davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
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. (CA)

I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (PA)

There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Burke Moore Law Group, LLP (SC)

On XX/XX/XXXX, I received an email that my loan would be maturing, and I needed to submit some financial documents in order to process for a term loan since the original loan I had was no longer being offered. The loan matured on XXXX XXXX and I managed to submit all of the paperwork around XXXX XXXX. The loan new loan terms were stated as follows : XXXX XXXX {$18000.00} 48 months Rate 12.39 % Appx payment {$480.00} monthly No prepay penalty. 
One time Admin fee XXXX I received this email on XXXX XXXX, XXXX. I was asked to fill out an ownership beneficiary form which clearly was used to profile me and get my personal information as this was a originally a business loan tied to my EIN. This was very misleading. 
There was no further communication afterwards. Then around XXXX of XXXX I received a letter from Burkemoore Law Office claiming there are attempting to collect a debt for XXXX XXXX and if I don't pay they will sue for the money. I was totally blindsided by this. I asked them provided the documentation where I was denied a renewal and for what reason. I never received any of that information. Now my XXXX score has been affected and potentially my personal assets.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. 

This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. To require that I come up with all mortgage payments at once or move out of my home while we are still in the pandemic is extremely disheartening.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (OK)

Conns is reporting to my XXXX credit report that I have 2 accounts  showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items if information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: North American Credit Services (FL)

On XX/XX/2024 @ XXXXXXXX XXXX a voicemail was received on my employer 's general voicemail from XXXX XXXX to collect a balance. I messaged XXXX XXXX through THEIR app notifying them that they had left a confidential and personal voicemail on my employer 's general voicemail and that I did not authorize this, and to NOT call my employer as they have direct contact with me. On XX/XX/XXXX, I received a response from XXXX at XXXX XXXX ( through the app ) confirming that my work number was removed and it would not happen again. 

This morning, I got another voicemail from my employer 's general voicemail from North American Credit stating : " This message is intended for XXXX. If you are not XXXX, please disconnect. By continuing to listen to this message, you acknowledge that you are XXXX, this is North American Credit Services. On behalf of XXXX XXXX XXXX, please call XXXX XXXX XXXX. To speak with a representative, please reference account number XXXX. Thank you. '' Obviously, they did not remove my work phone number as I requested.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX  XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!
Consumer complaint received 2018-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I took out an equity line of credit from Bank of America to pay off ( 5 )  countrywide existing loans, which in turn paid them off in full from my main home which had no loan. The loan was {$350000.00} equity line of credit. It was very easy 11 years ago. The loan agreement was that after the 10 year term the loan would be converted to a new 30 year fixed loan. THIS did not happen and now the payment have increased to a 15 year variable loan. which in turn have increased my payment from {$800.00} per month to {$2700.00} per month. This was a scam by Bank Of America. They have refused me a new modified loan as they originally mentioned. I need to either find a new loan and join the class action lawsuit or file my own lawsuit against Bank Of America. They also have lowered my credit score by their continued inquiries from XXXX to XXXX. This HAS TO STOP. I need your help in this matter as soon as possible. I can be reached at XXXX or by email at XXXX or my backup phone is XXXX. I can be reached 24/7 .Thank you for your advice and help in this matter. 
Sincerely yours, XXXX XXXX retired on XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and Experian and XXXX have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, XXXX and Experian continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX XXXX account in my credit report ( account # XXXX .... ) which is reporting as included in XXXX  XXXX XXXX  was filed in XX/XX/2015 and according to the FCRA, accounts included in XXXX can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the XXXX  public record for the XXXX XXXX XXXX  filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Consumer complaint received 2021-09-21
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: OneMain Finance Corporation (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Financial Corporation (AZ)

I received a letter from the Offices of XXXX XXXX XXXX, XXXX. 

They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with XXXX originating from Gold Acceptance on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. 

-- >This debt is not mine. I have NOT done business with Gold Acceptance or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and XXXX please disassociate my address from their dealings with those companies and that car. 

The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again. 

I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. 

XXXX XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.

Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized?

I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep communicating with me off the record?
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc. (NC)

Coinbase suspended my Coinbase Debit card ( ending XXXX ) claiming that the card terms were violated. I used this card solely to pay bills in XXXX and XXXX XXXX banks, and that is not in violation of the card terms. I contacted the Coinbase support and they said they can not unsuspend/reactivate the card.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2021 I mailed dispute letters to all 3 bureaus requesting XXXX XXXX correct the inaccurate payment history reporting of a mortgage loan I had with them. No response, and I mailed them a RESPA request, no response!
Consumer complaint received 2020-11-29
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. (NV)

Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX XXXX Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Consumer complaint received 2021-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

XXXX XXXX was my loan officer with Freedom Mortgage. XXXX told me she wasn't sure why escrow was on this refinance but not the two previous loans. She said she would send the information to the property tax accountant team and they would reach back out to me with an answer. They never called me back. When the notary came to me house for the signing of of the refinance, I brought it up again that the escrow was not supposed to be included on the payment. The lady then told me to go ahead and sign because it was a simple admin change and I could call the next day and it would be resolved. I called Freedom Mortgage from XX/XX/XXXX to XX/XX/XXXX before I was finally told that I had to pay the additional escrow for the last 4 payments or it would continue to hit my credit report. I had been told numerous times by different employees from Freedom Mortgage that it would not effect my credit until the dispute was resolved. Finally I got a call from a lady saying that I had to pay back the escrow and that they couldn't take it off my credit even though it was their fault. I explained to her that these payments were not late they were paid on time but only had the principle and interest. She told me put a written request to Freedom Mortgage to remove the adverse credit reporting. Then told me they probably wouldn't remove it.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HANCOCK WHITNEY BANK (LA)

On Tuesday XX/XX/21 I was charged 2 {$36.00} NSF fees and {$36.00} NSF fee on Wednesday XX/XX/21. Nothing was charged to my account but the fees still came out. I spoke with the bank on XX/XX/21 to try and rectify the situation with the bank. I explained the rep that I did not sign up to receive overdraft protection when I opened the account so I was told that if a charge tried to come out it would deny and I would not be charged a fee for it. She told me it still came out so they would not reverse it even though I did not give them permission to.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NE)

They contacted me saying I owe them money, when both XXXX XXXX snd XXXX said my account was XXXX balance. I asked them for validation and statement they wont unless I dispute it. They got hostile and rude yelling at me.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NJ)

Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.
Consumer complaint received 2018-07-17
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. (CA)

in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.
Consumer complaint received 2018-07-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (AZ)

In XX/XX/2017, I contacted a mortgage company called Paramount Equity about refinancing my current VA home mortgage. I was finishing school and my VA benefits would end in XX/XX/XXXX. I told the representative that if I couldn't complete the process by XX/XX/XXXX there was no point in starting the process. I was reassured that everything would be fine and it would take just a few weeks to get it done. Weeks would drag by with no contact from anyone. Then I would receive an email saying that I needed to get something ; a termite inspection ( {$600.00} ), tax forms, pay stubs or getting the appraisal done ( several hundred dollars ) in the next 24 hours or it would halt the process. This happened numerous times, all the while they kept hitting my credit with inquiries telling me that they were of no consequence. After weeks and weeks, stretching into months and months, I was getting close to the point I was trying to avoid in the first place ; missing a house payment. When I did hear from someone, I was told to not worry, the end was nearly there. Well, because of their dragging their feet, I missed my XX/XX/XXXX payment. I then got a phone call that I was no longer eligible for the refi I was going for, but I could do a different refi, not take any money out ( we were hoping to pay off our cars ) and the interest rate would be much higher than we wanted. My credit score dropped, and I had to get a 2nd job to offset the change of income. If they would have actually done their jobs, or just told me it wasn't going to happen, I would not have missed the XX/XX/XXXX payment because the money I spent on the processes would have gone towards that payment.