davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

Credit Collection Services used an incorrect address in all of their communication attempts. The initial biller, XXXX XXXX, also used an incorrect address. Therefore, I never received any communication from the collection agency or the biller about this liability. 

The debt was paid immediately after I discovered it, after applying for a mortgage and it learning that there was a medical collections on my credit report.

I've attempted to work with both the biller and collection agency to have the collection removed from my credit report, as they failed to communicate with me. Both have been unwilling to assist.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I have had received several contacts from XXXX Portfolio Services in reference to an alleged account that I owed to XXXX XXXX. In an attempt to stop contact I agreed to XXXX offer to settle an account with paying XXXX XXXX dollars. They agreed to delete account from the credit bureaus that they utilized ( XXXX, XXXX, XXXX ). XXXX lied and utilized tricky methods to get me to pay this allege account. Knowingly having no intentions of deleting account. XXXX carried out deceptive method to trick me to pay this account.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

I sent the credit bureaus letters asking them to verify the debts on my report on XX/XX/2022. They have completed the investigations stating that the debts were verified or updated. Today XX/XX/2022, I pulled another credit report and this report is still report inaccuracies. 

I have attached the letters sent to each bureau. 

screenshots of the response also attached is pages related to each account from my updated credit report, highlighted inaccuracies. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (NJ)

I applied for employment at XXXX XXXX in XXXX, Nj, I was told a background check was to be conducted after I was offered employment. The company by the name of " First Advantage '' showed on their report that they did a search between the dates of XXXX, In their report came up criminal charges from XX/XX/2015 and another one from XX/XX/2015. If the background check only checked for the dates between XXXX how are things from XXXX ( which is eight years old ) showing up when legally the maximum amount of time for jobs paying under {$75000.00} a year is 7 years?
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

XX/XX/2020 Dovenmuehle I started the process of recasting my mortgage with Dovenmuehle Mortgage Company XX/XX/2020. They sent a letter with instructions and I complied. XX/XX/2020 they sent me a package to sign and have notarized. The fee for the recast was {$300.00}. They also charged a fee for an escrow fund of {$300.00}, which I do not have. The special loans department that handles this does not take phone calls or respond to emails. I can not contact the special loans department to fix these issues. No one can help me. It appears they are refusing to return the error they made of {$300.00} in their favor. I have contacted Dovenmuehle many times. They have a bull pen that you contact meaning each time I contact them I get a new rep so I have to start over with the issue each time. I always ask for a manager and get transferred to a manager and again I have to repeat the issue and they can not resolve it. Two times when I was on hold with the manager while they were trying to get information and they lost my call they did not try to contact me, I had to contact them again each time and start over with a new rep. I was told they were not allowed to contact a customer if a call was lost. They say they are sending the money for the error to me but, I never get an email, phone call, letter or the money regarding this. I was also told when I sent the money to put on my mortgage it would go to the special loans department. I have not signed any paperwork at this point. I found they put the money on my mortgage without my consent. They have not corrected the figures and did not send disclosures of fees etc. At this point I can not get any pertinent information. 
XX/XX/2020, They supposedly fixed the issue with the escrow fee. But now they claim I sent in a payment on XX/XX/XXXX and the bank returned the check. This did not happen. Here is the sequence of payments this year. 
I sent in regular payments on time of {$1100.00} on time XXXX, XXXX, XXXX. I recast my loan in XX/XX/2020. I sent in 2 payments of ; {$57000.00} and {$91000.00} totaling {$140000.00}. {$140000.00} went to the loan, {$300.00} was for the recast fee and {$1100.00} was for a payment. 
So I was a head on payments one month and I sent in payment for another month that covers XXXX and XXXX. 
Then I sent in payments XXXX and XXXX. There are no bad checks or returned checks. All payments were sent in properly. Yet they still want another fee of {$300.00} that they can not explain. They are the worse company I have dealt with. They will not let me talk to the loan department. They have made a simple recast a nightmare.. If I do not the unaccounted fee of {$300.00} they will hit my credit and send to debt collectors or worse. 

