davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-02-23
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. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

An individual is calling me from the phone number XXXX XXXX XXXX. They ask to speak with " XXXX XXXX '' and would give no information as to who they are. This has been a repeated call. I called the number and it led to Portfolio Recovery Associates. After the second call I called back and a woman, I believe the name was XXXX XXXX answered. She indicated that she could not help me unless I provided " certain financial information ''. 

I have no outstanding debt. In one of the calls she referred to the wrong address and then asked for my address.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Two companies are at fault. The first agency is Equifax. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is XXXX XXXX  - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and Equifax. The original creditor explained they have a 30 day rotation before they would infowm XXXX  and recommended I contact XXXX  directly. I gave XXXX the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

My credit is currently frozen with the 3 credit bureaus as a result of the Equifax breech. I am not in the process of obtaining a loan and wanted to temporarily lift my credit freeze with Equifax. On XX/XX/2019, I placed three phone calls to Equifax representatives and after answering approximately 8-10 security questions to get through to a representative was told " our system is down, you'll need to call back in a few hours ''. I asked the first representative " what is a few hours '' and was told try back in two. Called back in four hours in an attempt to ensure success but again after entering answers to all security questions, I was told again that their system is down and that I would need to call back. Again I asked when? This time was told to call back in half an hour. Instead I called back in two and again, after entering all of the security prompts, was told to call back. This time I asked the representative why they could not call me back when their system was back up and running and was told " we can not call you back ''. 

Now today, XX/XX/2019, I attempted once again to get through to Equifax to left my credit and received multiple responses all after entering my secure data. First, I am told that today is a holiday and that their offices are closed. Then I attempted other prompts and was finally told that my request will have to be faxed in. This is not acceptable. I need my credit temporarily unfrozen by Equifax until XX/XX/2019. This was accomplished easily and handily at XXXX   and XXXX. The company that caused me to have to freeze my credit report is not cooperating.
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Consumer complaint received 2019-12-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (NM)

On XX/XX/19 at approx XXXX XXXX  MST, I called Cedars Business Services to ask who " XXXX XXXX XXXX '' was and spoke to XXXX XXXX. XXXX said this company also goes online as " XXXX '', I believe. I was afraid to go online to research them. 

I've NEVER done business with this company, nor have ever used their services.
Consumer complaint received 2019-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

The company 's name, according to them is Southwest Credit Systems. I do not know the company nor do I do I owe them anything!! They call repeatedly, and I've told them they have the incorrect information and not to call me again. I have several recorded messages left on my voicemail, even after I told them to stop calling me. I need help getting them to stop calling and leave voicemail for something I'm not even aware of. They even call after XXXX XXXX  when I'm already in bed.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Credit acceptance is the company that I lease a car with back in XXXX. I voluntary gave the car back because I could not handle the loan and they have not updated the balance on my credit report with the actual balance that is owed after the vehicle has went through the auction. They charge high APR rates and leave their customers to struggle.
Consumer complaint received 2019-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Nations Info Corp (NC)

On XX/XX/19 2 separate transactions were withdrawn from my account, {$1.00} and {$19.00}, I contacted my bank to inform them these were unauthorized transactions, I also had my debit card cancelled and reissued. I then contacted the company responsible for the transactions, they informed me that they had no record of my account. 

Then again on XX/XX/19 I had another charge of {$19.00} deducted from my account. I am contacting my bank to report this as another unauthorized transaction.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (TN)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : P & B CAPITAL GROUP LLC Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One 360 charged off my account in less days than what is stated in my agreement. I made 2 deposit within that time and attempted to make the last deposit to satisfy the negative amount. 

This is end-year consumer manipulation used as a way to cancel Capital One 360 old agreements and place account holders under new agreements that is more profitable for the company.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank states on their own website that they will not charge an overdraft fee for transactions under {$5.00}. I had a XXXX XXXX charge go through and they charged me the {$35.00}. They do this all the time. They lie. I want my {$35.00} back. They should not be allowed to do this. If they do it me they do it other people.
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIED MORTGAGE GROUP (MA)

We believe Allied Mortgage Group is running a scam to steal " fees '' from loan applicants and not delivering loans. 
1. We applied for a {$200000.00} re-finance mortgage on a house worth {$600000.00} with Allied Mortgage Group approx early XX/XX/2019. 
2. We submitted, in a timely manner, all income documentation required, W2s, income taxes, pay stubs, ... 
3. Allied set up a home appraisal and charged us {$500.00}. 
4. Allied 's appraiser appraised house in the current condition at {$600000.00}. We are in the process of upgrading the home with some of the updates " in process ''. The appraiser said the value will be higher when our updates are complete. 
5. Allied, XXXX XXXX, told us the mortgage was near completion in early XX/XX/2019 and we'd get our funds by mid XXXX. 
6. Mid XXXX, XXXX said that a deck repair in the front of the house was a " safety issue '' and prevents the closure. The repair cost {$30.00} in material and 2 hours of labor, which is negligible on a {$600000.00} house and has no impact on the appraisal value. 
7. We had to rush ( in the snow ) to complete this repair to satisfy Allied. 
8. Allied then wanted to charge and additional {$200.00} for an appraisal update for this {$30.00} repair. We had already paid {$500.00} for the appraisal and were starting to get the feeling that Allied was running a scam to collect fees from consumers without ever actually issuing any loans 9. I emailed XXXX and told him our concerns about the illegal, non-disclosed fees and our concerns about being scammed for fees and not ever getting the loan we applied for. 
10. XXXX ignored our contacts ( phone, email ). When I was finally able to get him to answer his phone, he was rude, obnoxious and verbally abusive to me and then hung up, very unprofessional and rude. 
11. I tried to get XXXX to roll the additional, undisclosed fees into the loan amount instead of forcing us to pay up front ( for fear that they would collect fees and never deliver the loan ) 12. XXXX cancelled the loan request, but denied refunding the fees we paid them claiming they can keep anything they want. 

XXXX and Allied are basically holding consumers XXXX and forcing them to pay undisclosed fees for trivial reasons. It seems they are scamming people out of fees for profit and not delivering loans. We feel scammed and cheated by Allied Mortgage and the loan officer XXXX. 

The mortgage we applied for is only 1/3 the value of the house we are re-financing. Our income is approximately 6 times the required amount ( per 28 % rule ) for the {$200000.00} loan requested. The only reason Allied declared for refusing the loan is a {$30.00} deck repair ( which is already completed ), and therefore doesn't make sense. 

Allied Mortgage Group XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

My mother, who is legally XXXX, has granted me power of attorney which is why I am submitting this on her behalf. 
My mother lost a portion of her income on XX/XX/XXXX when her previous employer ceased her XXXX pay. We applied for a loan modification through her current servicer at the time, Ocwen. All of the necessary documentation had been sent and during this time, her loan was sold to XXXX/PHH. Since that time, her loan has been an absolute disaster. How PHH is in business is beyond me. The modification was approved but her payment INCREASED. My mom made the decision to " just give up '' and accept their new modified terms. She was told by PHH that she will be on a trial-mod payment period and needs to make the prescribed 4 payments and she will then be reviewed for a permanent modification. 

During that time, PHH has regularly misapplied funds and has constantly contacted my mom to make multiple payments during the month. The most recent and egregious occurring on XXXX. My mom made a regularly scheduled payment on XX/XX/XXXX ( when she receives her SS income ) and the payment was put into a " suspense account '' and not applied to the loan. On XXXX, her homeowner 's insurance payment was due and PHH unilaterally determined that they would release the funds from this suspense account and use it to pay the homeowner 's insurance, despite the fact that my mom has an escrow account, and has been calling her nonstop stating that she is due for her XXXX payment. There has been no escrow analysis done and my mom has not had the opportunity to determine how she wants a projected escrow shortage handled, whether it be through a one time payment to bring it current or spread out and added to her payment. Additionally, PHH is misapplying the funds which has the potential to jeopardize her eligibility for the final modification. In speaking with them, they are advising that they have the right to apply funds as they see fit. I can not imagine that is accurate and everytime we call, we get a new story. Desperate to get some assistance with this horrific company.
Consumer complaint received 2022-06-01
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. (MI)

TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Auto  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-12-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

I included all of my WF educational financial services in my chapter XXXX bankruptcy that discharged in XX/XX/2019. The loans were not backed by the department of education, a non-profit and most of the loan proceeds were spent on non-qualified education related expenses per the bankruptcy code. WF did not object to the discharge nor make any claim towards the debt. The case is still open due to a stipulation I am paying to the trustee and the automatic stay is still in tact. I however am also trying to rebuild a positive credit history. I called WF and disputed the credit report twice. WF informed me on the phone two weeks ago that they do not intend to collect or sell my account to a third party however they are all still reporting past due on my credit report which is hurting my ability to refinance and obtain new credit to build a new positive history. I have repeatedly asked them to change the reporting on my credit as closed and not past due I will never be able to reestablish credit with all these loans reporting past due and I think it is a backwards attempt at collecting a debt while the automatic stay is in effect which in violation of the bankruptcy code and fair credit reporting act and debt collection practices. Please help
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (TX)

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by Experian, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can Experian, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than 2 months old. How am I suppose to purchase a new car so I can get him to his XXXX XXXX Dr checkups?
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Signed the loan paperwork for new vehicle at Nissan of XXXX on XX/XX/19, was approved for a loan and at 6.9 % APR. While finishing up paperwork employee called me a " breeder ''. On XX/XX/19 dealer asked me to come in a get my copies and plates for car. Got there and was told my original approval was denied and they had to finance me with Nissan. Said I would not leave with car if I didn't sign new loan agreement. I also asked to see the denial letter from the first bank and have yet to receive it. I also asked if I could simply return the vehicle and was told yes but it would be a voluntary repo and would severely effect my credit score. I have asked to speak with their General manager several times and owner with no response. Dealership has not paid off the trade in either after almost a month of the sale/trade in. The finance department has been rude, nasty, and terrible customer service the whole time.