davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (TX)

So, I don't get no billing statement in the mail, not a call from the original creditor or the so called debt collector Allied Interstate. 

I discontinued XXXX XXXX roughly two years ago, all equipment was sent back and received by XXXX XXXX. I was simply told that all my fees where paid in full and that I had XXXX  balance, I was even told that I wouldn't receive a bill because it was not necessary because of no balance being due.

Well Well, 2yrs passes by with no correspondence between myself and XXXX XXXX, No Statements, No Nothing. But then I get a credit monitoring alert, this alert tells me that instead of these two clown companies doing the right thing and contacting me first, they decided to attack my credit reports which is unfair and anti business like as well. 

I dont owe a balance to XXXX at all when I spoke with them last.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

Hello, To whom it may confer I submitted a hardship request to Affrm on XXXXXXXX advice I experience a XXXX XXXX impact which did not allow me to pay the current loan. I advise them Id make payment once my husband goes back to work in the New Year. I honored my arrangement and paid the loan in full on XX/XX/XXXX. I was reported 60 days late the beginning of XX/XX/XXXX. I immediately contacted XXXX to have this payment note deleted hence my contact and understanding of this hardship and the left my XXXX credit score account XXXXXXXX XXXX declined. This went against fair acts of my hardship request and hence needing the remark removed so my score is no longer impacted. I opened a case with XXXX and need an expeditious resolution as we are looking to buy a new home and can not move forward with this current. mishap. Affirm case XXXX case. Ive NEVER been late with payments through them and was ensure via phone the hardship placed on file will avoid any negative reporting back to credit bureau.
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Liberty Holdings, LLC (AL)

A company who identified themselves as Liberty contacted several family members and left messages saying they would come locate me at their residence. I called the company and they claim I'm being sued for something that I have no knowledge of. I've never been contacted and I never authorized contacting any relatives.
Consumer complaint received 2019-03-18
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. (IN)

I received a copy of my Equifax credit report and noticed that I have these inquiries. I have previously asked/disputed ( 2 ) times for these hard inquiries to be removed. I have not received any documentation providing any information regarding these inquiries and since this is this the case, I hereby request you method of verification for these inquires on my credit report ( both hard & soft inquiries ). You are required to have documentation providing my consent and permissible purpose. If you lack these documents, I ask you to delete these immediately. This is not a dispute ; this is a request for your method of verification.

- Must I remind you that : According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

Incorrect Personal Information Previously disputed. 
- I am requesting that you delete these inaccurate inquiries from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I now ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Former Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 : XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX This letter was sent Certified mail / Return receipt requested & Notarized. Litigation will be pending based on your actions per this letter. 
Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not receive a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT receive any credit from this company. Please have them remove the inquiry from my credit report.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CO)

I first received an alert from several of my credit monitoring sites that a Comenity Bank just took a hard look at my credit report! I then tried to call this XXXX bank to ask what the XXXX they are doing checking my credit reports and there is no way to contact these people without giving them an account number. I then tried online and same thing. Apparently this is for some type of an XXXX XXXX card credit card that I did not apply for, nor would I ever apply for. I am not sure if this XXXX bank and their tactics are a fishing attempt to get me to apply for this credit card. I take pride in my credit rating and when I loose points for these credit history searches that could cost me in the future from gaining the best interest rates on loans, it XXXX me off. I just received a letter from this bank about this credit card, that they need me to call them within 14 days because they have to confirm some information they do not have. Sounds like fraud or stolen identity fishing to me. I also went thru this situation about 15 years ago when several banks and credit collectors were contacting me about debt that did not belong to me but another XXXX XXXX with same middle name initial. That is what corrected that problem. I am not dealing with these XXXX banks. I just wanted to let you know in case this bank is pulling this XXXX on others, then hopefully they can do something about this. Also tell this XXXX bank to list a service number so I can stop this application for credit
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

Our home loan used to be with XXXX XXXX XXXXXXXX until it was sold to Selene Finance in the last couple of years. Due to XXXX, my wife lost her job and we lost our small business. We applied for a loan modification last year but the numbers they gave us were significantly higher than our current payment amount and so we appealed for a lower amount. We never received an answer in the mail ( although they claimed that they sent one ), and ultimately found out our appeal was denied, and that basically an appeal did not apply to our situation because we had been " approved '' ( basically take it or leave it ). Eventually we were told to reapply, which we did. We received a vague approval letter with no package of information. Upon speaking on the phone we learned the numbers are even more astronomical, approximately 75 % more than original payments on top of a hefty down payment. That being said, this was over two weeks ago and we still haven't received any actual paperwork. Throughout this process their communication has been lacking to say the least. Then somebody showed up to make sure we are still living here. We feel as though they are trying to push us out of the house.
Consumer complaint received 2020-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LD Holdings Group, LLC (FL)

I have loan I applied for 60 days ago. i have a XXXX credit score and a DTI of 25 %. i wasnt hearing anything so i called in and was told my dti was too high. I have only one debt ( my mortgage ) and a XXXXk base. i left messages with several managers at Loandepot but i could not get a single call back. all i wanted is someone to explain how the DTI was being calculated but i could not get a single call back. i left voicemails and emails for the loan processor supervisor 3 times and emailed. the loan processor supervisor 's boss. the loan office and the loan officer 's supervisor. no one could be bothered to call me. the last time i spoke with XXXX XXXX she couldnt explain any steps she had taken and just repeatedly told me that i should be just grateful that she called me at all.
Consumer complaint received 2023-03-03
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: ENCORE CAPITAL GROUP INC. (NJ)

