davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have been trying to initiate a credit report freeze with Experian, but have been unable to get enough information from the company to do so. The online system won't allow me to complete this online, and provides me with information on how to mail in my information. However, I need to know what the process would be for unfreezing the account before I do this. 

I tried calling, but can't speak to a human. Instead, I get a recording of the information I would need to mail in -- but I'm afraid of doing this as I have no idea of how I would then be able to unfreeze it. 

The only option I see to easily freeze/ unfreeze is to pay Experian XXXX XXXX month for both me and my husband to lock it. The barriers for the free freeze are intense, and I'm afraid of doing it because I have no idea how I would then unfreeze it. 

If I could just find a way to speak to a human, I might be able to do so. I've called many times, but the phone tree leads me to only recordings. I feel stuck, and forced to pay a fee to protect my credit account. The other credit bureaus made this freeze process easy, creating an online account and providing a pin number to easily freeze/ unfreeze as I need. I feel like I have no control with Experian.
Consumer complaint received 2019-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The goverment website says, to order your free annual credit report from one or all of the national credit reporting companies, and to purchase your credit score, visit XXXX, call toll-free XXXX, or complete the XXXX XXXX XXXX Request Form and mail it to : However, on the XXXX website, it only allows you to receive your credit report. It does not allow you to purchase your credit score. If I go to any one of the credit bureau websites, I am forced to pay for a monthly membership to get my credit score.
Consumer complaint received 2019-04-28
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. (FL)

To whom this may concern : This complaint is due to the unauthorized inquires on my Equifax report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX/XXXX XX/XX/19, XXXX XX/XX/19. It would be greatly appreciated if these inquiries be removed from my Equifax report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Equifax be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.
Consumer complaint received 2019-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NC)

I sent a validation letter to Franklin Collection Services ( " FDS '' ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019 with a verification and validation of debt for a bill owed to XXXX XXXX XXXX XXXX XXXX. The response I received did not provide me with the information I requested. Instead, the letter stated the alleged balance owed to XXXX XXXX XXXX XXXX XXXX. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted.

Therefore, I sent a second letter to Franklin Collection Services dated XX/XX/2019, where again I specifically requested that Franklin Collection Services ( " FCS '' ) provide me with evidence that the company is the legal owner of the debt, and that FCS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. This information was not provided.

After specifically requesting this information in writing on two separate occasions, FCS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FCS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence.
Consumer complaint received 2019-04-27
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. (CA)

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, Experian, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I entered into initial agreement to repair credit. CS Rep said she would forward copies of letters sent to creditors but I did not receive. Agreed to make monthly payment with an option to cancel. When I wanted to cancel i was unable to reach anyone at Lexington law except for new customer intake. I called numerous times and waited on hold for hours. Payments made XXXX and XXXX were charged back by my financial institution. No repairs were made to credit.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MS)

On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.
Consumer complaint received 2019-07-12
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. (VA)

While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (MD)

A company called Convergent has repeatedly called me several times over the last few months and not answered when I pick up. XXXX. They have called me at different times of the day, a few times at XXXX. I have no debts at all and can't understand why they keep calling me? I have in previous years experienced debt collectors asking for someone that is not even me! I have not been answering them recently and left my answering service on, but still no messages are left. It has become annoying! I did set my caller ID to hide my call this morning and got through to the Convergent company ; All I heard was whether I was XXXX XXXX? But I am not! Obviously there is someone out there using my phone number to avoid debt collection.
Consumer complaint received 2018-10-17
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: A-1 Premium Acceptance, Inc. (MO)

XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, King of Kash, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, National Association (FL)

I am a customer of NYCB, using the physical branch of theirs ( XXXX XXXX ) at XXXX XXXX XXXX, XXXX XXXX as regarding this complaint. 
On XX/XX/18, I scheduled an ACH payment of {$870.00} to XXXX for a Credit Card account held there. In so doing, I transferred the necessary funds from my E Money market account to facilitate the transaction. And, the request was therefore confirmed by XXXX. 

On XX/XX/18, an employee of XXXX XXXX, XXXX XXXX XXXX posted a check for {$300.00} that belonged to another customer of their bank to my account in error. 
On perusing my account on the night of XX/XX/18, I saw that there was an unauthorized debit posted to my account in the amount of {$300.00}, and immediately contacted their Customer Service via my online account-telling them of the problem. And, I cc'ed same email to the bank personnel at the XXXX XXXX  branch XXXX The unauthorized debit to my account, negligently facilitated by the bank employee rendered an overdraft on my checking account as the ACH was still paid despite the balance being {$300.00} short due to the bank 's error. 

I received a call from the XXXX XXXX bank employee on XX/XX/18, and she apologized and promised to resolve the matter as soon as possible. She assured me that visiting the branch was unnecessary. 

On XX/XX/18, I decided to check my account, and was quite dismayed to see that there was an Overdraft Fee assessed to my account, which again put the account in overdraft. 

There should be no Overdraft and no Overdraft Fee assessed to me for a fault that was engendered by an incompetent employee who took money from my account in error. 

I visited the branch to see the employee and have her reverse the Overdraft Fee, and rightfully put my account back in the black. 

To date, I have not received any response from NYCB Customer Service. My email to them was not acknowledged, and neither was there a response to my email account regarding their internal snafu. 

People intent on doing business with NYCB and XXXX XXXX   should remember caveat emptor, as their staff is ill-equipped for their fiduciary responsibilities.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL (OR)

We hired a contractor to reroof our house - the job was satisfactorily completed on XX/XX/2018. On XX/XX/2018, a loan was negotiated with a Florida bank at 0 % interest if repaid in 18 months. On XX/XX/2018 the bank issued a payment invoice : payment was due by XX/XX/XXXX, with a minimum payment of {$280.00}. Our check for {$700.00} was written on XX/XX/2018, and paid as an electronic check on XX/XX/2018. Meanwhile, the contractor notified us that they had not been paid the {$11000.00} on which we were making loan payments. In a telephone call, the bank said that the contractor 's account was " under review '' and might not be paid for up to 180 days. The bank insists that we must continue to make at least minimum payments or be in default, whether or not the {$11000.00} is disbursed to the contractor. 

In what galaxy is it legal for a bank to demand and collect repayment on a loan it has not disbursed?
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I am currently being sued after not one but two attempts to be sued for a purchased amount by XXXX XXXX XXXX. They purchased a debt worth {$1300.00}. XXXX and another debt worth {$980.00} however, for both debts I have not been notified of 1. Name and Address of Alleged Creditor, Alleged Account Number, Date Alleged Debt Became Payable, Date of Original Charge Off or Delinquency, Amount Paid if Debt was Purchased, Proof of Debt, Payment History, Copy of Initial Loan Agreement or Credit Card Application, Proof of Debt Ownership all of which I am entitled to know due to the Fair Debt Collections Practices Act ( FDCPA ). It is to my understanding that XXXX XXXX XXXX is aware that I am entitled to this information and relies very heavily on that possibility that I may not be fully aware of my rights and reluctancy to attend court or reluctancy to dispute lawsuit is the premise of their business. I now have XXXX XXXX XXXX on my credit report and would like it removed. I am going to court to on XX/XX/2018 to vacate a default judgement that was motioned on XX/XX/2018 by XXXX XXXX XXXX because I was never properly served. There was a failed attempt at being served by XXXX XXXX XXXX , XXXX via certified mail but no record of my signature indicating that I received a summons because I did not. After being told the case was thrown out due to their method of communication I was under the impression the case was done. However, now I have to defend my rights under the Fair Debt Collections Practices Act and ask the judge to vacate the judgement.
Consumer complaint received 2018-10-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Consumer complaint received 2018-10-17
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. (FL)

I have disputed the late payments on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (LA)

I currently have a home Mortgage with XXXX XXXX. The Escrow Department is grossly negligent in organizing and submitting payments for homeowners/flood insurance. I paid up from for homeowners and flood insurance during the home building process. After the home was complete, I received an email from a Whitney Representative that I must pay the homeowners premium up for a year and send proof of payment/Policy. I inquired about where is the money that I paid towards the insurance monthly during the building process and it appears that I am paying for the same insurance twice. I was informed I must pay the premium to change from construction loan to permanent loan. Nevertheless, I paid the premium and was informed that I would like get a refund during the Escrow yearly analysis. Not sure why the payments that I made towards insurance could not be applied to the premium. It appears the departments and are separate companies inside of one company and systems are not seamless. My recent issue is that my homeowners/flood representative informes me that they havent received the flood payment and it was due that day. This concerned me greatly as we live in a hurricane prone state and currently in hurricane season with a hurricane moving into the XXXX XXXX XXXX. I contacted Whitney on XX/XX/18 regarding the proof of payment. The Whitney Representative couldnt provide me with proof that the payment was made except the date payment was sent and check number. I requested proof in writing and was informed I should receive a letter in the mail in a few days stating the payment was sent to insurance company. I believe I should have received proof emailed or faxed to me on the date I requested. My homeowners/flood Representative decided to follow up Whitney on XX/XX/18 regarding the Flood Payment that was sent on XX/XX/18. Whitney apparently ignored the bill address on the Flood insurance bill and decided to mail the payment to Homeowners billing address. The Homeowners/Flood requested that Whitney overnight another check to the correct Flood address as the policy has currently expired as XX/XX/18. In the Whitney world, Overnight mail will take 3 days to receive. I refuse to pay twice for the same insurance policy again because Whitney is unable to fix their issues. This issue requires corrective action immediately before homeowners assume that they have insurance and face a loss due to a storm only to find out Whitney sent the payment to wrong address.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My FICO score dropped significantly due to unpaid debt to a Gap credit card. The Gap Credit card debt was true, but I want to explain why I made the mistake.

I opened the gap store card when I bought Gap clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX   showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the Gap credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I filed a complaint about XXXX XXXX XXXX  before. The complaint number is XXXX. 

After the complaint form was filed, a form was sent to me to complete. The form was completed and the required documents ( Driiver 's License and 2 bills stating that I did not live in the address that was used to obtain XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX could not proof that I signed the contract or signed for the service ; however, they still want me to pay {$180.00} that was charged using my stolen identity, I have been living in XXXX XXXX for over 11 years. It looks like XXXX XXXX XXXX knows that they have a lousy credit approval process for their XXXX cable. 

The letter I just received today stated that I am still responsible to pay {$180.00} that was due to identity theft and their lousy credit approval process. I am definitely NOT paying for something that is NOT mine. If I have to, I would sue XXXX XXXX XXXX in small claims court for {$10000.00}. I have been dealing with this issue for a year and I am so tired of DO NOTHING XXXX XXXX XXXX.