davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX  to purchase a mattress. the loan was paid off in XXXX. 
I was advised be Experian that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX  XXXX XXXX XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX  sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX  Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX  account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX  reported to XXXX that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX  KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XXXX of XXXX, XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION (OK)

BBVA Compass bank will not cooperate in the pay off of our XXXX XXXX XXXX. We paid it off back in XX/XX/XXXX but they said we still had late fees which they later told us on XX/XX/XXXX spoke with XXXX that it was " principle '' in the amount of XXXX to pay off and that was not late fees. We then traded the vehicle in on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MO. The dealership can not get BBVA to cooperate with them for the payoff either. They keep passing us to a number or extension where no one answers.

Please advise. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CA)

I received a flyer from JFQ Lending on a streamline refi to lower my mortgage rate. I did inquire and I did sign documents to start the refi streamline process on XX/XX/2020. After giving it some thought I decided not to continue. On XX/XX/2020 I sent a email requesting that they cancel my loan request. The loan officer continued to move forward with the process after he acknowledge receiving my email. He then continued to call me and leave me voice messages. On one of the messages he stated that I needed to call him and on a recorded line say that I'm ok paying at the higher rate. Which I know I don't need to do. This complaint was sent to the owner, which he continued to offer me a loan instead of addressing the issue. There were other loan offers calling and emailing me within JFQ Lending. After multiple emails and calls not only on my mobile but they also call my work phone, and a response from a ridiculous response from the owner, I wanted to file a complaint. I being harassed and I don't appreciate it. I am now concerned for those other mortgage holders who they will contact and be aggressive with. For these loan officers at the company not to be clear with all the details and numbers can put a family in a financial situation that will hurt them, especially those already that are struggling.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (RI)

I gave permission to the XXXX XXXX to initiate a background check on XX/XX/2020. The company First Advantage would be conducting my background check. The results of my criminal history came back with a felony instead of a misdemeanor, I have never been charged with a felony. I believe this misleading information would significantly hinder my ability to work for this employer.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I do not have any wet ink signatures and no contract with Portfolio recovery associates , LLC. I do not owe them any " debt ''. 
I called on XX/XX/2023 and asked for a contact name to send certified mail to their company. I was told that unless I disclose exactly WHAT this correspondence is, they refuse to give me any names of any individual to send mail to. This is confidential information to be sent certified mail, yet they are requesting that I disclose this information on the phone.
Consumer complaint received 2020-01-22
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: Diversified Adjustment Service, Inc. (OK)

Diversified Adjustment Services has an open account on my credit report which I challenged with XXXX XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (VA)

XX/XX/XXXX - I visited a PNC branch in XXXX, VA to close all accounts as they've been unused and dormant. The representative refused to help as she was going on break, but explained I could close the accounts through the PNC Online portal. There is NOT an easy 'button ' for this and they suggest sending an email. I did send the email and requested all accounts be closed ( personal checking and reserve - XXXX balance ). 

XX/XX/XXXX - I receive a statement email from PNC. I contact their Rep via XXXX and demand all accounts be closed, still unused and dormant. THEY HAVE STILL NOT COMPLIED AND THE ACCOUNTS REMAIN OPEN. 

Now - I NEED ALL ACCOUNTS CLOSED!!!
Consumer complaint received 2023-09-26
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. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXXXXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Filed a loan modification in XX/XX/XXXX ( due to issues with hurricane Irma ) with Freedom Mortgage. Made all payment as required on time. Began getting notices of no payment. Supplied proof of payments and dates. Problem escalated recived letters saying we owed upwards of {$22000.00} dollars. We hired an attorney. Freedom Mortgage acknowledged the mistake multiple time over the course of multiple hour plus long calls. We had promises of reviews, returned calls, and corrections to our credit. Nothing promised by Freedom Mortgage was done. XX/XX/XXXX payment was refused and returned. XX/XX/XXXX Freedom Mortgage informed us via conference call with our attorney that they had filed for and were proceeding with foreclosure. Our attorney requested that the service be sent to there address. The representative went so far as to refuse to acknowledge that they would comply. We are still making our payments to a trust set up by our attorney. Due to the false derogatory reporting on there part, we have had an increase in our auto insurance rates, we are unable to refinance with another company taking advantage of the lower rates, and accessing the equity in our home.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc. (IL)

I had seen a XXXX  a while back. After some time I noticed 3 collection accounts on my credit from the one practice. I called them for dates and amounts charged and to see which insurance they had charged as I switched around that time. They would not give any dates, charges specifically, or insurance coverage info. They said to ask the collection agency now. So I contacted agency, and they said to ask the original creditor. I asked again and was told no. I contacted agency again and they said to contact my insurance. After telling them 3 times the insurance agency will clearly not know what dates and charges the XXXX  says I owe, I have gotten no information. No reason for 3 accounts or owing close to {$6000.00} to a XXXX  even with insurance!??????
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I have contacted Equifax several times online, by telephone, and by letter, in the last two weeks of XX/XX/XXXX to lift the freeze on my credit report so that I may refinance my mortgage. The online response was to tell me to call Equifax. Upon calling Equifax, I was told I had to write the company a letter, including my social security number and my identification card. I have done so without success. 
Both XXXX and XXXX have temporarily lifted the freeze on my credit report, so I can not understand why Equifax has not responded to my requests. 
Would you please contact them on my behalf so I may continue to have potential creditors access my report? 
Thank you
Consumer complaint received 2020-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from XXXX XXXX XXXX XXXX the letters include documentation from the original creditor Bank of America. The most recent notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from XXXX XXXX XXXX XXXX. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.
Consumer complaint received 2020-03-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (KS)

On XX/XX/2020 Informed by XXXX XXXX my credit score adjusted down due to a delinquent debt.  XXXX referred me to XXXX. on XX/XX/2020 Spoke with XXXX and refuted the debt. XXXX spoke with Monterey Collections asking for verification of appropriateness of the debt to me as well as providing proof to me of the debt. Monterey informed XXXX that the debt is indeed mine and valid. My SSN was not verified against this debt, since no information was provided as to the actual creditors SSN. The verification depended upon an address within my credit file that is not correct as a previous or current address. Upon my review of the documents provided by Monterey Collections ( received XX/XX/2020 ), I discovered that certain portions of the file were intentionally omitted. The missing documents pertained to a Preliminary Credit Rating Request Form, which would have indicated the SSN number of the actual debtor ( and I suspect it would also include the Driver 's License or Passport information of the actual debtor as well ). On XX/XX/2020, I have refiled a verification of the debt with XXXX attaching documentation demonstrating my inappropriateness of ownership of the debt. I have attached the letter I sent to XXXX for your documentation as to why this debt is not appropriate to me. I have edited the document to remove the names of family members I used to refute certain aspects of the contract provided by Monterey.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I have been trying to get Hunter Warfield to remove a collection account for {$6000.00} since XX/XX/2019 that is not mine. Its from XXXX XXXX XXXX XXXX and its for a rental home lease that I never had nor authorized as Ive own my home/mortgage for over 25 years. Ive submitted identity theft report/FTC report and filed complaint with XXXX. Ive never leased a home nor authorized and all they sent was a payment statement and an online doc sign. I have A1 credit, my own home and this is causing hardship as it is inaccurately reporting. Ive sent multiple letters requesting docs/validation and also proof of identity theft report. I have NEVER entered into any contract with this company and want this deleted immediately, next step is retaining an attorney, they even contacted me via phone after receiving the first notice with a cease & desist regarding thus invalid debt.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went over my credit report I see there are XXXX of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against TransUnion, XXXX, XXXX. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION. 

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-07
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: Experian Information Solutions Inc. (OH)

I have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt. 
7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-03-06
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: Vouch Financial Inc. (NJ)

i cheked my credit a few months ago. its not the law, I never had a vouch   account I dont speak english the rep is very abusive with language. The other bureaus deleted it but XXXX  refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete vouch   and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (PR)

On XX/XX/2020 I wrote a letter to First Source indicating them that account XXXX with XXXX XXXX was due to Fraud. Even though I notify them by mail they still sending me a collection notice. Attached is the collection notice and the date.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (PA)

I had an issue with this company beginning in XX/XX/XXXX. I used my card to purchase something online. I then received a bill with an unauthorized charge on it. I called the company and disputed the charge. They stated that they would have to issue a new card. I got the new card and then used it in XXXX to reserve a hotel. I immediately realized on my next statement that there were yet again unauthorized charges on my card. So I called and disputed them, they once again stated they would have to issue a new card. I at that point fearing for my protection as far as my identity and credit was concerned. Told them not to send a new card that I wanted to close the account. The man agreed and said that he would process my request. 
I have continued to make my monthly payments as I always have. I usually make them online. When my XXXX statement came out I made my payment on XX/XX/XXXX using the online forum. As I have many times. My payment was for {$58.00} which was more than my minimum due of {$44.00}. I received online confirmation and the site stated that my payment was received and processed. ( I have attached this statement ) I then received my bill statement that reflected XXXX with a due date of XX/XX/XXXX. Everything looked fine the previous payment was reflected and there was no late payment or issues reported. ( I have attached this statement ). 
Then yesterday XX/XX/XXXX. I received a letter stating that I had not made my payment in on XX/XX/XXXX and that I was past due in the amount of {$86.00}. And to send this payment immediately to avoid revocation of my credit card privileges. ( I have attached this letter. ) This account was closed by me. Which would stand to question how they intend to revoke my privileges. I immediately went online and checked my account and it showed that I made the payment before mentioned. Then below stated that it was reversed. I was not reversed by me. 
I then used the over the phone method and immediately paid the {$86.00} stated in the letter. that I have attached here. 
I feel that this company is internally screwing with peoples accounts and allowing these issues to happen to charge extra fees and harass their customers. I never had a problem with my payments showing up when I made them or not being applied until after I requested my account be closed.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Experian Information Solutions Inc. (TX)

EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY all inquires are ftc violations that need to be removed
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (WV)

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX XXXX XXXX COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.