davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (TX)

First Financial Investment has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
Consumer complaint received 2019-05-14
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. (TX)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I filed a FTC report and I contacted the local police department. I'm doing this on my own behalf. XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

a mortgage account was opened in XXXX for {$35000.00}. It was settled to {$28000.00} in approximately XXXX. I called the company, SPS to ask them to fix the mistake that was on my credit report, I was told ( as per the company ) that the account has been sold. However, it is now listed on my credit account as being owed at {$100000.00}. I called the company, SPS in XX/XX/XXXX and was told that it was sold to XXXX   XXXX XXXX. They are listing their original loan along with the XXXX XXXX XXXX loan in one account with an account number and amount that is not accurate. I complained to SPS and did not get assistance. They have yet to rectify the account amount with the 3 credit reporting agencies. The credit agencies have not removed the accounts from my report.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

portfolio recovery has repeatedly claimed I owe a debt of XXXX with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC. (VA)

For last 10 years I have received calls about a debt with kay jewelers that I never owed and was fraudulent after Kay jewelers sold debt to a collection agency over the last decade I have been contacted by multiple collection agencies trying to collect the fraudulent debt repeatedly I ask all agencies to verify proof of debt as I never nor will I ever shop at Kay jewelers and as expected no response from any to verify debt and no return call till another agency who has purchased the claim contacts me as of XX/XX/2019 I received a letter stating notice of bank levy from XXXX XXXX XXXX XXXX but was never sent any correspondence to allow a defense against a bank levy for a fraudulent debt the letter contained my name and social which is scary to know companies like this have it now thanks to original fraudulent creditor Kay jewelers I tried contacting XXXX XXXX XXXX XXXX to discuss bank levy mailer and only got a voicemail box to leave name and number left multiple message over last 30 days with no response tried to look up company online and couldnt find anything about this XXXX XXXX, CA XXXX based company XXXX XXXX XXXX XXXX I am tired of the constant harassment and uncertainty this matter has had me endure and would like to come to resolution as at this point I feel violated by the continuous attempts by debt collectors to collect this fraudulent debt that still to this date a decade later has not been verified by anyone or resolved and it has continued to be passed along from companies who tried to collect debt but sold debt once realizing that wouldnt be able to verify it for me being it is fraudulent debt owed
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1..This account is not mine, I am a victim of identity theft. Please remove it form my credit report XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit System has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX, XXXX XXXX withdrew {$1800.00} from my checking out with USAA. I contacted USAA to ask when XXXX last attempted to collect money funds from me. They stated XX/XX/XXXX XXXX attempted to withdraw a payment and was unsuccessful. I was not contacted by XXXX in any way to inform me that I still owed a debt and they would like me to pay. I contacted XXXX. They explained that I took out a loan XX/XX/XXXX. They explained they sent emails from XX/XX/XXXX-XX/XX/XXXX to collect the debt and made several attempts to collect the monthly payment and had been unsuccessful. However, no mail was sent to me and I did not see any emails. Months went by with no word and completely unknown debt. They stated that if I wanted to loan again, I could. USAA conducted an inquiry and deposited the {$1800.00} back into my account on XX/XX/XXXX. I felt relieved that a company could not randomly withdraw large amounts of money without notice. However, on XX/XX/XXXX, the money was withdrawn again by USAA. However, no explanation from USAA was given as to why they took back the money they returned. As a single mother of a sick son, I can not handle the not being notified or at least be given notification to settle a debt with arrangements. I do not feel USAA should have taken the money without explanation and I do not agree that XXXX ( or any company ) is permitted to withdraw funds from an bank account whenever they feel. I should have been given written notification with an opportunity to settle the debt.
Consumer complaint received 2019-05-14
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. ()

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

i have written XXXX and Experian to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I learned on XX/XX/2019, via mail that a vehicle had been purchased in my name from XXXX XXXX XXXX in XXXX, NC, on XX/XX/2019. The vehicle was sold on a loan made by Bank of America for the principal amount of {$84000.00}. Upon discovering this loan was made, I immediately contacted Bank of America and they confirmed the loan had been made. On the same call, I advised Bank of America that this loan was fraudulent and that I did not make it nor authorize it and determined that my identity had been stolen. I was notified by the Bank of America representative on the call that their fraud department was closed for the evening and that I would need to speak with someone the following day. The representative advised me that I would need to submit a police report for the case. I opened a case that very evening. After contacting the XXXX XXXX ( GA ) Police Department ( my  local department at the time ), I was notified that I would need to open a case where the fraud occurred, but they did issue me an incident #, XXXX. I contacted the XXXX Police Department and opened case # XXXX. I then contacted XXXX XXXX XXXX the evening of XX/XX/2019 and notified them that the vehicle they sold was not to me and that I did not authorize the use of my name nor credit, and they had sold the vehicle to someone using my stolen identity. 

XXXX XXXX of the Bank of America Fraud Division contacted me the following day and informed me that she would send me paperwork asserting my denial of financial responsibility. I completed the forms, had them notarized, and submitted them via registered mail to the Bank of America office in XXXX, CA ( XXXX, XXXX XXXX   XXXX, XXXX, CA ). I was notified by Ms. XXXX on or about the week of XX/XX/2019 that she received the paperwork and that I would have a decision within 30 days. 

After a number of follow-up attempts with Bank of America, with absolutely no response from them via email or phone, I was finally contacted today by XXXX XXXX in the same department. She notified me over the phone that the loan was deemed a non-fraud case, which is an absolute farce, because I never authorized the loan. As importantly, Bank of America did not notify me, neither through phone nor mail nor email that the case had been resolved. I had to leave numerous non-returned voice mails before someone contacted my back on XX/XX/2019. Bank of America maintains that I owe them for a loan I did not make nor had any part of. This has negatively affected my credit and prevented me from obtaining credit. Additionally, Bank of America sent me a harassing letter maintaining that I need to register a vehicle that I don't own nor have ever seen in the state of Georgia, or be in default of the loan terms.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XX/XX/XXXX SPS sent the Repayment plan to me with a XX/XX/2019 1st payment due day XX/XX/XXXX I made the 1st payment through XXXX XXXX, as they instructed XX/XX/XXXX I received the letter saying Repayment program was withdrawn because 1st payment was not received XX/XX/XXXX I sent an appeal to the withdraw and NOE SPS tells me they do not an answer to my appeal and are continuing with the foreclosure sale, which is dual-tracking They explained they will have answer on XX/XX/XXXX, which the Saturday before the sale. The sale is to take place on XX/XX/XXXX, that will lessen my legal opportunities once they reach a decision to my appeal,
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. Equifax Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019
Consumer complaint received 2019-05-13
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: Sarma (TX)

I have an unauthorized hard inquiries. I did not authorize for these companies to pull my credit. I am demanding that these unauthorized inquiries be removed from my credit reports w/ all three major repositories. If these companies refuse and state that I did authorize this, I demand for an application w/ my wet signature be sent via mail to me. If these companies can not provide this info I ( once again ) demand that these unauthorized inquiries be removed from my credit reports. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018 ( I told the sales counselor not to pull my report because I had gotten approved already from a financial institution ) SARMA- Pulled XX/XX/2018
Consumer complaint received 2019-05-13
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NJ)

I am the Executor of the Estate of my Parents XXXX ( DOD XX/XX/XXXX ) and XXXX ( DOD XX/XX/XXXX ) XXXX. They had a reverse mortgage on their home. In order to sell it and to satisfy the debts it needed to be repaired to get a certificate of occupancy which we received in XX/XX/XXXX when all repairs were completed. Since the date of my mothers debt I was told to communicate to the lender, Plaza Home Mortgage of all efforts to sell the house in the interim which i dutifully did. I was told that I would have until XX/XX/XXXX to sell the home before foreclosure proceedings started. In XX/XX/XXXX we got an offer to purchase the property at XXXX XXXX XXXX XXXX NJ for {$170000.00} more than the reverse mortgage. I communicated this offer immediately to Plaza. Almost instantly i began to receive foreclosure notices from their law firm in NJ XXXX, XXXX and XXXX demanding that the debt be satisfied by XX/XX/XXXX. I called Plaza and they said that they are required by ls to start foreclosure proceedings 1 year after the DOD of the last named owner of the home. I am now being subjected to mass mailings from the predatory lawyers for demands of foreclosure on the home even though i have explained that we have a pending offer. We have to pay for each of these letters even though they are not needed. I think that this is scam to make money for the law firm. I called Plaza repeatedly and was hung up on, told to " deal with it '' and hopefully the house will be sold before it is foreclosed. I do not think that this is in the spirit of the reverse mortgage program. I complied with every instruction and date given to me by Plaza and was told that i had until XX/XX/XXXX to sell the house. Being in foreclosure make sit more difficult to sell a home and its worse when accumulating legal fees from a predatory law firm that i have no control over
Consumer complaint received 2019-05-13
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. (NY)

I contacted company to ask a correction on the lenght of credit history with the XXXX XXXX XXXX. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with Transunion correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

At XXXX XXXX store, they asked me if I want credit card I said no and they asked if I want reward card that I can collect points and I said yes. Their reward card basically a credit card which they didnt tell me and I never received. Couple months later I get a call that I owe {$96.00} from the {$35.00} purchase that they said I did 2 months ago. They charged me {$61.00} late fee. I never received any bill, I had no idea I had a credit card and I dont even know if its my purchase. They are tricked me. After this experiance I asked my friends if they had XXXX XXXX XXXX card. They were all tricked by that too and one of them had to pay {$240.00} dolar for the {$5.00} purchase she made a year ago because of the fee
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

This account from Santander Consumer USA is not my financial obligation and is hurting my credit score. I filed a dispute with XXXX, XXXX and XXXX  on XX/XX/2019 and to no avail this derogatory account is still listed on my credit report. I have not heard from any agency in response to the accounts validity.
Consumer complaint received 2022-03-02
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. (FL)

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. XXXX sure that someone hacked my account and used my private information
Consumer complaint received 2019-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.
Consumer complaint received 2019-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Afternoon I want to see if I have a case against Wells Fargo pertaining to my mortgage. I have paid an escrow shortage for the past 3 years and they have still went up on my mortgage I recently just paid {$710.00} on top of my new mortgage {$3400.00} new rate. Im on a Fix rate at 3.5 %, I completly understand living in XXXX. County and taxes are the terrible but I have always been upfront with Wells Fargo and asked for them to provide the shortage amount due to the increase of the taxes so i can pay and maintain the same dollar amount of my mortgage. Each time I have written a check they have went up on my mortgage after thier analysis. 

My mortgage went from {$3300.00} to {$3300.00} to {$3400.00}. All 3 years I have paid the shortage also this year I paid {$710.00} for the shortage and they still went up. 

At this rate Im scared to lose my house because they keep lying to me stating pay the shortage and your mortgage will stay the same. 

Thank you
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (GA)

The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX