davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CA)

In XX/XX/XXXX, I received notice on my credit report that I had a " major derogatory mark '' on my credit report relating to my XXXX XXXX Account, filed by a debt collection agency Credit Management LP ( based in Texas ) that bought the debt from XXXX, allegedly stemming from a XXXX XXXX account that I closed and paid off around XX/XX/XXXX since XXXX 's services did not extend to my new location. XXXX and Credit Management failed to provide me with notice of such debt and the late payments, and they presently refuse to remove the credit report off my history despite me paying the {$140.00}, which I do not think I owe them. My credit score now has dropped XXXX points and have a major derogatory mark on it. 

While I have limited access to my XXXX account and XXXX provides little to no documentation for closed accounts, XXXX charged me an additional $ 140~ after the close of my account in XX/XX/XXXX ; provided no notice before the account was closed of such owed payment ; and I received no notice by XXXX  or Credit Management LP re : late payment until the debt was already in collections and on my credit report. 

On XX/XX/XXXX, XXXX also informed me that they do not provide email notices of late bills for closed accounts even though I was signed up for e-billing during my relationship with XXXX, and they only send paper bills to the closed account address despite knowing I was no longer there at such address and without informing me of such policy or the alleged bill when I called in to close my account. In short, there was no way for me to know any potential bill existed because of XXXX 's policies on closed accounts and notices, in addition to thinking I had closed the account back in XX/XX/XXXX after paying off the final bill and returning the equipment to XXXX. 

I reached out to the Credit Management LP ( debt collector whom bought the debt from XXXX XXXX and XXXX XXXX - both claim they can not remove the debt off my report even though I received no notice of such payment and even paid off the debt so it is a zero balance and closed account.
Consumer complaint received 2020-10-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (SC)

Trying to refinance a home via XXXX XXXX, w

hich I was told would be simple. I am a widow. My husband & I owned the home, but it was financed in his name with a VA loan. When he passed away, the home was then deeded to me. All I wanted to do was lower the rate, which I was explained was not an issue as I receive his retirement benefits. I was told by LOAN DEPOT, after over 60 days of promising a closi ng in a few weeks, that I do not qualify. With no explanation as to why that would be?
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.
Consumer complaint received 2021-09-01
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: Continental Services Group, Inc. d/b/a ConServe (MI)

On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-10-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (AR)

On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Consumer complaint received 2015-04-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (AR)

Our corporate checking account, which has been set up on auto-pay for several years, started being rejected in XXXX of XXXX. After several months of our vendor blaming our bank, they finally told me last week that Telecheck is declining our checks and advised me to call them to find out why. I called Telecheck on XX/XX/XXXX and was told that : our " checks '' were declined because they had not handled checks from us before ; then when I listed dates that they had been accepted, our checks were declined because they were a different amount than before and did not fall within the guidelines set by Telecheck. The representative then assured me that she had " fixed '' whatever their information is for us so that our payments would stop being declined. On XX/XX/XXXX, we had another payment declined. Today, on XX/XX/XXXX, when I called Telecheck again another representative told me that it was probably because it hadn't been 72 hours so I should try again today ; and our payment was rejected again. The vendor that we are trying to pay is charging us {$30.00} every time our echecks are declined. Furthermore, the last representative that I spoke with from Telecheck transferred me to a debt collection company when I asked to speak to someone who could actually fix whatever the issue is. At this point we have had payments accepted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then declined XX/XX/XXXX, accepted XX/XX/XXXX and XX/XX/XXXX, then declined XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2015-11-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK (NJ)

I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC (FL)

Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus
Consumer complaint received 2024-01-12
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. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (WA)

I received a phone call from Synchrony Bank. The bank claims I did n't pay my bill payment of {$25.00} towards my Amazon store card for the months of XXXX and XXXX. I have a automated online bill payment, with my bank XXXX XXXX XXXX, that I use to make payments towards my Amazon store card each month. I contacted my bank XXXX XXXX XXXX with this issue, and my bank provided me with a bank statement that shows that I paid my bill during XXXX. There 's a inaccurate amount of {$63.00} dollars in late bill payments that Synchrony bank is claiming I owe.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NC)

I have been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc. (CT)

The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NV)

