davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SECXXXX DOB : XX/XX/XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I was notified by Transworld Sys Inc. of their account # XXXX of a debt claimed by XXXX XXXX XXXX for {$760.00}. I have not received any invoice from XXXX XXXX XXXX, and I have requested one several times from Transworld System showing any charge without anyone sending an invoice. There is no proof or basis given for the charges. In addition, medical services will mean that I get a notice from Medicare on what Medicare was charged, permitted, and paid. Medicare will show what I owe. I have not received any information from Medicare regarding  XXXX XXXX.
Consumer complaint received 2019-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I requested validation of a collection account on XX/XX/2018 and Midland replied with letter dated XX/XX/2018, stating they didn't understand what I was requesting. My letter make it clear that I am requesting the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I believe this not my account and I want proof if it is and there ability to report this information on my report under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2019-01-18
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: Onity Group Inc. (FL)

Ocwen Mortgage has incorrectly reported late payments I am enclosing an ledger report from Ocwen show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

Ocwen was paid off in XX/XX/XXXX and then after payoff they reported to XXXX and XXXX  that in XX/XX/XXXX I  was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how Ocwen posts credit and how the actual payments from XXXX XXXX the trustee differ.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

I have been with Square Inc for over a decade for credit card processing for XXXX XXXX. They started a new card ( like a debit card ) called the Square card where you can use your funds. I got it and a week later, I had 2 fraud charges from the same place. I called Square to report it, and they told me they would place a block from that merchant. Well, they didnt because I had another fraud from the same company. Now, Square is saying they will not credit my account the fraud charges because it showed the card was used in person. There is ZERO chance of that because I have never been there ... except after all these fraud charges I went there. They said they have no charges from me ( because I have never been there ) and their records do not show them getting money in those amounts at all. They also said they bought that XXXX a year ago so maybe someone had hacked into the old computers to get information. I believe a skimmer at a gas station or something like that captured my information and then made a card. That all I can think of. 
Square has treated me so poorly and they wont do anything about the fraud charges. Can you help me please? 

XXXX XXXX XXXX XXXX {$62.00} XX/XX/20 at XXXX Is the charge that is fraud.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent, via certified mail, TransUnion a Method of Verification Request for a collections account, XXXX XXXX XXXX XXXX. TransUnion received and signed for the request on XX/XX/XXXX.

By federal law TransUnion has 15 days to provide me with the description of the methods used to verify the account. After having not been provided with the requested information, on XX/XX/XXXX I sent TransUnion an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, TransUnion has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get TransUnion to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX account, or delete the account from my credit profile.
Consumer complaint received 2019-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (SC)

I got approved for a line of credit with this company XXXX XXXX /XXXX XXXX for {$3600.00}, this was to bea used for a XXXX XXXX   procedure with a company call XXXX, they wanted me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I was not happy with, I told the company I was not happy wit the procedure, I'veyou contacted XXXX XXXX/XXXX XXXX about this problem a few times, and has disputed the charges, I should not have to pay forthe a product that I'm not useing, but their still billing me, and if I don't pay it, it will hurt my good credit rating, please help
Consumer complaint received 2019-03-11
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: Credit Counsel, Inc. (TX)

This is about my 7th time requesting to have the XXXX accounts and its duplicate removed for once and for all. 

Next time my attorneys will be involved Original Creditor XXXX XXXX UNIVERSITY ( paid off back in XXXX ) this account has been sold over a 10 times in the 25 years. TIME TO REMOVE XXXX XXXX XXXX {$2400.00} Negative XX/XX/XXXX XXXX XXXX XXXX DUPLICATE Negative XX/XX/XXXX XXXX XXXX # XXXX Original Creditor - - Company Sold XXXX XXXX XXXX XX/XX/XXXX READ BELOW **Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. Debt collectors can not pursue or attempt to collect debts that are more than four years old. https : //www.debt.org/faqs/americans-in-debt/consumer-texas NEED TO REMOVE XXXX, UPDATE XX/XX/XXXX I have requested this accounts to be removed and they keep showing up. It is an old lease that was paid off, was never late and its was well over 8 years ago. Keep in mind that you are breaking the Texas consumer laws by refusing to remove. Attorney has been hired. 

