davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
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: DISCOVER BANK (CA)

Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover,  that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (VA)

I had interaction with this company on XXXX the XXXX at XXXX I spoke with a representative there that advised me that this payment would be sent over to XXXX  XXXX XXXX XXXX XXXX on the XXXX payment report. I waited until mid XXXX as advised by the representative and contacted XXXX XXXX to see if the report had been provided to them yet they advised that it has not. We contacted the company together and XXXX XXXX was advised that payment has been made in full with no issues and the payment wouldnt be made to XXXX XXXX until the end of XXXX when they submit another report this is unacceptable and they have had ample amount of time to get this resolved! Then yesterday I was notified by my credit report alerts that this account was updated as still negative which I disputed with documentation of payment!
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

In 2016 I settled an outstanding XXXX XXXX bill and negotiated an amount and paid it in full. The debt collection agency ruined my credit with this and my credit report reflects it was paid in full. I added a statement to my credit report explaining what occurred. Now 5 years later they are again trying to extort money from me. This has to cease ; they can't just continuously harass me about a 5 year old debt that was settled. This is fraudulent practices and someone needs to stop this extortion and fraud.
Consumer complaint received 2022-10-21
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: Resurgent Capital Services L.P. (GA)

XXXX failed to verify the Collection/ Closed account and balance amount being reported for LVNV FUNDING LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (OH)

On XX/XX/2021 at approximately XXXX eastern time Consumer portfolio called a relative of ours and left a message stating they were trying to get location of our vehicle for repossession and wanted them to call back with information. They have contacted another family member multiple times a day even after she has requested them to not call her. Consumer Portfolio has also told us multiple times when we've made payments that they would move the past due to the end of the loan to help us, but this has not happened.
Consumer complaint received 2022-10-10
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)

My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (TX)

The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " Calvary Portfolio ''. XXXX  the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
Consumer complaint received 2021-09-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I enter the Covid forbearance plan and resume my regular payments 8 months ago. Since then I have tried to be qualified for a deferrement option but every time I apply their system automatically denies the option for a Loan Modification citing as the reason for the denial that they can not modify the Loan because there is not enough reduction to the monthly payment. 
I have called numerous times asking for an escalation because I am not looking for a reduction on the monthly payment, I can continue making my regular payments as I have been doing for the past 8 months but they keep on changing their answers for the reasons of their denial depending on who picks up the phone. First they said I didn't qualify because I was not up to date when the Forbearance started, then the investor don't offer the solution, etc. They say the only way to retein my home is to pay $ XXXX at once when the plan stops. 
I can not believe they would do such thing without even looking at my documents, and without considering that I have already resume my regular payments. They would not escalate for me to be able to talk to someone who would take a hard look at my personal situation. 
I've been in my home since 2004 and have paid close to nothing technically, and they wouldn't even treat you like a person, closing all doors. Do they think one would not pay if able to? To the risk to loose their home? Who, who's gone through the COVID hardship will come back with all the money at once? 
I believe this is inhumane and unacceptable and there should be someone who can stop these people to try to take your home from you.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (TN)

1. ( Pay pal credit put a unlawful hold on my account ) To whom is concern I rather not take this route but after being played phone tag with and listening to recordings of offers of rebate cards I have to try to get my situation dealt with from a top down to the bottom my problem with PayPal is they're running a transaction through a card that I did not authorize so in doing that sometimes that card is attached to a bank account and if you run that through my bank account it can end up with an overdraft the transaction was over {$600.00}. 
2. I am claiming that Paypal played phone instead of lifting on the account, that is on PP end not the bank.
Consumer complaint received 2022-01-19
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: MONEY SOURCE, INC., THE (CA)

1. I set up a recurring monthly payment in my personal account on the money source ( https : //www.themoneysource.com ) for my mortgage monthly payment on XXXX or earlier. 

2. I received an email from " the money source '' named " Recurring Payment Confirmation '' in which I was told " This email is to confirm that following your request, we have established automatic drafting ( " auto draft '' ) for your monthly mortgage payment. The first auto draft will occur on XX/XX/XXXX ". 
I also received a paper letter from the money source which told me the same thing after a few days. 

