davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is a formal consumer to busines s ( s ) co mplaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX   2017  with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from  XXXX ,  XXXX , and Experian with no success. They have refused to update information. Accounts to be removed :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Pinna cle LLC c/o  Resurgent Capital Services is a debt collector for  XXXX   XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of  XXXX   XXXX  and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.
Consumer complaint received 2017-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it
Consumer complaint received 2019-08-14
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. (TX)

I placed a credit freeze on my credit report with Experian on XX/XX/19.

On XX/XX/19, I temporarily removed my security freeze from XX/XX/2019 throughXX/XX/2019 using my PIN number.

On XX/XX/19, I tried to temporarily removed my security freeze but Experian has locked my credit report and have requested me to provide proof of my identity by mail. Experian says it will take several days to process my request. I need the security freeze on my credit report to be removed immediately. 

Please note that I was able to remove the credit freeze on my XXXX  and XXXX credit reports without any problems. 

I have made several attempts to reach a live person at Experian to fix the problem but despite entering my personal information into Experian telephone system it is impossible to reach a live person.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

I opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of Walla Walla (OR)

On XXXX XXXX, XXXX I was in court in XXXX Oregon for a claim that was filed against me by the Collection Bureau of Walla Walla XXXX XXXX on XXXX XXXX, XXXX. Listed are bills that include City of XXXX XXXX for {$37.00} which was incurred and the statute of limitations started on XXXX XXXX, XXXX when the account was closed and the deposit was applied. Oregon Law states that the statute of limitations must not exceed 6 years which is 2190 days and this bill was incurred 2205 days prior to filing. So it is exempt. There is a bill for XXXX XXXX XXXX for {$250.00} for eye glass lenses. These were never paid for nor picked up and are still in the possession of XXXX XXXX XXXX  They are not my prescription nor did I order them. In the process of figuring all of this out, Collections Bureau of Walla Walla , XXXX obtained ALL of my medical records without a court order or without my written consent. XXXX advised me on XXXX/XXXX/XXXX at XXXX XXXX XXXX that she had in her possession my medical records that listed my diagnoses, history, and medication. This claim was purposely filed XXXX miles from their office instead of filing it with the court that is only XXXX miles from their office.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

On XXXX XXXX someone stole my identity. This women went into a Victoria 's Secret in Rhode Island asked the cashier to do an instore look up on my account and charged a total of {$5700.00} on my existing account. Before these fraudulent charges my account had a XXXX balance for 2 years. This women never had possession of the actual card when she made these purchases.I called Victoria secret to report this when I found out on XXXX and followed up with a letter. A few days later they sent me a fraud packet to fill out which I did and sent it back. I provided them details of the fraud charges, a copy of my police report, copy of my identity theft report, and gave them the police officers contact info to obtain a copy of the store security tapes showing it was not me who made those purchases in the store in a state 300 miles away from where i live.They are reporting the {$5700.00} charges to my credit report and it dropped my score a lot. To date they still have not resolved this issue and it 's past 2 billing cycles. When I call for a status I 'm told they must keep their investigation open for a full 90 days and that additional info is needed but refuse to tell me what else they need.
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2017 I drove a friend to a XXXX for an initial appointment. The XXXX is XXXX XXXX. The office manager, XXXX XXXX, tried to be all friendly, like a used car salesman. Said my friend needed all sorts of XXXX work but her credit was bad. Then asked if I would cosign for her. I finally said OK. He took my information. He wanted me to cosign for her, then had me sign some simple form saying I would pay ( enclosed ). On XXXX XXXX, 2017 I had convinced my friend they were just scammers. We faxed an initial cancellation to them, which they received. A few days later, a credit card appeared in the mail with a charge of {$11000.00} on it. I called CareCredit and told them I never asked for or filled out any form requesting a credit card. The office manager at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, did all this without my knowledge or approval. I never saw any credit form. I have sent the bank, which is Synchrony Bank multiple copies of faxed notes to XXXX XXXX XXXX XXXX XXXX ). XXXX has never replied nor tried to cancel the credit or return the bank 's money. I consider this as Fraud, not a billing problem. I am contacting CFPB with the initial complaint against XXXX. They have taken advantage of senior citizens by scamming them into paying for things never received or done. No services were ever done for me. I just drove my friend there and was pressured into signing as a cosigner. But the entire thing was cancelled on XXXX XXXX, 2017 and XXXX provided nothing except the initial office visit. XXXX has never tried to collect from my friend, but they have charged XXXX as much as possible without providing anything.
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

In XX/XX/XXXX I reinstated my loan, and I noticed in XX/XX/XXXX., that I was over charged an excessive amount after the reinstatement. I notified Shellpoint, however nothing was done about it. In fact they attempted to state that the fees was due to legal fees. I advised them once I reinstated the loan I paid the legal fees. Now it happened once again, and this makes the third time that this has happened to me. I reinstated the loan, paid XX/XX/XXXX a head of time, and they still hit me with more legal fees after I paid the reinstatement fees.

Each time I call to make the payment, and they will tell me that they could not take the payment, because they have to get the legal fees. Then they don't call back with the amount. I have to call them back a couple of weeks after, then they will allow me to pay to reinstate the loan. After I pay to reinstate the loan they advise me that there are additional legal fees, which the the one I paid was good for thirty days.

they are taking my money and not applying it to my loan
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts with me.
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (CA)

I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bayside Capital Services, LLC (MO)

Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.
Consumer complaint received 2017-06-20
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: EQUIFAX, INC. (FL)

In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX