davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tri-State Adjustments, Inc. (IA)

I received a bill for Oxygen which the hospital ordered from a company who does not accept XXXX. I called XXXX, did an Appeal. XXXX worked with the Company, XXXX XXXX XXXX XXXX, which refused the XXXX amount,. XXXX sent me the check, I endorsed the back and put Pay to the Order of XXXX XXXX XXXX XXXX, per XXXX, and they cashed it. That claim is dated XX/XX/XXXX. Then XXXX reevaluated the claim and sent me a Summary on XX/XX/XXXX stating they denied all claims, paid nothing and I can't be billed anything. I have all these documents. Then XXXX again reevaluated because they accepted the XXXX check and said they should now bill my XXXX. But they can not bill me because of my Insurance. I have XXXX XXXX & XXXX XXXX due to XXXX  XXXX for XXXX XXXX. I have no deductibles, no out of pocket, co copays. Been that way since XXXX and the hospital knows that and I did not order the Oxygen or sign except for delivery. I have written to XXXX XXXX XXXX and to the Collection Agency who has threatened to put a Court Order on my Social Security which is my only income. I am XXXX XXXX XXXX. This I have done 3 times, this last time asking them to bill XXXX and sending the information to do that. I also asked for a Hardship Form which I was denied. XXXX gave me this site to report to you.. I am now getting phone calls from Tri State Adjustment , Inc. I got the first bill from the Equipment Company 2 days after I was released from the hospital and I had them come pick up the equipment the next day because I did not order it. I was told I could not go home without it, but the hospital should have ordered from a Company that takes XXXX XXXX XXXX. It took me longer to get over XXXX without the Oxygen, but I could not pay for it. Nor should I have to since XXXX and XXXX has always covered me. I have checked with my bank and they assure me that no creditor can attach my Social Security. I have no bills at all, I budget closely and I have no debt. Please help get them off my back. Stress with my health is not a good thing for me. And Thank You.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I had applied for a loan modification under my mortgage company 's ( LakeviewXXXX XXXX XXXX loss mitigation department beginning in early XXXX of this year. I had been told to submit, resubmit, and resubmit documentation. I was getting pretty aggravated after the third submission of the documentation XX/XX/2021. I was rather shocked today when I spoke with a representative named " XXXX '' at the loss mitigation department [ ( XXXX ) XXXX ] who had informed me that LakeviewXXXX had simple " removed '' my application. I did not know that an application could be " removed ''. I was waiting for a determination for over a month an a half before the application was removed at the eleventh hour. I think that the repeated requests for resubmissions was an intentional delay tactic and was a prelude for the mortgagee 's decision to disregard the application... this was clearly in bad faith. 

It is my belief that LakeviewXXXX had no intention to allow me to submit the application and that they were sandbagging me while waiting out the clock until XX/XX/2021. I would like in inquiry into this BAD FAITH, obviously prejudicial and oppressive action by the Consumer Financial Protection Bureau.
Consumer complaint received 2021-03-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.
Consumer complaint received 2020-10-16
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC (NJ)

What happened was that we were refinancing our current home mortgage with loancare with this other mortgage loan company called XXXX, and they advised me that they would be taking care of my XX/XX/XXXX payment when the closing took place on XX/XX/XXXX. I received a call from the loan officer that day stating that they put on hold until the XXXX due to recent state restrictions because of covid. On this day I received another call from them to say that they were putting a hold to the loan until the restrictions in NJ were lifted due to the pandemic because my husband job was closed due to the state shutdown, I then proceeded to contact Loancare about my XXXX payment. The XXXX payment was not made until XX/XX/XXXX due to me trying to contact a supervisor from XX/XX/XXXX to the XXXX since staff was limited due to covid. I spoke with several reps who instructed me to speak with a supervisor so that no late fees occurred or bad reporting due to the other lender putting the loan on hold due to Covid19. I do not feel like this is an accurate reflection of my credit history or my relationship with Loancare. I have called their credit reporting department and send emails with no luck or resolution. If you were to review my credit history, you would see this is the only late payment I have ever had. I have put in disputes with the XXXX credit reporting agencies with no luck as well. Transunion suggested that I reach out to consumer finance for further help. This situation was beyond my control please, I need help covid affected us so much and I can't refinance my home because this " one '' payment is hurting me so much. Other lenders can help me refinance because they state i have to wait 6-8 months and make payments on time. That was the only payment that was ever late since I purchased my home in XXXX of XXXX all of my payments even during the shut down were on time and two weeks early. Please help me with this situation that was beyond my control.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!
Consumer complaint received 2022-01-20
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: CURO Intermediate Holdings (TN)

After viewing my report I noticed this account that I have never applied for credit nor any written communication with. Pursuant to FDCPA 1692g I have requested for a validation yet you have failed to do so. FDCPA section 807 8 if you can not validate the debt that is a valid reason to remove it from my credit report. They have violated my consumer rights under the federal law FCRA & FDCPA.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

