davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Hello, I recently made a credit report and I'm looking at a lot of incorrect information from the XXXX XXXX XXXX XXXX report that is seriously affecting my credit. I ask for an investigation so that it can be corrected and deleted from my credit report as soon as possible.
Consumer complaint received 2024-07-18
Product: Credit reporting 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. (WA)

" We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' FTC has been made aware that I was defrauded by all " creditors '' and " loans '' as I was deceived into believing I am/was the " debtor '' when in fact, I was the " creditor '' of the transaction by proof of their utilizing my SSN + autograph. Please explain the necessity of the utilization of my SSN + autograph upon the " promissory note? '' I can always issue an IRS-approved 1099AXXXX to settle the so-called debt? All " lenders '' are also " Trustee '' and must accept all Trust " negotiable instruments '' as tender of payment, otherwise, to pay back a " debt/loan '' with " federal reserve notes '' are NOT a repayment of debt as " debt notes '' can not satisfy a payment of another debt. A Beneficiary is always the " creditor. '' The Trustee is always the " debtor. '' Commercial interaction with my SSN establishes a trustee-ship.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have submitted numerous documentation ( which is attached ) to the creditor, XXXX, as well as to Experian, XXXX and XXXX to validate that I have paid XXXX account XXXX in full and that XXXX XXXX illegally applied the payment to XXXX account # XXXX. 
I have requested on numerous occasion that XXXX XXXX provided debt validation for account # XXXX, however, they have not done so as required by the Fair Credit Reporting Act. 
Yet, Experian and XXXX continue to report this account as an open collection although documentation have been submitted on numerous occasions to them, proving that the money that was submitted to pay off this account was applied to an account that violates the Fair Debt Collection Practices Act. The creditor continues to violate both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and has not responded to my requests for debt validation, yet Experian and XXXX continues to report the debt based upon the false info provided by the XXXX. Due to XXXX XXXX 's blatant violation of federal laws, XXXX has correctly deleted this account from my credit file. 

I am requesting the CFPB to request Experian to delete this account from my credit file as required by Federal Law. Complete documentation is attached.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

A car loan I had from over 1 year ago was left with a XXXX balance after insurance paid out the car. The company wouldn't offer me the opportunity to refinance and they gave issues releasing the title to the insurance company. THIS CAR LOAN WAS CLOSED OUT ON XX/XX/year>. THEY RAN MY CREDIT AGAIN ON XX/XX/year> WITHOUT MY PERMISSION IN A CLOSED OUT LOAN THAT THEY RECEIVED OVER {$11000.00} FOR. 1 year 3 months later the insurance is still calling me about the title for the car and I see XXXX XXXX XXXX my credit AGAIN!!!!!! I haven't spoken to these people in months I never gave them permission to rerun my credit. They denied giving refinances... SO what are you running my credit for, A year later adding another hard inquiry on. It doesn't make sense my credit just went down from them running it, im not in any dealer or anything I don't even have a car right now.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P. (PA)

15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed IMMEDIATELY! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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. (MN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXXXXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I downloaded the XXXX app. I seen that my credit score was very low. I checked what was bringing my credit down and it was some medical debt bills that was not me going. These are the following : ARS Account Resolution dated XX/XX/XXXX for the amount of {$1000.00}, ARS Account Resolution dated XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$870.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$600.00}, and XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$1300.00}.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (TX)

Credit control has been taking money out of my account and has gone over our agreement payments. We agreed on a settlement to them of {$5000.00}. I have started making payments XXXX, XXXX, of XXXX twice a month. My last payment would have been XX/XX/XXXX. I have paid them over XXXX so far and the agreement is only supposed to be XXXX. This is fraud and over payment. I want them to return my over payments to me. 

XXXX XXXX XXXX Credit Control Acct : XXXX XXXX XXXX XXXX MO
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was looking to buy XXXX XXXX XXXX tickets and my wife XXXX XXXX reached out on XXXX XXXX to 2 XXXX XXXX XXXX sites. She received a few responses and the one sounded legitimate with a good XXXX page. We contacted through text and set up the exchange with us providing half the money {$370.00} through Zelle through my bank ( XXXX ). I did so and then they asked for the other half of the money before they sent the tickets. I got suspicious and then started piecing together the inconsistencies. The number they are using for me is XXXX. The name is XXXX XXXX. I am now disputing this with XXXX but they are stating Zelle is a 3rd party and it is unlikely they can help us. Please see if you can stop them from doing this to someone else.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX  ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response. 

On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email. 

On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment. 

On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response. 

Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow account.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not have any responsibility for the debt they are trying to collect and I request that this unknown debt be removed from my credit files immediately. 
Furthermore, if they have good reason to believe that I am responsible for this debt, then I want them to mail me proof that make them believe that. In addition, I also request they stop all other communication with me and to my home address, and record that I dispute having any obligation for this debt to all XXXX major credit bureau 's. If they report it to a credit bureau XXXX or have already done so ), then they must report that the debt is being disputed.
Consumer complaint received 2015-08-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated.
Consumer complaint received 2016-10-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc. (TX)

We were contacted by an agent from Moria Development DBA Peoples Mortgage, and gave false information about a loan product, specifically a XXXX loan. The agent expressed that she was an experienced loan officer and knew what she was doing. She screwed up our loan process because she waited until the week of closing to tell us that she did not know how to process a XXXX loan. She made me pay for an appraisal for the property, as well as a XXXX consultant, and she did not know what she was doing. There was false advertisement, lies during the process, and she was the cause of us missing out on a great home as a first time home buyer. XXXX XXXX of Peoples Mortgage who is Moria Development , Inc. should be held responsible for her falsely representing products.
Consumer complaint received 2017-02-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (SC)

I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not. I do not think I should have to call in every month to correct such a simple problem, but they for some reason can not correct this issue.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Armed Forces Loans of Nevada Inc. (NJ)

I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.
Consumer complaint received 2015-07-29
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me