davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (AL)

In XXXX of XXXX, an attempt to serve papers on me was made at a prior address. My prior landlord did not have an address or current phone # for me, but signed for the papers and then tried to locate me which he eventually did. He forwarded those papers to me at that point. They were papers alleging that I owed a company called " CashNetUSA '' a sum of {$4000.00} plus court costs. I have NEVER borrowed a sum of money anywhere in the {$1000.00} + plus range. I believe that it could be possible that I might possibly have done a small " payday '' loan with this company when I lived in XXXX Al which would have been PRIOR to XXXX. I can't say for sure. If so, it was in an amount under {$500.00} which I would have paid back. Although I can find no record of such, I do believe that I was contacted via telephone in the late XXXX by individuals claiming to be from CashNetUSA. I felt it was a scam. They had foreign accents and were pressuring me and I refused to do business with them. I did NOT borrow any money from them and did not hear anything further from them after that point. I was living in Montana at the time. I have never received any " reminder '' notices or other correspondence regarding owing any money to " CashNetUSA ''. There is no record of a debt owed to them anywhere on a Credit Bureau Statement from all XXXX major Credit Bureaus. I have studied my credit report in depth and have discovered XXXX addresses and XXXX phone number that have NEVER been mine. They are : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX also located a phone # in the XXXX? : XXXX This number appears to be a " mixed up '' version of my current phone #? 

So ... this is where I stand with this.
Consumer complaint received 2023-02-04
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XX/XX/2022
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (AL)

I want to settle this debt. However, I'm recieving conflicting responses from management. They are refusing to settle or provide payment options. 
I filed a CFPB report on XX/XX/XXXX for account # XXXX seeking debt validation because I was never given any but because this account is being reported on my credit report I want to settle the account althought I dont agree with the amount. On XX/XX/XXXX Mrs. XXXX responded to my CFPB report stating I had payment OPTIONS and I was honestly looking forward to working with her. I spoke with Ms. XXXX via chat on ( XX/XX/XXXX ) and she said I had to email Mr. XXXX. I emailed Mr. XXXX seeking to settle this account with no response. So then I called and was transferred to Mr. XXXX and he stated I had to pay in full and wouldn't accept a settlement offer so I disconnected the line. I tried to call Mrs. XXXX 's direct line but I get nothing. I want to settle this account. The website advertises payment options and so did Mrs. XXXX so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I have used PayPal for years without issue, but I made the mistake of trusting that Venmo was a safe platform where individuals were vetted and sellers were subjected to the typical XXXX  requirements used by banks. I paid for a product over Venmo which I later learned is not protected from scam or fraud because the payments are person to person payments. I was scammed out of XXXX by a person on Venmo who promptly closed her account. Neither my bank nor Venmo ( PayPal ) will refund the money. If Venmo is making fees from transactions and are unwilling to prevent fraud, investigate and prosecute scammers, and facilitate refunds, then they are basically allowing and helping criminals scam people out of money. Venmo should be just as diligent and responsible as PayPal in protecting the people who use their services. Otherwise they are complicit.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint to draw attention that my credit file contains a collection entry from your agency. This account have no monthly historical data and reporting inaccurate information. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Consumer complaint received 2019-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.
Consumer complaint received 2019-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I paid my debt in full on XX/XX/2021 of {$22000.00} to midland credit managet. They have continued to garnish my wages 5 times since than and will not return my overpayment of {$650.00} to me. It has been 6 weeks and I have called 2-3 times a week. None of this was explained when I paid my debt. They just took my money and continued to do so after I thought it was over. Had they explained that paying my debt in full would not stop my garnishment I would not have done so. 
They lied when stating the garnishments would stop if paid in full.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (FL)

I contacted my Credit Union to retrieve money I gave to Guaranteed Rate for appraisal and to continue the refinance process. Due to legal documents signed they could not retrieve the money. 
Online I contacted Guaranteed Rate to refinance my property. I was looking for an interest rate of 3.75 % or lower and would not accept anything higher. XXXX XXXX ( loan  officer ) assured me I was locked in at 3.75 % interest rate, therefore on XX/XX/XXXX I payed Guaranteed Rate {$500.00} for the appraisal and to continue the refinance process.Any documents, bank statements, proof of income, taxes, etc. I provided for them. In addition I gave them information on a property my sister and I own in Michigan. This Michigan property was paid off in XXXX, is in a living trust and the trust is responsible for taxes and insurance. 
XXXX XXXX ( underwriter for Guaranteed Rate ), inadvertently used the property I was trying to refinance as the property in Michigan, saying there was a lean on it, thus denying my loan. I called XXXX and we corrected her first error thus continuing the refinance process. XXXX then said I was responsible for the taxes and insurance on the Michigan property. However, if XXXX would have researched the title of the property in Michigan she would have found that the property is in a living trust and the trust is responsible for taxes and insurance.This second error lead to a interest rate increase to 3.99 % which is unacceptable for me. Do to these two major errors, which could be considered as Fraudulent, ( do to the interest rate increase ), I believe I should get my money back. In addition I never received a invoice of the appraisal. XXXX XXXX did returned {$25.00} of the {$500.00} sent. The {$470.00} should be paid back to me to show good business practices, integrity, honesty, good faith, and the right thing to do. I do not believe I should have to pay for their mistakes.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (TX)

Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}
Consumer complaint received 2020-02-28
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. (TX)

Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}
Consumer complaint received 2023-02-04
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. (TX)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
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: CAINE & WEINER COMPANY, INC. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Understand that youre under penalty of perjury also. Caine & Weiner violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-08-30
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. (TX)

My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.
Consumer complaint received 2019-12-04
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. (IL)

XXXX XXXX XXXX is still showing as closed on my account. I dont know who this company is. Ive never done business with this company. I need them completely deleted from my account immediately please.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

Wakefield and associates had me served with court papers XX/XX/2020 for medical bills. They had already been paid in full by my insurance company. I was being sued for like {$450.00}. I went through and got my EOB from my insurance. Called the doctor 's office that sent me to collections they admitted it was a mess up on their part but said nothing they could do. Took my EOB personally to Wakefield and associates proved I didn't owe them anything. That was on a Friday, well Monday they still proceeded to go to court and lie about me proving that I didn't owe the debt to obtain a garnishment order. I then called back after I received the order in the mail to ask them why or how they were going to garnish when I already proved I didn't owe the bills, they still garnished my husband 's check for almost {$300.00} for bills we did NOT owe! Well now it's happening again! I sent a letter contesting these latest doctor bills they are suing me for as I don't get bills from our local hospital only sent to collections so I have no idea if I owe them or not. Yet they're ignoring it once again, and have a garnishment order on my husband 's check! Not to mention in a pandemic where it's touch and go if we will have groceries! This company feels they're above the law and don't have to follow fair credit collection laws!
Consumer complaint received 2023-11-29
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans union has in the past and continues to discriminate against me. I have filed more than one complaint against them but because cfpb doesnt do anything but send them my statement and they know you wont investigate the facts which have been stated, but I will state them again. Trans Union for more than 20 years had my name spelled wrong and my birthday wrong. Their is no way their information can be fully correct, I asked them to audit all the right information they received or didnt receive that would make their credit report right. They refused and my credit score has always been and is now way different from the other agencies. This has caused me to miss out on things I should have had and ruined my life. The difference in scores is between50 and 80 points, which is unheard of. If cfpb will not investigate them then I should be made aware of who can
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER (FL)

I bought a property on XX/XX/XXXX with Home Financing Center, XXXX as the lender, the title company recommended by them for the closing was XXXX XXXX XXXX, XXXX. The Warranty Deed prepared by XXXX XXXX was recorded with and error on my post office address which has the zip code incorrect and is missing the apartment number. I noticed the error on XX/XX/XXXX and brought that to their attention requesting to send a correction to the county. I was informed that an error on the mailing address will not affect the title and the Warranty Deed will not be re-recorded. However, since I did not receive the XXXX Property Taxes bill in the mail and went into the county website on XX/XX/XXXX and I found out that the Property Taxes from XXXX are still due, a Delinquent Tax Certificate was issued on XX/XX/XXXX but I never received the notice because my mailing address is incorrect. I immediately called the company for an explanation about this and they told me the case will be investigated and will submit the payment as I am not responsible for those previous property taxes. As per today, the amount of {$900.00} for XXXX Property Taxes are still delinquent and I have not received an explanation either an apology from the title company. I have been calling and spoke with several people and they keep saying that the bill eventually will get paid and I should not be concerned about that. In addition, regarding the mailing address they told me that I have to go or call to the county and fix it myself. I feel this issue is being handled carelessly without any urgency or consideration from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

LOAN CARE REFUSED TO MODIFY MY LOAN AFTER MY EXTREME HARDSHIP,
IVE HAD XXXX XXXX AND SUFFER WITH XXXX

I FEEL ABUSED THAT LOAN CARE WILL NOT RESPOND

I WORRY EVERY DAY THAT FORECLOSURE COULD BEGIN

I MUST SHORT SALE MY HOME AFTER OWNING IT FOR 17 YEARS

LOAN CARE COMES UP WITH ALL KINDS OF EXCUSES AND WILL NOT APPROVE MY SHORT SALE; I COULD LOSE THE BUYER

WE VE MISSED 4 CLOSING DATES

THE BUYER HAD TO PAY EXTRA TO SECURE THE LOCK ON HIS NEW LOAN
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

I have sent multiple letters asking for verification of this debt. I currently have services with XXXX who Convergent is seeking payment for which doesnt make sense how i will have services but owe this huge amount. I have contacted the company numerous of times to get them to fix the amount owed and they continuously send me a bill that i don't remember and a bill showing a past due amount but not showing me where this information came from. I sent a letter for method of verification and i am not getting what i need.
Consumer complaint received 2023-02-04
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. (GA)

I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX File at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.
Consumer complaint received 2019-01-29
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (GA)

The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.