davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Cadence Bank (AL)

I opened a checking account on XXXX XXXX in XXXX XXXX XXXX I trade and sell bitcoins  for a better income to take care of my family and I accept payments through XXXX pay. In four days my account was shut completely down with no access at all. I called the branch and was told someone would get in contact with me. After a couple of days I hadnt received a call so I called back to the branch. This time I was told to call the call center and theyd help me. Call center said they didnt see why but my account was closed and that a check in the amount of {$6700.00} had been mailed to me. After a week and a half and no check I called back to the CC and was told that the check was mailed 2 days prior to that call and that Id have it in a couple of days.1 week went by and still ... no check. I called the branch manager and she stated that there was no check every coming and cant see why anyone would tell me that. XXXX The branch manager XXXX XXXX XXXX your account was closed due to fraudulent payments. The crypto that you were selling were being purchased by someone who didnt have authorization to use the card. I assure you that its not your fault and you did nothing at all wrong, but we had to send the remaining funds back to the cardholder. Now 2 months later Im still calling and begging to just get the chance to show that I have every transaction they may want to look into. I only sell to people that view my offer and initiate a trade. I give my XXXX info and check once they say theyve paid and then I release the crypto  to them. I have everything from the first message, down to the positive feedback left by the buyer after the trade was completed. Not once was I asked to come and bring proof that I wasnt participating in fraudulent activity. I feel as if Im being robbed  by a bank, especially when Im being told that I didnt do anything wrong. This cant end like this. I had to put my wife and children in a car every night for 3 nights I order to stay warm until I sold the only thing my dad left me just to pay our light bill. I do not deserve this treatment when I try my best to make everyone have a great day every day. MY FAMILY IS LITERALLY SUFFERING DUE TO ME GETTING ALL OF OUR MONEY TAKEN AWAY BY DOING NOTHING WRONG AT ALL! In no way is this fair to me when if there was fraudulent activity going on, I had no idea AT ALL and NOTHING to do with it. Im a XXXX  XXXX  putting my own life on the line daily to help people Ive never met. Im not a criminal and I wouldnt and couldnt scam someone and get over on them. I feel like Im less than a man/husband/father watching my family suffer and the only thing I can say is its going to get better, knowing that its not. I NEED my money back and its only fair. Why do I have to take the loss when Im being told I did nothing wrong? IM BEGGING AND PLEADING WITH YOU. PLEASE HELP ME. PLEASE .... I beg you and Im sorry this is so long but you have to understand. I CANT LET THIS JUST END LIKE THIS AND SUFFER MY FAMILY.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NE)

Received foreclosure notice in XXXX 2015 from Ocwen, during the same time that I underwent a XXXX ( XXXX XXXX ) .The house was scheduled for auction XXXX. I submitted the modification package as well as all requested documents by fax on XXXX XXXX. Ocwen stated there were documents missing, which I emailed twice and uploaded directly to their website. They then said it was too late to stop the foreclosure, but then stated they would send an email and try to stop it. I was told this on XXXX XXXX, XXXX, and XXXX. On the XXXX I was told to call the morning of the XXXX, which was the sale date, to see if the sale was stopped. My daughter called and was told it was too early to tell and to call back later in the day, and that the agent would also call us when he knew the status. We checked the website later that day and it now stated that the modification was in review. The agent called my daughter on XXXX to also advise the sale was stopped and the modification was in review. I received a letter dated XXXX stating the same. We have been checking the website daily to see the status and it still, as I type this, says it is in review. However ; I called last week to check status and was told the property is now real estate owned. My daughter immediately called the local assessors office and was told the deed was still in my name. My daughter spent hours on the phone with Ocwen, left messages with the real estate owned division XXXX, which still have not been returned, and finally spoke with someone who looked into the account and could see something was wrong. The agent said Ocwen has XXXX systems and XXXX said the loan was in modification review and the other said it was real estate owned. The agent stated that on XXXX there was a note stating the foreclosure did not go through and the loan was in review. The agent advised my daughter she would call her Monday, XXXX, with a status update, which she did not make, My daughter left her a message which was returned today, in which the agent advised the house is real estate owned. She said the modification had been denied XXXX times, and my daughter tried to explain that they were denying it because they were saying there was documentation missing, which is why the actual review did not start until XXXX. She also mentioned the letter dated XXXX and the fact that the website still says we are in review, but was met with an unconcerned response. She also mentioned we have received no documentation regarding a sale, or a modification denial. They are saying there was a sale, but we are unable to find any record of this sale with the register of deeds. Please help. We have had this house for 29 years, my daughter and her family live there and have nowhere else to go.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I purchased a XXXX XXXX in XXXX of XXXX at the total of {$7100.00} with a down payment of {$4000.00} and a monthly car note of {$250.00}. 

However, today they told me my payoff amount is that of {$6700.00}!!!!! This should not be the case for a car I put down half leaving me with a total of {$3100.00} to pay. 

The car didn't pass inspection and I had to come out of pocket with an additional {$2000.00} to pass Maryland inspection. XXXX sold me a Lemon!!! 

I've been calling this company all morning to retrieve my account number and every time I call they send me to a survey line.
Consumer complaint received 2021-01-25
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. (AZ)

Transunion has continued to not follow up with inaccurate information on my credit report that they are reporting. I want to sue them for reporting false information on my credit report. 

I have mailed 3 different letters to Transunion, with confidential information in the mail, and they have indicated that they have not received any of my letters. I have the confirmation numbers for the letters that was sent as well. 

To Transunion, I give Transunion permission to remove the following hard inquiries on my account that I never applied for, due to fraudulent activity. I made a police report to the XXXX Police Department, under, XXXX File- # XXXX XXXX XXXX Last 4 digits- XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The inquiry was not authorizedXX/XX/WAYFAIRDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorizedXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XX/XX/TBOM Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

12. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

13. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

18. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

Thank you XXXX XXXX
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (IL)

Paypal is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Paypal is ignoring. I even contacted Paypal but they have yet to make any changes as they are looking into it. This is for a credit card that had a credit limit of {$500.00} and was opened in XXXX.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AFNI INC. (CA)

Last year on XXXX XXXX, 2023 I believe that's the excact date. I personally let my boyfriend borrow my car beacuse his car was at the shop. Unfotunatly a car hit my boyfriend. My boyfriend was confuse beacuse he never hit the car and didnt knew about it until the guy started yelling that he hit him. So my boyfriend told him no i didn't he isnisted yes you did. So my boyfrien pulled over and waited for tge police officers. To arrive. Me without knowing about insurance my boyfriend wasn't able to drive it if he wasn't under my insurance. Well for my luck that month i paid a part of my insurance and gave the other part late. 2 days well they took it as i didn't had insurance. They took it as i was with no insurance i still had full coverage 3 month after the incident until they kicked me off my insurance beacuse my boyfriend was driving it. My boyfriend gave all his information with the police officer. And gave his insurance to him and everything. But AFNI is on behalf of XXXX XXXX XXXX. Has been coming at me since the car is in my name and under me. They want XXXX out of me, since then they been harrasing me, and threating me if i don't pay they will cancel my insurance and report me with the dmv to revoke my D.L. their was no total lost on the on my nor the guys their was no medical emergancy Nor nothing. only a bit of paint scruff that got on my car their is no dents neither. I have already took the guy to court now just waiting to get him served.I just don't want my D.L canceled or my insurance i commute on highways everyday to get to work. And afni acussing me without knowing who was at fault And sending me to collecting for it.
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates constantly calls me, from multiple different numbers, while I 'm at work. No voicemails are ever left or any information for me to contact anyone back. Also, when the calls first started, I talked to someone once and I never received a Validation Notice for the debt. I have emailed Portfolio Recovery and told them that I do n't want any more contact by phone and that I want information regarding my account so that I can create an account and make payments on their website, I received no response to the email and received numerous more calls from different phone numbers the very next day.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Hi, so in XXXX of XXXX I attempted to make a purchase online from XXXX XXXX. I never received the items so I submitted a complaint with XXXX and my bank, Chime Inc. XXXX said they refunded me but Chime said nothing was received so I submitted a claim with Chime. Chime denied the refund so I submitted a complaint with the XXXX. I first submitted a complaint with XXXX and over several months they submitted evidence that they sent/reimbursed Chime, however I never received it. I then submitted a complaint through XXXX  about Chime. They only got automated responses for months until finally I submitted evidence that I already showed Chime that XXXX refunded me and Chime never did anything about it. According to XXXX, they received this message " RE : Complaint # XXXX Good afternoon XXXX, My records indicate that as of XXXX Chime said the following regarding your complaint : Date Sent : XX/XX/XXXX XXXX XXXX  " I have reached out to ensure this complaint is resolved. 

Thank you! '' -Chime '' Since then, I have received no further communication and Chime never reached out. They lied to the XXXX  and never reached out to me. I got busy and didn't get around to submitting the information until recently.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK (FL)

Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (PA)

I received a threatening notice from Discover stating that they would in fact take legal action for alleged debt they claim I owe. I requested for said alleged debt to be proven by their corporation. Spoke to an agent and she in fact stated that legal action was being taken out on me. I informed the agent that their is no such actions that can be taken against me allegedly as they have to prove this alleged debt that I owe them. Along with failing to provide me all of the disclosures according to Regulation Z of the Truth in Lending Act, 15 USC 1603 - terms for " credit card '' for the purpose of obtaining money, property, labor, or services on credit. 
12 CFR 1022 Regulation V 18 USC 8 UCC 3-104 Negotiable Instrument Right to Rescind alleged contract. 

Discover has no lawful authority to harrass, coerce, nor threaten me for credits which it alleges that they extended to me. They need to prove that I XXXX XXXX entered into a lawful contract with them and that I owe said credits. My rights have been violated according to the Fair Consumer Reporting Act
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

I recently requested debt validation for a debt showing on my credit report reported by Receivables Management Partners LLC. I mailed a letter ( certified ) XX/XX/XXXX requesting debt validation. They did not respond so I filed a CFBP complaint on XX/XX/XXXX complaint ID XXXX. The company responded to the complaint on XX/XX/XXXX and stated that the trade line would be removed from my credit report. XX/XX/XXXX they mailed a deletion letter for this particular debt the debt was then removed from my credit report. Fast forward, XX/XX/XXXX they mailed a letter to my home with a copy of medical records in attempt to collect on this same debt. This is a Hipaa violation. I did not sign a Hipaa form or give authorization to Receivables Management Partners LLC to access my medical records. Therefore the information reported to the credit bureaus in correlation with this debt is faulty and I would like for XXXX XXXX to cease all collection efforts immediately! I have attached supporting documents below.
Consumer complaint received 2015-10-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (CA)

I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT)

UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me