davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Verisk Analytics Inc (UT)

I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Consumer complaint received 2019-11-08
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: 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 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NC)

I have paid my mortgage since Selene increased my monthly payment amount unknowingly in XX/XX/2019. I also believe that Selene has made several errors with my loan.

Please help me determine what steps I need to take to get my monthly payment reduced and also to get my principal reduced. I spoke with a Selene customer rep in efforts of making a partial payment however my partial payment was refused. 

Also please help me determine why the servicer sent me a check in the amount of {$0.00}. I have called in on numerous occasions to discuss the check with the servicer however none of the representatives were able to explain the check.
Consumer complaint received 2020-02-07
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: EQUIFAX, INC. (IL)

Equifax credit report agency had a major data breach in XXXX. My information was hacked. The company did not even notified me about the data breach settlement that just past on XX/XX/XXXX. Therefore, I did not apply. I did file for an extended claim. But still that does not solve the problem. I did not have any subscriptions or features that I purchased from Equifax, but the fact my name was on the list of data breach is a crime. My personal information like SS, address and etc should be protected at all times. Thank you for reading and helping.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The company information is : Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA, XXXX Phone : XXXX These people are contacting me about a debt that is no longer valid. This debt has gone past the statue of limitations. The account number for this action is XXXX and is addressable to : XXXX  XXXX XXXX  XXXX XXXX XXXX CA, XXXX Portfolio Recovery Associates has been faulted with many many complaints about pursuing non-existent or irrelevant debts.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC (NJ)

I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

They are trying to collect a medical bill or a co payment for a medical bill. I am doubled covered with two health insurances. I have a XXXX  XXXX  XXXXXXXXXXXX  XXXX and I also have XXXX through the state of California. In the past two years, I have had XXXX  XXXX, major  XXXX  XXXX and with being double covered ( XXXX XXXX being the first and XXXX being the second. I am XXXX XXXX and they keep bothering me with this and making reports to the credit bureau. They are not billing the insurances properly and I have told them that many times.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CA)

Hello, First, thank you for taking the time to read and process my complaint. 
I may not have the exact dates of my first contact with XXXX  ( my mortgage loan servicing company ). But it is safe to say it occurred between XX/XX/XXXX & XX/XX/XXXX. 
After noticing an increase in my home value i reached out to XXXX to initiate a home appraisal for the purpose of removing my PMI. I was told it would cost {$580.00}, i found this to be too high as my research showed that the average appraisal cost in California was 500-530. 
After speaking to my realtor and members of his team, i was advised to reach out to XXXX to see if i could use an outside appraisal. XXXX told me that this wasn't possible, and the cost somehow went up to XXXX and i could not initiate the process without sending in a formal request via the portal. 
I sent the request but didn't hear back from XXXX for about 2 weeks, so i called again about 2-3 weeks ago. I spoke to a customer rep, who informed me that the portal ought to have been sending me information to my email. So, it turns out that vital information regarding my mortgage was not been sent over despite my email been correctly listed in the portal. Back to the issue at hand, the customer rep told me that after i sent in the request via the portal the appraisal would cost {$530.00}. What she failed to inform me was that i had to pay the fee while my request was been processed. Without this knowledge i assumed that my request was been processed, so i called this morning XX/XX/2020 to receive a status update. It was here that i was informed that i had to pay the fee before my request could be processed, and then the customer rep let me know that the fee for California was {$910.00}. As you can imagine i was utterly taken aback by this enormous fee especially given that i was just quoted {$530.00} 2-3 weeks ago. In fact, the customer rep confirmed that the notes on record showed that the previous rep had stated the {$530.00} quote. 
I have never been delinquent, and i am in good standing with my mortgage, all i ask is to receive a fair price for a fair appraisal and qualify to remove my PMI. I would think my loan servicing company would not be attempting to hinder the efforts of a client in good standing but i suppose this is not the case with XXXX.
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (FL)

I attended School at XXXX XXXX School in XXXX Florida. 

The school is owned by a driving company ; XXXX. 

The school advertised that their company guarenteed a job driving after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to PARAMONT CAPITAL GROUP ( {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to PARAMONT CAPITAL GROUP and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. PARAMONT CAPITAL GROUP agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. PARAMONT CAPITAL GROUP however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of PARAMONT CAPITAL GROUP who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship PARAMONT CAPITAL GROUP has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.
Consumer complaint received 2019-11-20
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

I reported XX/XX/2019 Identity Theft / Fraud where someone opened up a credit card with my personal information at WELLS FARGO. Wells Fargo approved this card. It was opened XX/XX/2019 while I was outside the country. Amount {$17000.00} is the balance owed on this card. Whoever opened the card paid 3 months which were XXXX XXXX and XX/XX/2019 then defaulted in payments. That was how I found out when it showed up on my credit report and my entire credit was destroyed. 