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-06
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

In XXXX of 2020, the auto loan company Toyota Financial Services reported a 30 day late payment on my credit file during hardship due to the coronavirus pandemic. I have explained my situation to this company and they have proceeded to report my account without further notice In accordance with the fair credit Reporting Act, Toyota Financial Services account XXXX XXXX has violated my rights According to : 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-16
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)

Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.
Consumer complaint received 2020-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (TX)

I have a loan from the lending club ( loan # XXXX ) for {$14000.00} with monthly payments of {$570.00} and APR of 31.77 %. When the COVID-19 pandemic started they asked me to apply for a deferral plan where the payments will be postponed for two months as my father stopped working due to the pandemic and I had to cover my parent 's expenses. I paid the last payment on XX/XX/XXXX and then they deferred my payments of XX/XX/XXXX and XX/XX/XXXX to be on XX/XX/XXXX. When I signed this deferral plan there was no statement saying that I am not allowed to cancel it. So I thought I would cancel it when things got better because the APR they are taking from me is very high and will accumulate during these two months. In XX/XX/XXXX when I and my parents received the IRS stimulus check, I called them and told them that I want to cancel the deferral plan and pay the payments on time to avoid the extra interest, they refused to accept my money saying that the plan can not be canceled. 
I filled a complaint with them on XX/XX/XXXX, and another complaint on XX/XX/XXXX and third complaint on XX/XX/XXXX and they still do not cancel the deferral plan and still do not allow me to make the payments on time to avoid the high interest. I told them that this can not be right as they do not want to take their money back and all that they want is to keep adding interest although I am ready to pay their money back. I kept telling them that when I signed the deferral plan, there was no statement saying that I am not allowed to cancel the plan, so why they do not want to accept the money and stop taking an extra interest.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (DC)

American Express downgraded my status globally, from XXXX member to Platinum Member, and they refuse to reinstate my previously obtained through invitation XXXX status, a status for which I paid a lot of money for more than a decade. 

I provided proof of my status, and they insist on forwarding my request to XXXX, while they are an XXXX XXXX, their Global CEO and Chairman are located in the United States and they are responsible for operations all over the globe. 

It's almost XXXX what they are doing because I am not requesting an upgrade, they downgraded globally as a brand status and they must rectify that, and reinstate my already gained XXXX status. 

I am a member since 2000, they are mistaken when they say I am a new member of the Platinum Card in XXXX, they are not taking responsibility for the fact they are a global company headquartered in the United States, they control all other countries, and if I already got an invitation for XXXX status, they must respect it, they can not uninvite me, or ask me to wait for a new invitation, or they should invite me immediately to rectify this lack of respect.
Consumer complaint received 2023-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Sometime in XXXX, my loan got sold to Mr. Cooper from XXXX. 

XXXX I missed XXXX payment with my mortgage company. I was out of the country and forgot to pay my mortgage. I am still waiting for a phone call informing me of my mistake. Although they constantly harass me to refinance my house, and I have declined multiple times. 

XXXX Make the total payment of the account and put it in good standing since I had the money to do that. 

XXXX Mr. Cooper increased my payment from {$2500.00} to {$2700.00}. I called, and the second representative told me to submit my documents from my house insurance showing that I made the payments and have been with my insurer since I bought my house in XXXX. ( XXXX XXXX through XXXX ) and I have always made every payment. I have all the electronic receipts. I submitted all the documents, which were sent under review, and have yet to receive an email or follow-up information about my submission, so I assumed everything was fine. 

XXXX I called because I was trying to make my payment, but I noticed that the amount was the same, so I called to see what was happening. Another customer services representative said that my account was not allowed to have escrow because I missed XXXX payment. However, my insurance payment is paid all to XXXX. I asked to talk to a supervisor. After XXXX minutes of waiting, they hang up the phone. I called several times after, and I tried to reach someone. The call is mute, but the phone call is active. I have screenshots and a video of the phone call to Mr. Cooper. It appears to me that they have flagged me since I requested to speak with a supervisor. 

They have also assumed that my property taxes will increase by {$1000.00} when the average increase for my property taxes in the last XXXX years has been {$220.00} per year.
Consumer complaint received 2022-06-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Experian in XX/XX/2017 that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. Perhaps this person was new at Experian and hit the wrong programmed reply button.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter from Transworld Systems Inc ( debt collector ) on behalf of a former employer, XXXX XXXX. The letter stated I owed {$5900.00} but didnt explain why. I also never received any notice directly from XXXX XXXX requesting payment. My credit score could be impacted without me knowing why.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (VA)

A XXXX XXXX loan I had was reported as not being paid off. However ; as part of a debt consolidation program it was paid off years ago. The reported loan amount on a warrant in debt I just received is gravely incorrect. It has since been sold to XXXX XXXX XXXX XXXX who is using Scott & Associates , P.C . to sue. Additionally, the account has been sold off to numerous owners and therefore the information regarding the balance can not be valid ; as there is no guarantee that whatever balance they thought was originally owed is what was report. I have received two warrants in debt ; but have never received a notification prior to the warrants that they would be attempting to sue for payment. Additionally, the debt they are attempting to collect is 6 years old as the credited account was opened in XXXX. The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts.