davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its  validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (CA)

I have two Discover Cards # XXXX and # XXXX and am a long time customer. 

The interest rate on purchases on card # XXXX was lower than my card # XXXX. 

Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. 

I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. 

I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. 

I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

On XX/XX/2018 I was served court documents from the County sheriff that I was being sued by XXXX XXXX XXXX. First, I am a XXXX veteran with XXXX XXXX  XXXX. It is not appreciated that scare tactics, such as using a sheriff to deliver court documents because it resulted in me having a XXXX XXXX in front of my daughters. Second, I have NEVER received any correspondence from XXXX XXXX XXXX, a debt collection agency, nor have I NEVER received any phone calls from XXXX XXXX XXXX in regards to debt claimed owed. My rights under the Fair Debt Collections Practices Act were violated, because I was NEVER given the opportunity to dispute the debt within 30 days to XXXX XXXX XXXX. If I was notified properly, I would have disputed the debt within the 30 day time frame and I was denied this right. 

In regards to alleged debt owed : 1. I have no contract/credit card agreement with my signature on it with XXXX XXXX XXXX and this proof needs to be provided. Provide documents with my signature on it. 2. provide ALL XXXX XXXX XXXX XXXX to show the purchases I made through them, and the payments I sent directly to them. XXXX   statements is legally insufficient. 3. Provide a bill of sale showing that XXXX XXXX XXXX paid the FULL amount of debt of {$5000.00} directly to XXXX XXXX XXXX XXXX ( not a charge off amount ), since XXXX XXXX XXXX is a debt junk buyer and is trying to get more money than what they paid for debt. I have also submitted a complaint to the XXXX XXXX XXXX and contacted a lawyer in XXXX for the violations they have committed under the Fair Debt Collections Practices Act and for the emotional distress that was put on me because of their scare tactics used.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Attached, please find documentation for the following complaint against XXXX XXXX XXXX. Mr. XXXX XXXX has attempted to communicate with XXXX XXXX for almost 7 months over a mystery fee that they have added to his pay off demand. We have attached multiple payoff demands that he has received over the last 7 months. On some of the payoffs, a mystery fee of {$49000.00} is present while it is not on others. When questioned, XXXX has simply dismissed his requests for an explanation or to refer him to Appendix G of his loan documents ( I have attached appendix G here ). Appendix G is in regards to late payment, but in no way allows a mystery Maturity Fee to be added to the account. We believe this is simply an attempt of XXXX to commit fraud against Mr. XXXX. He has asked multiple times for an explanation and the response has been bogus at best. 

We would like XXXX XXXX to prove that they have the right to charge a 15 % on the gross unpaid principle balance in order for the borrower to pay the loan off or remove it from the payoff statement. 

CC : California Office of Attorney General
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TD BANK US HOLDING COMPANY (FL)

I have tried multiple times to link my bank checking account to XXXX which is an exchange to invest in cryptocurrencies. I keep getting an error which states TDBank is blocking you from enabling external applications which prevents me from linking my account to deposit funds. I have called them many times concerning this issue, but they keep saying there is nothing wrong with your account and there is no blocks. It seems they do not want to help me. I need this resolved immediately. I thank you for your help.
Consumer complaint received 2018-09-07
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: EQUIFAX, INC. (GA)

I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

On XX/XX/XXXX, we entered into an agreement for a loan modification that would be approved contingent upon making three consecutive monthly payments, signing an agreement and my account would be current after three months. We have successfully made 6 monthly payments ( see attached ) and have never received an agreement to sign. 

I was notified that our home has been scheduled for foreclosure sale because Ditech never received the signed documents. I am sure you will agree that it is impossible to sign a document that you never receive. 

On XX/XX/XXXX, I spoke with XXXX and he said there was no way to continue the modification. He indicated he would start the process again. I called later the same day and spoke with XXXX to ask for proof of delivery of the documents, assuming that such time sensitive documents would be sent with proof of shipment, delivery and signature required. He notified me that Ditech is not obligated to provide me with such information. He also told me that the conversation I had with XXXX was not true and XXXX would not have initiated a new modification. I asked him to patch me through to XXXX and he refused and said Ditech has no obligation to follow through with their agreement. I highly suggest that this phone call be reviewed.
Consumer complaint received 2018-05-17
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. (GA)

This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (FL)

This company is sending out mass mailers telling people/implying they will be arrested if they do not pay. Aside from the fact that the debt isn't even valid, I'm shocked at being threatened with arrest unless I pay out. This company sends out so many of these mailers that I have another one for an entirely unrelated person that was also mailed to my house!
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
Consumer complaint received 2018-05-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (FL)

On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MA)

On XX/XX/2018 I received a message from a credit monitoring program to which I belong. The notification said that The Waypoint Resource Group in XXXX, Texas has put us in collection for an apparent {$76.00} debt. Neither my wife nor I know anything about this debt. This notification from XXXX and XXXX are the first notification we have of this alleged debt. We have no idea what it is for or what it is about. We tried to contact but I could not reach a person and I am afraid that the company might be a scam company. The phone was answered by a computer generated voice and wanted me to put my information in over the phone so they could find my account. I do not want to give any information to anyone unless I know who I am speaking with. We have not had any bill collectors calling us and to the absolute best of our knowledge, neither my wife nor I know of any money we owe to anyone.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

Public Records - Bankruptcy sent letter to LexisNexis XX/XX/XXXX 2017 requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo home mortgage has made things worse. I have tried for two weeks to simply recast my mortgage. I was told someone from that department would call me within " 24 hours '' and no one has. Then I was told to go to a local branch and apply funds for payment, instructing the teller to apply all funds to principal, as ordered by Wells Fargo. Teller incorrectly applied some funds to income. I alerted Wells to this and now they have reversed the entire payment, over {$210000.00}. Sp, my check has cleared and Wells is saying they have never received it due to a clerical error. 

I have been serially abused by this incompetent institution. How the government is allowing this institution to survive is beyond me.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
Consumer complaint received 2018-01-22
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. (LA)

I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
Consumer complaint received 2018-01-21
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. (CA)

I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

hi there, My names XXXX XXXX on XXXX XXXX, 2017, when I was trying to pay for my goods at XXXX XXXX department store, the cashier pitched with a credit card offer I accepted the offer, she took my information, two weeks later I received the XXXX 's credit card, I tried to make an online payment to my new credit card when I was abroad but the website wo n't allow me to create an online account, later when I came back from my vacation, called the credit card to help me create an online account so I could make a payment, I found out that XXXX 's got the wrong SSN in their files thats way I could n't create an online account and, they charged me late fees and interest fees, I told them thats not my problem if they have the wrong information in their system, they apologized and agree to give me my money back ( late fees, interest fee, XXXX $ ), but the could n't do anyting about my credit report because they already reported that I did n't pay them on time, I had XXXX credit score before I get their credit card, they lowered my credit card limit from XXXX $ to XXXX , my credit score drop down to XXXX, I never missed a payment till I got their credit card. 
my goal now is to remove those negative remark from my credit report because it not my fault if they have the wrong information in their system that prohibited me from creating an online account and pay my credit card thanks