Identification Number # XXXX Filed : XXXX Claim Amount {$8800.00}. 

This information should not be reporting on my credit report due to XXXX XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Experian credit report immediately.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (MA)

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt.

3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer.

5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

XXXX Opened CitiBank Checking Account. 
XX/XX/XXXX Linked the CitiBank Checking Account with XXXX XXXX Checking Account. Both under my name. 
XX/XX/XXXX Transferred {$25000.00} from XXXX XXXX to Citi Checking Account. 
XX/XX/XXXX Received email stating that my debit card will be shipped. 
XX/XX/XXXX Received email stating that my account will be closed. 

Didn't have access to online banking during this time. Called CitiBank customer service, refused to disclose reason of closure. Unable to log in to online account after received debit card. Haven't heard from them and neither received the check containing my already transferred {$25000.00}.
Consumer complaint received 2017-11-21
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. (OH)

After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I have 3 things on my credit report that I want to dispute. 

I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Lending Club Corp (WI)

To whom it may concern, On XX/XX/XXXX my business and personal accounts were locked. I was sent an email from XXXX XXXX  which I immediately responded to with my passport and record of funds deposited. 

Today is XX/XX/XXXX. I have contacted the bank every business day asking to have my accounts open or if there was any information I needed to supply. On XX/XX/2021 I was called by XXXX XXXX - Incident : XXXX XXXX - he told me the checks I scan look digital, I said I take a photo of them for my records and take a photo from my phone using the XXXX XXXX XXXX. He stated he understood the accounts would be reopened, date XX/XX/2021. 

I believe there has been a case of neglect my account has been closed for 28 days. 

I used the bank as my primary business & personal accounts. I use the business account to scan checks from clients which total about 10 checks per month. 

There was a question regarding how I scan my mail which I have scanned to me by a trusted person looking after my house while I am away on business.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (CA)

Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2017-11-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Loan Number # : XXXX Select Portfolio Servicing Account # XXXXOur current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back  to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXXXXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XXXX/XXXX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX XXXX last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.