THESE ARE ALL illegal hard inquiries that ARE NOT ME : NEED TO REMOVED XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX., XXXX XXXX -You applied for credit in XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX - You applied for credit inXX/XX/XXXX
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is releasing unauthorized information. They are selling info that was removed from files, reporting DELINQUINCIES and credit slanderous terminology- as are other bureaus- on disputed, removed, or paid accounts. Even accounts that were closed illegally by companies ( who refuse to comply w fin regs ) are reported as delinquent. THIS IS UNLAWFUL DEFAMATION. 

statements such as public record, serious delinquincy, time unknown ( it is known-by bureaus ), num of accts w delinquincies are wholly slanderous in nature- and are abused by those offering credit to deny credit when it should be approved.
Consumer complaint received 2019-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I have attempted to contact the Toyota Motor Credit Company regarding the settlement ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The settlement administrator has not responded to the claim I submitted or status emails.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VERITAS FUNDING, LLC (UT)

I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the  amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!
Consumer complaint received 2019-02-25
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 absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( Los Angeles county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in Los Angeles to report these accounts.

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/2018 " Waypoint Resource Gr '' has opened an account in XXXX reporting that I'm in debt of {$270.00} from an original creditor " XXXX XXXX XXXX '' I have received service from " XXXX XXXX XXXX '' starting from XX/XX/2018 and ended my service on XX/XX/2018. I have communicated with that company to make sure that my account was in good standing and they assured that everything was intact and that my account was in good shape. I never received a letter nor email stating that I owed any amount to either XXXX XXXX XXXX nor Waypoint Resource Gr. XX/XX/2018 I received a call and was lied to, or mislead. The company called saying they were calling for a job opportunity, and they wanted me to verify my name and address. After I provided that information, they then stated the name of the company " Waypoint Resource Gr '' and said they were calling to collect a debt of the amount of {$270.00}. This negatively has affected my credit score tremendously because " Waypoint Resource Gr '' reported the same thing twice in different dates on Equifax. Waypoint Resource Gr has opened two account for the same amount on different dates which are XX/XX/2018 and XX/XX/2018 for {$270.00}. It seems that they are trying to collect more than what there asking for which is unlawful.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WV)

I filed a dispute regarding a charged off account that is still show a balance when the balance is XXXX. They stated that the account is verified but they never send me how they got the account validated. Also I have inquires that are not authorized nor I received any credit from them. they are refusing to delete those inquiries. Charged off account have balance. NO CONTRACT the information is innacurate and I have notified them many times by phone an by letter.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (VA)

I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have past the 30 day mark and can not verifying these accounts under Section ( 611 ) 5A of the FCRA which they are required to " promptly delete all information in which can not be verified ''. That I have disputed. I spoke with them telephonically several times in which they repeat that its " verified '' and that 's all the information that they give me. Can you please resolve this matter as soon as possible. Thank You
Consumer complaint received 2019-03-09
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. (GA)

I paid my mortgage with XXXX mortgage on XX/XX/2019, their system had issues and when I finally got to pay it was after XXXX. I noticed a couple of days later that a credit monitoring report said I have a payment 30 days late on my mortgage. I called XXXX and was told that it was a mistake and would get corrected by a letter getting sent to the credit beaura. When I called to follow up weeks later I was told because I made the payment on XX/XX/2019 after XXXX it's like I paid in the XXXX. I think this us unfair because 1 the rep told me that it would be corrected, 2 I never knew about if a payment was made after XXXX it was for the next day, and 3 i actually paid on the XXXX which actually is a day before the XXXX. But they will not remove the negative report.