I have a car loan that I requested the extended warranty and the gap contract to be cancelled ( total amount = XXXX ). This cancellation requested has been submitted to the dealership since the end of XXXX. After a long time waiting, I called the dealership back and they told me that they would be sending the refund check once again to Ally. Today, XXXX XXXX XXXX ) I called the dealership and I was informed that the check had been sent last week and it was cleared on XXXX XXXX. However, I have been speaking with Ally every day and even today, they have been claiming that no check has been received. I have requested Ally innumerous times requested to verify the information with the dealership but they refuse to do so and the dealership keeps telling me that the funds were already taken by Ally. I do n't know what to do anymore. XXXX dealership and Ally need to figure out what is wrong. AGAIN, THIS WAS REQUESTED SINCE XXXX AND UNTIL NOW NOTHING HAS BEEN RESOLVED. If I miss a payment, ALLY would be calling me EVERY DAY, so I expect them to solve this problem IMMEDIATELY.
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

SOUTH WEST CREDIT IS FRAUDLENTLY TRYING TO COLLECT A DEBT WHICH HAS BEEN DELETED FROM MY CREDIT YEARS AGO AND THEY ARE NOT EVEN LEGALLY AUTHORISED TO COLLECT THE BEBT NIETHER REPORT TO THE CREDIT IN AN EFFORT TO DAMAGE MY CREDIT Creditor Information SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (NJ)

To whom it may concern : I did not incur the debt which is indicated. The ATM machine ate my {$500.00} in cash. XXXX XXXX XXXX as well as the security guard at the PNC Bank witnessed the machine eating my cash. The bank credited my account. However, they have since rescinded the credit and applied late fees without providing any documentation. I was assured by the bank manager XXXX XXXX XXXX. That the machine would not be properly reconciled on XX/XX/13 and that I would not have a problem. However, since then they have billed me for {$500.00} which they owed me and tacked on late fees. I have not, nor has any attorney who represents me received : The video footage from the ATM indicating that it stole my money. 
Documentation that illustrates that the ATM machine was not reconciled.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/2020 my XXXX and XXXX XXXX ( {$780.00}, XXXX {$87.00} NY XXXX ) was deposited into my HSBC checking account by direct deposit. They have told me on numerous occasions they account was in process of closing and then closed, depending on whom you speak with in the fraud department it is in different stage. On different occasions they have told me that a check was mailed ( 5 times ), in fact a check was never mailed. They are holding my government funds that have nothing to do with another problem with account. At their request I submitted proof 2 times to their efraudprevention email. I have been on the phone with them practically everyday. I also spoke with XXXX XXXX at their XXXX XXXX XXXX branch, she is the Vice President ( XXXX ). I spoke with a XXXX XXXX at XXXX for XXXX XXXX, I also spoke with a XXXX  ( unknown position ) at XXXX, she works out of headquarters in XXXX, New York. I have spoke with a multitude of people in the fraud department. I am in desperate need of this small amount of money that I live on sparsely.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (VT)

On  XXXX   XXXX ,  XXXX  I purchased a car from  XXXX   XXXX   XXXX   XXXX   XXXX    in  XXXX , VT.   Said car was financed thr ough Credit Acceptance Corp. out of    XXXX , MI.   My finance contract had the purchase price minus my down payment, but also included fees for the extended warranty and for th e GAP Protection.      On  XXXX   XXXX ,  XXXX  I re-financed my car through my local credit union and a check for the payoff amount was sent t o Credit Acceptance Corp.      That GAP protection was issued by  XXXX   XXXX   XXXX   XXXX    and I was told by them that the protection was cancelled and there would be a partial refund issued. I then spoke with a customer service agent  at Credit Acceptance an d was flat out told that there would be no refund issued to me on this.     My contract has me paying for the car, the financing, the warranty AND the GAP!   My refinance took care of the pay-off. So I should be entitled to that partial GAP refund because I 'm the one who paid for it.      Credit Acceptance Corp., is re fusing, actually they are just telling me that there will be no refund issued to me for the GAP period, end of story, sorry! BS
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torres Credit Services, Inc. (MD)

Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Capital Enterprises, Inc. (CA)

I am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Van Ru Credit Corporation (CA)

They keep calling my land line phone number to collect a debt for the person who, apparently, used to have my current phone number. I 've had this phone number for approx. 5 years now, and they continue calling for someone else, asking if I know this person, if I have any information about their whereabouts, etc. I have no idea who this person is or where he is, etc, I 've asked them to stop calling my number, and they keep calling it.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I refinance my mortgage with Navy Federal Credit Union on XX/XX/2020 with the interest rate of 3.375 % 15 year fixed. My account information reflects a higher interest rate than what I agreed to in the closing documents. I have contact Navy Federal to correct the issue but there has been no resolution on 2 weeks.