davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (CA)

I had previously been contacted by another collection agency regarding this same balance. This balance was dropped off by the company before this one because this charges were a result of malpractice. Two months later I start getting phone calls from this new company called " Aargon Agency ''. They had purchased this bad debt from the previous company but I had told them over the phone that I had spoken to the previous company and that my daughter was XXXX at this hospital which resulted on having to reach out to an outside XXXX  who XXXX my daughter without a XXXX XXXX. When I clarified that I was not liable for this charge, they told me my credit will be damaged if this was not paid to them. Here are the details regarding this claim as far as why I do not owe this balance to anyone : This bill has been disputed due to malpractice by the ER staff at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).  My daughter was XXXX with a XXXX to her XXXX   which could not be confirmed by any XXXX XXXX on site. Due to the incompetence of the staff on this ER, my daughter was sent home without a XXXX on her XXXX and I was referred to seek the help of a XXXX. Three days later I was seen by a XXXX under my insurance coverage who took his own XXXX and confirmed my daughter had XXXX   her XXXX but there was no XXXX  to be accounted for. 
I had filed a complaint with the XXXX XXXX XXXX XXXX California under Substandard care ( eg. XXXX ). 
This debt has been dropped off my record as of XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2019-11-07
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. (TX)

Someone open a XXXX XXXX XXXX  Account number XXXX without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 

XXXX XXXX.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation (CA)

I lost my card so I cancelled it so no one could use it. I then realised the address on my card was not my updated address so therefore I changed my address on the app. And when I called card.com to see where my card was they told me that I needed to verify my address change, I said ok no problem. I sent over at least 10 emails to the email provided with everything that was asked such as pay stubs ID with by the way the same address that I'm currently residing because thats my address, you can probably see how horrible this is. Each time I sent my documents next day I got an email saying they cant verify a very clear photo of my documentations. This is very poor customer service as I have 70 dollars on my account that I can not use because they decided be terrible anyways this has been going on for about 3 weeks now They need to be held accountable for this. Again this is card.com.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

SSN Tracker Alert Associated Address Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Date reported to Experian no such address anywhere in the county
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (AL)

I have been in contact with Experian and XXXX many times about identity theft and have provided them with police report and ftc report stating the identity theft and they refuse to remove accounts and when I ask them why they keep saying they verified it and tell me the reason is internal information and the representatives are very rude on Experian there are two accounts reporting that are not mine XXXX XXXX and XXXX and on XXXX XXXX accounts reporting i would like these accounts removed and any other fraudulent accounts that are reporting ASAP
Consumer complaint received 2019-11-07
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. (CO)

XXXX  and Transunion are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.
Consumer complaint received 2019-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Pennymac USA has just imposed an arbitrary {$5.00} fee for payments made between the XXXX and the XXXX of the month. I believe this is a violation of the terms of the VA-backed mortgage contract which, of course, PennyMac bought the rights to service. Please investigate, and if I am correct and PennyMac is imposing an unlawful fee, take any and all punitive measures necessary to incentivize future compliance with contract terms.
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (FL)

This is my 4time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCPA. 
federal Fair Debt Collection Practices Act ( FDCPA ) As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed from my credit report permanently
Consumer complaint received 2024-11-02
Product: Credit reporting 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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2019-11-07
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: Union Home Mortgage Corp (FL)

I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " Union Home '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.
Consumer complaint received 2019-11-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for a VA mortgage through USAA, they sent me a pre approval of XXXX and then followed up with a loan contract and fixed interest rate of 3.5 %. The loan officer then stated that they could no longer offer me the loan and gave me the wrong credit information when I attempted to add my spouse as a co-borrower. They kept describing themselves as a conservative institution and that my business would be better elsewhere. This is after the loan officer stating that they completed XXXX VA loan the previous month.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-11-07
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)

Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ),  regarding credit reporting for a XXXX XXXX XXXX XXXX ( XXXX ) account. Thank you for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the XXXX account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have had to file this complaint MULTIPLE TIMES. EQUIFAX IS XXXX  GARBAGE WHO CONTINUES TO USE MY INCORRECT NAME WHEN I HAVE REPEATEDLY SEND THEM MY LEGAL DOCUMENTS TO PROVE MY LEGAL NAME CHANGE. THEY CONTINUE TO SEND ME EMAILS ADDRESSED TO MY PREVIOUS NAME WHICH IS VERY TRIGGERING AND UPSETTING, AND IN NO WAY REFLECTS ANY OF MY LEGAL DOCUMENTS. THEY REPEATEDLY CHANGE IT AND THEN CHANGE IT RIGHT BACK. THIS IS XXXX  AND UPSETTING EACH AND EVERY TIME. THEY REFUSE TO COMMUNICATE WITH ME OR TO CORRECT MY CREDIT REPORT. I LOST MY MORTGAGE THAT I HAD PREVIOUSLY BEEN PREAPPROVED FOR BECAUSE OF THEIR MISREPORTING. I LOST THE RENTAL HOME I APPLIED FOR BECAUSE MY NAME ON MY LEGAL XXXX DOCUMENTS DID NOT MATCH WHAT EQUIFAX HAD INCORRECTLY DISPLAYED ON MY XXXX CREDIT REPORT EVEN THOUGH I HAVE SENT THEM INVASIVE LEGAL DOCUMENTS PROVING MY LEGAL NAME MULTIPLE TIMES. I BECAME XXXX FOR OVER A MONTH BECAUSE OF THEIR GROSS XXXX AND NEGLIGENCE.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

