davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I have been attempting to get a line of credit on my home for the last 45 days. Experian has a freeze on my account due to a previous breach of privacy. I was told by my loan officer that the freeze was preventing him from pulling my credit. I went online to " unfreeze '' my account and put in all my personal information and answered the security questions correctly. I had a message pop up saying they couldn't help me, and in order to unfreeze my account I would need to send in a copy of my driver 's license, utility bill, etc. I sent this information 2 day mail on XX/XX/2019. I used my tracking # from USPS,  Tracking # XXXX and confirmed it was delivered XX/XX/XXXX at XXXX to the XXXX , TX XXXX I was told to mail my personal information to. I have still heard nothing from them and my credit it still frozen. I have now missed out on the special Line of Credit rate I would've received because of their incompetency to do their job. I have also called the XXXX phone number and it's impossible to get a live person. They ask for your information AGAIN, I tell them correctly AGAIN, and get the same recording to send in my personal information and get hung up on. This is unprofessional and unacceptable. How does a company with over 1100 complaints on XXXX still be an operating business. The FTC needs to take action and shut this company down. 
XXXX XXXX
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

We took out a loan in XX/XX/XXXX and have paid it off many times over. Apparently Caliber Home Loans has filed the fraudulent Assignment of deed of trust attached to try to keep this loan open and foreclose on my home. We have demanded an accounting and history of loan payments and they have refused. They do not own this Loan which was bought by Fannie Mae in XX/XX/XXXX. 

We have sent them the following Qualified Written Request ( QWR ) : We would like clarification regarding the following two documents : 1. ) Evidence supporting the attached Assignment of Deed of Trust. 

2. ) An Accounting of the Loan and specifically the Post Petition payments to you. 

We will be opposing your proof of claim filed in my recent Bankruptcy. 

Thank you for your attention to this matter as soon as possible.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CT)

I switched jobs and informed sallie mae i would not be able to pay on time. They told me that I would have a 15 day grace period and their would be a late fee. I said i would not be able to make it in that window. They said too bad you'll need to speak to collection the person i spoke with refused to let me speak with his supervisor. Wait a week until your bill os past due. When i called i discovered that my $ XXXX  monthly bill had a late fee which doubled it to XXXX. I sat on hold trying to get to collections for over an hour. I used their online customer service to temporarily change my payment plan. However my complaint is bring filed due to the predatory nature of their practice.
Consumer complaint received 2020-03-31
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2020-03-31
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)

SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-31
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-03-31
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. (AZ)

I was taken by ambulance to local hospital and billed as follows : Date of Service : XX/XX/XXXX Incident NO : XXXX RUN NUMBER : XXXX Amount : {$1600.00} by XXXX County Fire Protection District XXXX XXXX XXXX XXXX, CA XXXX Billing : XXXX Between XX/XX/XXXX and XX/XX/XXXX, I called and notified the billing office at XXXX County Fire Protection District ( XXXX ) numerous times that the VA was responsible for paying this entire bill. I was repeatedly told the claim would be re-submitted to the VA right away, and XXXX  would extend the due date for payment of the bill as long as they could 45 days each time. Instead of conducting business ethically, the XXXX sent this to collections in XX/XX/XXXX for {$1800.00} as follows : Account # : XXXX REF : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX Address on statement : XXXX XXXX XXXX XXXX, CA XXXX I also contacted this company and repeated the process as with XXXX, nevertheless the total bill became {$1900.00} and was sent to collections with XXXX XXXX XXXX. I had moved to AZ and never received this info until seeing it on XXXX I'm rated by VA at XXXX XXXX XXXX therefore the VA is 100 % responsible for this bill. 
Per Ms. XXXX at : VA  XXXX XXXX XXXX XXXX XXXX XXXX ( phone XXXX ) who spoke with me by phone XX/XX/XXXX at XXXX XXXX, the VA approved this claim on XX/XX/XXXX and failed to follow through and actually pay the grand total of {$1800.00} ( after accruing interest ) for it as well. 
Reference Number : XXXX The dispute for this was filed approximately mid-XX/XX/XXXX through TransUnion, then rejected XX/XX/XXXX and cited as NOT being an error. The TransUnion dispute website is currently unavailable or incapable of accepting new dispute case submissions, I hope you can help. Thank you for your time. 