I have been back and forth with Wells Fargo for 3 months now and my last call I was refused an update and told to go to a Wells Fargo branch to find out new information, if any. 

I want this dispute resolved and removed from my credit report so that my credit returns to excellent. 
Please help, thank you.
Consumer complaint received 2019-08-31
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. (TX)

data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-08
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. (CO)

Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I have GAP insurance with XXXX XXXX and the insurance paid off the balance in full. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NY)

I received several bills from XXXX XXXX  in XXXX. As the bills came in, it became confusing as to what was redundant and which was new. After paying several of their bills, I began getting correspondence from a collection agency ( XXXX XXXX of the city of XXXX, license # XXXX ), demanding payment of debt owed. As each demand arrived, I sent payment not sure if it was already paid or not. I began getting phone calls demanding payment as well. Today, I received my second notice of demand, asking for XXXX. No dollars, no cents. I ask them to stop sending me threatening letters and phone calls to no avail. Consumers should not be threatened with diminished credit for a debt that even the collector agrees is not owed. 
Thanks
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I mailed a payment for $ XXXX was an official check from XXXX XXXX XXXX . Within the mailed payment I included my SSN, DOB and Name and last four of my account. As the online statement accessible to me did not provide my full account number. On XX/XX/XXXX the check was cashed by the payment processor for Macys Credit Card - Citi Bank.

I contacted Macy Credit Card Services to discuss the missing applied payment. I was told I would have to file a dispute. The gentleman avoided direct questions and was not comforting at all in regards to them losing nearly {$2000.00}. I was also told I would still need to pay the interest accrued as well as any late fee if I did not pay the XX/XX/XXXX payment. However, if they had processed my payment correctly then I would not need to pay again. He avoided response. 
He then stated it would take 21 days to resolve my complaint. I asked " Calendar Days or Business Days '' he stated on the recorded line " Calendar Days '' and then stated I needed to fax my card information and proof of the dispute. I do not have the account number and stated that to him. His response was you can " try and hopefully it works ''. 
I went ahead and faxed as I have no choice. This payment needs to reflect as I had to pay it off as a requirement to obtain my home loan. And we are now nearly a month with a missing funds. I sent the fax which I have included. And stated that 21 days for a payment dispute is unacceptable. 
Today I did a " chat '' to determine if Macys Credit Card Services received my dispute fax, with evidence that the item had been paid and the cashier check cashed. They responded back stated yes. And then stated it would take 2 billing cycles. Which is unacceptable.

After pushing back and discussing the that the initial call said 21 calendar days I was told they were misinformed as well as the initial person I filed a dispute through and that the dispute will take 21 BUSINESS Days. 

I have lost interest that I could of been paid on the XXXX. In addition I am being charged interest on the balance that they processed a payment on XX/XX/XXXX for. In addition on XX/XX/XXXX if not paid by then I will receive a late fee which is completely unacceptable. 

I mailed them the payment on XX/XX/XXXX. The received the funds of the cashier check ( official check ) on XX/XX/XXXX. It is XX/XX/XXXX and they have not provided me credit. They are still charging me interest. The have stalled my home purchase. They are now going to charge me a late fee. The customer service was poor, incorrect information given, and no clean and simple process provided.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (DC)

American Express contacted me and made me an offer to pay an outstanding balance as agreed on XX/XX/XXXX. We entered into a contract and they sent me a letter of confirmation of offer on XX/XX/XXXX. I made a payment in full in the amount of {$1100.00} on XX/XX/XXXX and American Express mailed me a letter on stating that agreement has been met. 

I was shocked to receive a Cancellation of Debt letter from American Express Company mailed to the week ending XX/XX/XXXX. In the letter it shows that after 30 days after we entered into a contract on XX/XX/XXXX they breached our contractual agreement and issued me a Cancellation of debt notice in the amount of {$1100.00}. American Express has breached our agreement for a total amount of {$2200.00}. This has not only imposed a monetary damage on me but it has also impacted my credit standing. American Express engaged in unfair business practice by entering into a contract with me and then breaching it.
Consumer complaint received 2019-11-08
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. (TN)

I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
Consumer complaint received 2019-11-20
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. (NV)

On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.