I can not change who services my loan. 
All of the above is completely unacceptable
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Selip & Stylianou, LLP (NY)

Date not sure but the year was XXXX XXXX XXXX XXXX was notified that there was merchandise stolen from the lobby and they said nothing can be done about it I did speak to XXXX XXXX  and was advised that they would handle it which they did and now in XXXX while trying to consolidate my credit cards and this open up and I did check the XXXX credit bureau and this didnt appear on my reports I contacted the collection agency several times and they said they would tell XXXX XXXX  what happened for the last several years I am paying child support and my employer sent several letters to them and the collection agency was very uncooperative threatening me with the XXXX  and said there was a court judgment which I had no knowledge of it if I did I would have appeared in court please help I can use some guidance with this matter
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

I called Specialized Loan Servicing LLC ( SLS ) at XXXX at XXXX EST, on XX/XX/2020, to state that I would be switching homeowners insurance companies from XXXX XXXX XXXX  XXXX to XXXX XXXX . The SLS rep told me to call their escrow line at XXXX. I did so at XXXX XXXX EST, and I requested that no payment be made from my escrow account. I was assured the payment of {$1300.00} had not, and would not be processed to XXXX XXXX XXXX  XXXX. 

Today, XX/XX/2020, I received an e-mail from Specialized Loan Servicing LLC which stated that they had made the payment of {$1300.00} to XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing LLC, through its incompetence, has stolen {$1000.00} ( the payment caused a negative balance of {$280.00} ) from my escrow account. 

Thank you.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for a mortgage with USAA. The initial application was on XX/XX/20. I had never received a letter or call regarding the status of my application so I went online to ensure I had applied and resulted in an additional credit inquiry on XX/XX/20. When I called to inquire about my application, which by this time realized my credit was pulled for a second time, I was told by a representative that she will have to deny my application because there is a fraud alert on my credit report and she is unable to verify my identity. Ive been a member with USAA for more than 10 years and have never had any issues until now. I have an extended fraud alert on my credit report due to the XXXX data breach a few years ago where my personal information may have been released. The mortgage lender I applied with after my denial with USAA had no problem asking for a copy of my drivers license and a written and signed letter to confirm I was who I say I am and I was approved with no issues. USAA did not offer this option at all. They are not supposed to deny applicants based upon a fraud alert that is there for their protection and decide to deny them without asking for any other information to verify my identity with. Very dissatisfied with the service I received as a more than 10 year member.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (NV)

I opened an online savings account with Comenity Direct Bank in XX/XX/2021 by depositing eighty-thousand dollars. Due to a death in the family on XX/XX/2021 and an immediate need for my funds, I requested that the account be closed and the funds sent by check overnight. The bank said they preferred to send the funds by electronic transfer. I said transfer the funds to my linked XXXX XXXX  account. On XX/XX/2021 they said they would transfer the funds, and it might take 3 to 5 business days. The funds were never transferred. I made numerous phone calls to Comenity Direct to get my money. I spoke with numerous employees, including XXXX, XXXX, XXXX and XXXX. They all failed to solve the problem, and they all refused to give me the name and phone number of a bank executive. On XX/XX/2021 I spoke with XXXX, who said she was an executive. When she refused to give me the name and number of any corporate executive, I asked and she agreed to have a bank executive call me the next day. No one did. I am a XXXX year old male and the bank is guilty of senior abuse and apparently brank fraud.
Consumer complaint received 2021-02-08
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: TD BANK US HOLDING COMPANY (TX)

I AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 XXXX. XXXX
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

On XX/XX/XXXX, I checked my credit score monitoring service online. I noticed a red star, which means I had a recent alert. It was a collection, filed by National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA XXXX. I was informed by XXXX XXXX at National Credit that the collection was for an apartment rental at XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I have NEVER live in XXXX at XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX since XXXX. XXXX sent me a form to fill out and return to National Credit Systems. I file a police report with the XXXX XXXX Police Department. That police report number is included on the form sent back to National Credit Systems. I visited the XXXX at XXXX XXXX apartments and attempted to get copies of documentation showing the use of my social security number and/or birth date. The manager refused my request, The manage informed me that the collection agency had all the documentation and would send it to me upon request. I requested the lease and rental application. National Credit Systems sent the lease but refused the rental application. My social security number nor my birth date are displayed on the lease. Also, the signature on the lease is not mine. The signature is XXXX XXXX XXXX. I am XXXX XXXX XXXX, XXXX. The collection agency has refused to investigate any of my claims. XXXX, XXXX Police Department has not returned any of my phone calls. I'm stuck with a {$4200.00} collection account on my credit report. I am a businessman. I have business lines of credit that will be impacted by this mistake.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize the following companies to access my credit file, and therefore, these inquiries should be removed from my report immediately. The hard inquiries in question are : XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX on XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX to XXXX Until : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX to Remain Until : XX/XX/XXXX Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), hard inquiries should only appear on a credit report when the consumer has provided express written consent for a credit check or application. Since I did not authorize these inquiries, their presence on my credit report constitutes a violation of my rights under this provision of the FCRA. 
Additionally, 15 U.S.C. 1681c-2 requires that any information related to identity theft or unauthorized transactions must be blocked within 4 business days of receiving notice from the consumer. Since these inquiries were unauthorized, I am requesting that you block and remove them from my report as required by law.

Request for Resolution I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. If you need further information or documentation to proceed with this dispute, please inform me promptly. 
Please provide written confirmation that these inquiries have been removed from my credit report within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of these inaccuracies. 
Sincerely, XXXX XXXX
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: EQUIFAX, INC. (WI)

In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antidates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (PA)

XX/XX/year> My husband and I decided to use Wells Fargo for our home mortgage. We rate locked with Wells Fargo at 6.5 % no discount points XX/XX/year>. When filling out the initial application we submitted both me and my husband 's W2s as requested. They did not include my husband 's income in the loan application. I asked why, and they said that it was not required since my income was enough to qualify. Then, XX/XX/year>, a new document for a new interest rate at 6.5 % with XXXX in discount points was uploaded into our loan portal with no explanation. We reached out and asked why the interest rate is changing even though we already signed the rate lock. They said it was because they are now deciding to include my husband 's income in the loan process, which means that we don't qualify for some lower income interest rate reduction. Therefore, they locked us into the loan, waited until it was too late for us to find a a new lender, ( closing date is XX/XX/year> ), then changed the interest rate, and are not responding to my phone calls. The situation was escalated to their escalation team on XX/XX/year>. We received no call backs from the team. We called back everyday asking for updates. We only received one call back on XX/XX/year>, where they told us that they haven't done anything with our file yet but that they assigned a case manager. On XX/XX/year> the case manager stated she would call back within 48 hours with an update. She did not call back, and we have not heard from her since that call on XX/XX/year>. Since then we called back several times for updates, have been sent to voicemail, left voicemails requesting calls back, and have not received calls back. We are not being kept in the loop in the process, and they are not communicating with us. Our closing date is in a few days, and we don't know what our interest rate is. We need to report this for the predatory loan practices that they are utilizing at Wells Fargo, and the lack of communication and response to our complaint in a timely manner. 
XX/XX/year> We officially heard back from Wells Fargo, and they informed us that they concluded they are not going to adhere to the rate lock agreement. They did not give us an opportunity to speak on our behalf and did not involve us in the decision making process. They did not call us to give updates, only to tell us that they are not putting the rate back down. They waited to resolve the issue until it was too late for us to switch lenders. We had submitted a complaint with the XXXX XXXX XXXX, and they never even responded to the complaint. This needs to be escalated as far as it can go to warn people about these predatory loan practices.