Sincerely, XXXX
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (VA)

The dates that they have for when they are billing me, I wasn't even living in that state any more. I called them and told them that {$690.00} was showing up on my report, but that I had already moved out of state. They made no attempt to care or fix it.
Consumer complaint received 2020-03-31
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: ID Analytics, Inc. (TX)

Was applying for a car loan. XXXX XXXX  was one of the companies applied for. They denied me due to a credit report they had with Sage Stream. Never heard of them or used their services. Decision was mailed by XX/XX/2020. Score was extremely low. Feel that impacted XXXX 's decision.
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

XX/XX/XXXX To all parties concerning : After making a attempt to correspond with Congress Collection regarding a supposed debt owed. I am writing this letter to bring this matter to the attention of Consumer Financial Protection Bureau. This alleged debt was brought to my awareness upon viewing my credit report in late XXXX, XXXX. I hadn't received any correspondence from Congress Collection regarding this matter beforehand. On XX/XX/XXXX a letter was sent from me to Congress Collection via certified mail, exercising my right under The Fair Credit Reporting Act, Section 609. I requested that the company provide me ( in 15 days ) with information about the item reported that would validate this alleged debt. It is now approaching almost 90 days since attempting to make contact and I have yet to receive a response or proof that this item is owed. 

Regards, XXXX XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Hi this is XXXX XXXX XXXX .I have requested for my mortgage servicing company RUSHMORE ( Loan # XXXX ) for a deferment of mortgage payment for three month due to being layed off as a result of Corona Virus.I have tried several times to call them to no avial. 

their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH # XXXX Thank you for your help
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (IN)

The incident/phone call in question began @ XXXX XXXX on XX/XX/XXXX So tonight at approximately I received a phone call from my mobile device at XXXX XXXX, I ignored the number as it was listed as " unavailable. '' I work in a XXXX and at XXXX XXXX, an employee from another unit brought me a piece of paper that information containing a name and number : XXXX XXXX was the name and the number was XXXX with an extension of XXXX. I called the number not knowing who would be calling me. XXXX answered the phone and said he was from Midland Credit Services and stated that he was reaching out to me settle a debit of a little over 600 dollars from a XXXX XXXX credit card. He told me that the card was opened up back in XX/XX/XXXX and the last charged used on it was in XX/XX/XXXX. I informed that I have never owned a credit card. He put on the phone with his manager next. I honestly do not recall the manager 's name. He verified my address, my last 4 numbers of my social security number. I insisted that I have never owned a credit card and he began to try and convince me that my wife could be trying to use my information or try to steal my information. He had stated that the last purchase used with this card was at our local XXXX. I again said I do not own a credit card and he said this could negatively affect my credit and I need to get this resolved asap. I went on the offensive and said I find it shady that a credit collection agency would be calling me at XXXX. He said we are the largest debit collecting agency in the United States and insisted that I look up the information on XXXX XXXX and he offered to read the credit card number out to me over the phone. I hung up and called my wife. My wife insisted that she has never owned a XXXX XXXX card and told me to not speak to them and just hang up. I hung up with her and Midland called me back. I told them to not call me back again and he still insisted that he " wasn't trying to pull one over on me. '' and that " I'm not some guy living in a basement. '' At that point I hung up on him and blocked the number. I have read online that they are not an accredited company and that they threaten to sue you. I am very worried as I previous said, I have never owned a credit card and for him to insinuate that my wife was being nefarious behind my back, really upsets me.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I called wells fargo to close my business checking account. The call rep informed me my account would be closed I would receive an email within 72 standard hours. When I asked for an email during the call to confirm my account would be enclosed the rep insisted on 72 hours.

My account still shows as open and I have not received an email confirming my account closure. I have checked all my email spam folders for the email address listed on their file.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (AZ)

This company KLS FINANCIAL SERVICES which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (FL)

In XX/XX/XXXX I took out a loan with trust for {$2000.00} with the agreed amount to be paid back would be {$2600.00} if paid back on XX/XX/XXXX ( please keep in mind I have borrowed from blue trust loans before many times and have never missed a payment and paid the loans off quickly. ) On XX/XX/XXXX I paid {$730.00} on the loan and then asked if I pay the loan off on XX/XX/XXXX how much will I have to pay I was told {$1900.00}. On XX/XX/XXXX I called and was told I would have to pay {$2600.00} to pay the the loan off in full, I proceeded to ask why is there a {$700.00} fee after I just made a payment they said the loan increased by the day I proceeded to say that this not right and asked for a supervisor the guy then preceeded to tell me I just didn't understand was put on hold so he could get one, I hung up the phone after waiting for a while with no answer.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices Howard Lee Schiff, P.C. (CT)

On XX/XX/2019 Howard Lee Schiff PC took roughly {$2300.00} of Veteran XXXX Pension from my bank account. Ive called them multiple times and have sent them endless documents to which they closed the account and considered it paid. This is illegal, they cant garnish VA benefits. Ive provided them everything they needed to confirm my identity & bank information along with VA benefit information. They refuse to put the money back in the account.
Consumer complaint received 2019-08-22
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. (MO)

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.