On or about XX/XX/XXXX I attempted to start process on a home purchase, when pulled my credit report I was informed that a debt that was paid in full on XX/XX/XXXX is still displaying on my credit report as an open account. I reached out to the original creditor XXXX, spoke with XXXX, she stated that they informed on Credit Collections Services on XX/XX/XXXX that the debt was paid in full to the original creditor XXXX  I reached out to Credit Collections Services on or about XX/XX/XXXX, spoke with XXXX on a recorded line, stated to her about this inaccuracy on my credit report, she stated in their system its showing as paid and I told her well on my credit report its stating as open. She asked me to fax over what I have to get this corrected I sent her a screen shot directly from the credit agency XXXX. I gave it a bit on XX/XX/XXXX another pulled of my credit was done, still displaying the same inaccurate information. I called Credit Collections Service, spoke with XXXX on a recorded line at XXXX XXXX  est, asked her why it hasnt been removed, she stated she had to speak with her manager she place me on a brief hold, came back stating that her manager XXXX stated that the screen shot from the credit agency XXXX was insufficient, that I should get something from XXXX, submit in. And I questioned XXXX does she hear what she saying I submitted something directly from the credit agency how is me getting the exact same thing is going to be any difference, she responded thats the only way and document that Credit Collections Service will accept. So I did what she said, sent it and the inaccurate information is still displaying on my credit in error that was suppose to be correct in XX/XX/XXXX.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DE)

I matched with an individual on the dating app XXXX claiming to be someone who is in my local area and going to my local university. We began texting in which they then confided that they were actually XXXX. I did not immediately cut them off, messaging them that the situation was strange, feigning interest so I could let this person I perceived was real down easily when I would cut them off the following day. Instead, I got a text claiming that it was the individuals father and that they had gone through her phone following a XXXX breakdown and XXXX attempt and found our text messages, and were considering contacting authorities. Following my reply in which I stated I was interested in speaking with the authorities, I received a phone call that had the caller ID information of my local police department, down to the actual phone number used in non-emergency situations being listed as the phone number. The man on the other end of the line said they were with my local police department, and if I knew the individual in question, proceeding to tell me my actions in communicating with someone under XXXX was illegal. They then said if the family handled matters externally from the police department, and did not opt to file charges, then a warrant would be issued for my arrest. The phone call ended there. I then began texting the father of the individual I had matched with, who expressed that they would cover half of XXXX  and XXXX  costs in exchange for me covering the other half, and they would not press charges if that occurred. I was then once again contacted by the police who reiterated that if I did not handle things with the family, I would have a warrant issued. After that phone call ended, and now that I was sufficiently panicked, I sent money via XXXX to the email address they provided, with the last message I received from them being a message declaring they received my money.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

I ALWAYS pay my credit card bills IN FULL plus some amount to cover estimated charges between bill issue and payment. Chase VISA does not make interest income off my account except when they can manufacture a " gotcha. '' On XXXX I paid Chase {$7500.00} for XXXX Visa charges. Because I was going on an extended business trip XXXX, I pre-paid my XXXX Visa bill of {$8500.00} on XXXX. The gotcha? Due to " billing cycle policy '' I was charged {$180.00} late fee " because no check was received in XXXX. '' So, after forking over {$16000.00} to Chase Visa in XXXX, {$8500.00} in PRE-PAYMENT, I receive a late charge for XXXX.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?
Consumer complaint received 2021-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Paid {$29.00} for credit reports from XXXX credit bureaus through Transunion 's website. When purchasing these credit reports, they never once made it clear that I was enrolling in a 7 day free subscription in which I would be charged {$19.00} plus tax at the end of. I would have never agreed to these terms had I known. These terms could possibly be in the pages upon pages of terms and conditions but it is definitely not evident or displayed where they want you to see it and is very fraudulent for a reputable company like Transunion to participate in. Many others have complained of this on the internet. I think action should be taken and they should be held responsible for offering refunds to those scammed into this 7 day " free '' trial!
Consumer complaint received 2022-03-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXXt Account # 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 a account without my written instructions.
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (IL)

Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Hello- Apparently you ran an escrow analysis on XX/XX/XXXX but a copy has not been received by me via mail or email. I logged into my online account today, XX/XX/XXXX, and only see the XXXX XXXX available. 

I then called on XX/XX/XXXX and the 1st female agent was unhelpful and said it was " provided to me on XX/XX/XXXX '' but not mailed until XX/XX/XXXX. I advised her that made no sense bc nothing was provided on XX/XX/XXXX, and if it was mailed on XX/XX/XXXX, I havent received it yet. She then acted like I was putting her out by requesting it, and said she would email it to me. I said okay.. and hung up. a few mins later I received her email and it only included the XXXX XXXX in error, and not the XXXX XXXX. 

I called back and spoke with a male agent on XX/XX/XXXX, and he said he would email it to me.. same thing.. he emailed the XXXX XXXX, not the XXXX XXXX. I made him stay on the line, and then he told me that actually the XXXX XXXX had not generated and it wouldnt generate until XX/XX/XXXX. 

If an XXXX was ran on XX/XX/XXXX, why would it take until XX/XX/XXXX to generate? Why isnt the XXXX XXXX uploaded online as of XX/XX/XXXX for viewing to support the new monthly payment amount I'm being charged? 

PLEASE PROVIDE A COPY OF THE XXXX XXXX, and mark the errors against yourselves for all concerns mentioned above ... misinfo, delay in providing statements etc.. Please pull and review the calls.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX around XXXX I received a text from SoFi asking if I spent {$220.00} at XXXX XXXX XXXX XXXX I did not and they then froze my card asking me to call them the next day. I called the next morning and was told there was nothing they could do until the transaction posted to my account but they asked if I wanted a new card. I said yes. Fast forward a couple of days, I asked for an update and they stated that there was nothing they or I could do but wait until the investigation was over. At this point Ive removed my direct deposit ( s ) and most of my money from SoFi. Im just requesting an update of some sort on this situation.
Consumer complaint received 2022-06-09
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. (VA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (MI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.