3. Nothing happened on XX/XX/XXXX and even XXXX XXXX, but I didn't know that, until XX/XX/XXXX I suddenly found the recurring payment didn't work. Because there was a late payment record appeared on my credit report. My credit score drops almost XXXX to XXXX and my wife 's as well 4. I made the 2 months payment on XXXX XXXX. I explained reason is not on me and asked the creditor to remove the late payment record. I was told they submitted a request but could not guarentee. 

5. I wrote to the money source through their message system on XX/XX/XXXX. And they asked me to call them. 

6. I called them today XX/XX/XXXX. They refused to remove the late payment record on my credit report. One of their manager told me they had send me a posted mail telling me that they turned off my recurring payment. But I never received such letter. And I don't know why they didn't send an email to me as well this time. 

7. I have to file the complaint here since it is not my fault to make such a late payment. And the money source -- my creditor refuses to correct my record. My credit score is kept well, I don't want it destroyed by the creditor 's mistake. 

8. I have the email and paper mail copy attached.
Consumer complaint received 2021-09-23
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. (PA)

XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (CA)

Loan officer XXXX XXXX quoted me a rate of 2.5 % APR prior to the application but having all pertinent information for a refinance. ( My loan is already with HomePoint ) He asked that I fill out the application, and upload all my information.

After one day he called back saying he misquoted me because he ran the scenario as SFR vs. my condo. Although he had this information prior quoting me the rate.

After uploading all docs and review and many conversations and emails. We agreed to 2.625 % {$1700.00} in fees.

They quoted and said they locked in a rate of 2.625 % {$1700.00} in fees. One day later they said they cant honor it and will price the loan at 2.75 and {$1700.00} in fees. 

Classic example of bait and switch.
Consumer complaint received 2021-09-23
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: TRUIST FINANCIAL CORPORATION (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Regional Acceptance Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NV)

The company has no way of contacting them and takes long processing it also have predatory ways to make payments and can not set payments on auto. If you make a payment it may take 7 days to process and another 7 to be applied. I submitted a payment XX/XX/21 but it wont be applied until XX/XX/21 and will be after XXXX when the payment is applied. They also literally have no way of reaching out to them. Once you choose Customer Center is redirects to the login page.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

For a year now, Ive tried to work with all three credit bureaus. To date people have my information due to identity theft. I found out through XXXX, that I was sold on the dark web for years. Ive gotten so many disputes taken care of but then I go to XXXX XXXX, and they have not updated anything. And to date people are still trying to get credit.There are places of employment they said they verified thats not true because I never worked at these places. In XX/XX/XXXX and then all these other dates I know where I was that and I dont even know these places of employment. Though they say they verified it thats an impossibility. Midland funding, XXXX finally settled my dispute and shut them off, the other two have not. I have disputed addresses I have disputed false names I have disputed false phone numbers, and I have disputed all these hits on my credit that are not me. Id like to add that my bank account two months ago was emptied and Im still trying to deal with my bank. Ive been mirrored by an XXXX XXXX, they managed to mirror all of my emails, Im trying so hard to get them to listen to me to just hear me and they wont help. Every time I dispute they say no its accurate, no its a complete inaccuracies.I need help. These go back date wise so far even up to today. There are so many things Ive disputed Ive proven to be true, credit bureaus dont want to help. Please help me.
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (OR)

On XX/XX/2021, Navy Federal Credit Union failed to reverse my loan payment in the amount of {$280.00}, and stole the money out of my account without my authorization. I spoke to XXXX from XXXX and she refused to return my money. She then told me to hold on and will get a supervisor to talk to me about the issue. 
XXXX was a nasty supervisor who refused to reverse my money that Navy Federal Credit Union stole and instead hung up on me. I told her that I only had {$42.00} in my account and she didn't care. She said, that my loan was delinquent which was 1 day late. I didn't set up any activity to pay the loan and did not authorized Navy Federal Credit Union to deduct my money from XXXX XXXX XXXX. I will remove my XXXX XXXX XXXX checking account from XXXX XXXX XXXX. 
Prior to that, XXXX told me to write a letter requesting that my money be refunded. 
Navy Federal Credit Union has nasty employees and Supervisors like XXXX. I am a XXXX veteran and never been treated like that. 
In addition, I called and spoke to XXXX of the customer representation to pay the amount of {$83.00} towards that loan only.
Consumer complaint received 2021-09-23
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)

XXXX, XXXX and TransUnion sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX  made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Consumer complaint received 2019-12-26
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. (TX)

On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.