ON XX/XX/2019 The Alabama housing authority contacted me regarding my mortgage telling me i was behind on my mortgage. I looked at my accounts and it showed that they have been drawing out the payments, and not applying them to my mortgage. They explained this was because of a system error, and they let something expire, so now they have told me that they are going to try and fix it but this I am sure has already hit my credit report, and that isn't my fault. They pulled my money, over 1000 a month, and I am sure have filed it against my credit. If possible please investigate, as that isn't fair and is coming across as extremely shady as a business practice. I want my credit restored.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One : Was charged a late fee for XX/XX/XXXXand XX/XX/XXXX because I made the payment after their cut off time of XXXX XXXX. It does not advise me on the website that it MUST be made before XXXX XXXX, just that payments after this time will post the next day. I work later, and was unable to make it before then. When I called to request it be removed they advised they couldn't do that because one was already waived earlier this year. Though the one that was waived was communicated with them that it would be late because my bank was sending a check for the balance at that time. They use to be about customer service, and now they are not.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

For the past year, my attorney and I have been able to somehow succeed with a mortgage modification through or with Shellpoint mortgage services. The modification should have been finalized in XX/XX/2019? However! I have little to nothing provided to me via Shellpoint reflecting the finalization. Unfortunately as of XX/XX/2019 I have yet to receive the new modification agreement! However the expectation to continue my over inflated payments has not stopped, and although my mortgage is now " supposedly '' brought current, I'm still dealing with a debt collection agency being " Shellpoint ''!? I'm now being told that I'm 1 month behind in payments and that on XX/XX/2019 an attempted account withdrawal by Shellpoint had been denied. Well, there was enough to cover the transaction on the date indicated, in the account assigned for the withdrawal. Also to further back my complaint, there is absolutely nothing showing within my account that would depict the failed attempt. No NSF notice from my bank, no call, email or mailing from Shellpoint. Nothing!! 
Also, within the supposed modification agreement, the new rate of interest being charged to me is a whopping 5.75 %! In a current market where mortgage rates are being written at 3.5 % or less I find the 5.75 % rate to be unsettling and unjustified. We have also received notice the case hads been dismissed in it's entirety without prejudice. However! There is no case docket listed within the county clerks records?
Consumer complaint received 2019-11-07
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. (NV)

My identity was used to to open a XXXX XXXX  credit line. 

Equafax was notified it was fraud from the credit provider and it is still showing on my credit reports.
Consumer complaint received 2019-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CO)

I have a loan through LoanPal for solar panels. The original loan was for {$36000.00}. The first statement was XX/XX/XXXX. The interest rate is a fixed rate of 3.99 %. I have noticed a wide variability with the monthly interest charged to me while I pay the loan down. Some months the amount of interest increases while I make significant payments to the principal. For instance, my XX/XX/XXXX statement showed and outstanding principal balance of {$27000.00}. The interest charged on that statement was {$88.00}. For XX/XX/XXXX, my principal loan balance was {$27000.00}. The interest charged was {$86.00}. In XX/XX/XXXX, my outstanding principal balance was {$26000.00}. The amount of interest I was charged was {$110.00}. The slight decrease from XX/XX/XXXX to XX/XX/XXXX would make sense with a fixed rate loan. The jump of over {$30.00} in interest from XX/XX/XXXX to XX/XX/XXXX despite paying over {$1800.00} towards the principal the previous two months does not. I will attach all statements that I have available to me along with my complaint. I tried emailing the companys customer service department on Monday XX/XX/XXXX, and I didnt receive a reply. Today ( XX/XX/XXXX ) I spent nearly 20 minutes on the phone this morning with the LoanPal customer service department. They assured me my loan is a fixed rate, and the amount of interest I pay should decrease as I pay more down on the principal. They were unable to answer me why the interest charged increases some months despite me paying down the principal. Their customer service representative encouraged me to get in contact with an accountant. I am filing this complaint after speaking with someone over the phone at your agency. I am concerned that LoanPal is utilizing shady lending practices, and would like some follow-up done.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (MD)

I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office. 

This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP (WI)

I visited Old National Bank branch ( address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) on XX/XX/2019, and Ms. XXXX XXXX helped me open the checking account with {$200.00} promotion. I clearly told her that the promotion was seen on Old National Bank web page when I showed her the web page printout before my account was opened. As I checked the fine prints on the page that there was no specific statement for eligibility, so I mentioned this to Ms. XXXX, and she confirmed that I should be eligible for this promotion. 
My account was opened successfully in the branch ; before I left, I asked Ms. XXXX if the code for the {$200.00} had been applied to the system during my account was opened, and she said she remembered no code was needed during the promotion period, but she would double check with her colleagues the next day, and would follow up with me later. However, I never heard from her saying anything in XX/XX/XXXX. and XX/XX/XXXX., so I followed the instructions to fulfill the requirements towards the bonus, including electronic statement enrollment, direct deposit set-up, and debit card transactions. 
After all the requirements were met, I sent Ms. XXXX an email on XX/XX/2019 to confirm whether all requirements were met ; however, in her reply email, she asked me to remind her if I received the flyer in the mail, and claimed only those who received physical flyers were eligible. This is obviously inconsistent with what she told me when I opened the account regarding the promotion eligibility, so I helped her to recall what actually happened when she opened my account ; because it was not my fault, but Old National Banks error for misleading customers in the situation, so I should not be responsible for losing the bonus. Therefore, the bank should honor the bonus as promised during my account opening. Also, since her email said differently with what she told me when I opened the account, I suggested her check surveillance camera in the branch to confirm what I was informed ; but she insisted that she personally could help nothing on the bonus, and she would escalate the issue. On XX/XX/2019 ( over two weeks from my first correspondence ), I emailed her that if I did not receive any progress from the bank on this issue in one more week, I had to file a complaint against the bank to get my bonus.