davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Lvnv funding llc deleted this account my credit report Last year bc it was not mine. I checked my credit report last month and its back on there. I have asked for original paperwork with signature. They will not provider that to me. They have sent me some off credit card statements etc. This company has broke all kind of laws. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing
Consumer complaint received 2022-07-10
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. (OK)

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NY)

I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX  XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago. 
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX. 

I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I received a XXXX alert a few weeks back regarding a debt collection agency ( Diversified Consultants, Inc. ) trying to collect {$500.00} from me, for XXXX. I contacted XXXX to obtain more details. XXXX, with me on the line, contacted Diversified Consultants, Inc. asking for more details. Diversified stated they were trying to collect on a debt from 6 years ago for XXXX. They provided little information but, because the account wasn't mine, they sent me a " fraud packet '' through the mail. After receiving the " fraud packet '', I notice they're asking for a copy of my DL, bank statements, proof of where I had lived 6 yrs ago, police report, and the packet needed to be notarized. Today, I contacted XXXX directly making them aware that this was not my account. I asked what cell phone number the account was under. They wouldn't give that information to me. I asked for a copy of the contract. They stated they didn't have that available. Frustrated, I then contacted XXXX  to dispute the account. The person I spoke with stated that they don't need proof from XXXX in order to leave the debt on my credit report. This is outrageous. XXXX demands I pay them {$500.00} for an account that isn't mine. XXXX adds a derogatory remark on my credit, yet will not provide me any supporting documents - no copy of a contract nor the supposed cell phone number. XXXX  isn't demanding proof of the debt either yet they insist on leaving the derogatory remark on my credit. In six years, I hadn't heard of this debt - I had not been contacted at all over this. Suddenly, I'm being bullied over a debt that isn't mine and I'm receiving absolutely no assistance.
Consumer complaint received 2019-05-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

did a loan modification. did not like the terms ; appealed it. they never addressed my concerns in the disagreement and just sent me another copy of the same agreement. escrow shortage ; I sent the money ; they sent it back. all month of XXXX I'm trying to resolve. today XX/XX/19 I call and they tell me my modification was denied because I did not send in a payment. who pays when you have disagreements? I am so tired of them. this all started when the government shut down and my husband passed away.
Consumer complaint received 2020-07-29
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. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX {$1200.00}
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) Transunion, XXXX, XXXX Dispute Letters with the dates times and amounts there was a total of 109 inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Consumer complaint received 2018-09-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Several months ago, I was deluged with phone calls from a company called Convergent as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified Convergent as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX  debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from Convergent representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DC)

I have a mortgage loan with Quicken Loans for my main residence at XXXX XXXX XXXX # XXXX. Washington, DC XXXX. About XXXX this year, I thought of refinancing my loan with Quicken Loans, and also talked to XXXX. Both offers were not good to me, so I stopped. The problem is that after I stopped Quicken Loans state that they started receiving Payoff Requests from multiple sources that they can not identify and they are charging me {$25.00} per each of these requests. 

I told them verbally and in writing that I am NOT refinancing my loan, and to STOP providing these information to anyone. They say thay dont know who they are, but they can not stop, either. 

Please help me. I am being victimized. I am an elderly, handicapped woman and I can not afford this scam. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MO)

I paid our mortgage for XX/XX/2018 on XX/XX/2018. PHH sent us a letter stating we were short on our escrow by over {$1000.00}. We have never been late on payments. We are always early on payments. PHH sent us a breakdown of the payments they have. Our XX/XX/2018 payment was not applied and the escrow for that month was not applied. We have tried contacting the company several times. We get sent to what must be a call center in XXXX where we clearly state the issue over and over and over again and a person with a very heavy accent is extremely confused as to why we are calling. They are not helping us at all. They refuse to let us speak to a supervisor or say the supervisor is too busy and will call us back. The supervisor never calls us back. This is not the first issue. They have claimed we didn't pay before as well and they ended up saying they lost our payments. Our bank had to call PHH and work with them to help PHH find our payment, which they had cashed and just apparently forgot or something. We are honestly not happy with this company at all. We did not choose this company and do not wish to work with them ever again. They are scam artists.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

I had a bill through XXXX XXXX XXXX XXXX in XXXX, Texas. I called them on XX/XX/XXXX regarding this matter. The original amount was covered by insurance.There was a patient responsibility amount for {$40.00} which was also paid. XXXX realized their error and my insurance, XXXX XXXX XXXX issued a check # XXXX on XXXX, XXXX, XXXX to bring the account to a {$0.00} balance, paid in full. I received a letter from XXXX XXXX XXXX on or around XX/XX/XXXX. I notified Paramount Recovery Systems collection company ( a XXXX XXXX ) on XX/XX/XXXX that the debt was paid on XXXX, XXXX, XXXX, prior to any collection attempts or credit reporting and also provided the check number. I called XXXX, again, and they have informed that I have a {$0.00} balance on all accounts, new and old, in their system. The account number that they gave me is completely different than the account number Paramount has listed. Paramount Recovery refuses to update their records to show paid and have placed a collection amount of {$640.00} on my credit report. I've called them numerous times stating that the information that they are reporting is inaccurate. They refuse to update and therefore I am requesting that they remove this item from all 3 credit bureau reports immediately.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (MO)

XX/XX/XXXX and its also reporting as opened on XX/XX/XXXX first inaccuracy this account is paid and closed at a XXXX XXXX credit report says its deposit related while the other two says installment. the amount is {$250.00} again with a XXXX balance and closed i called the company but they refuse to remove the account or report as positive
Consumer complaint received 2018-09-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. 
I am old my health is not so great and the thought of losing my home takes a toll on me. 
I need to know what happened with my payments of {$990.00} that were sent. 
Had my loan not been transferred, I would not be in this mess. 
I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. 
The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2021 XXXX deposited XXXX in my account and then capitol one froze my account and said they was closing it and have not and I can't get my money until they send it back to the sender and I've tried calling and emailing and still can't seem to get no one or response at this point I don't know what else to do so my money is sitting in this account and they are collecting interest all I want them to do is return the money to XXXX and they wont do that.
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc. (FL)

For the last 2months I been getting pH calls about XXXX XXXX I was told aggressively this your bill you open it very disrespectful after they were told the item was disputed they tell me 3 party sent that to them and it need to be paid didn't really get fair chance to talk without demanding a payment now it's different representative keep calling all day early in the morning, the company amsher if I'm not mistaking. Thanks.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found XXXX accounts under XXXX business on my credit report by the name of : XXXX XXXX opened XX/XX/2021. 

XXXX account has an account number of XXXX XXXX account number is XXXX I have no knowledge of ever signing up for these accounts. The accounts were not opened by me at all. Please remove BOTH of these accounts from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I received a letter in the mail from Comenity Bank regarding my XXXX XXXX account. The letter stated that as of XX/XX/XXXX my account was closed due to inactivity and information in your credit report. I dispute this action because I have made several purchases on my account, the most recent being XX/XX/XXXX. The letter goes on to list the following reasons for closing the account : bankruptcy status on credit report ( bankruptcy was filed and discharged 4 years ago ), delinquent past or present credit obligations with others, and unable to verify credit history. I called and spoke with a representative at XXXX XXXX who was unable to explain exactly the reason why my account was closed so I asked to file a formal complaint and was transferred to a supervisor who took a formal complaint. He did not seem too sure as to why the account was closed as he did not even have a copy of the letter himself. My account was opened in XXXX or XXXX and since then my account has ALWAYS remained in good standing. I have NOT ONCE gone over my limit and I have NOT ONCE been late making a payment.
Consumer complaint received 2020-09-20
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. (OH)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

IC System keeps adding/attempting to add itself to my credit report for a bill that is invalid and/or inaccurate. I have disputed this item on my credit report several times over as it has been reported by multiple collection agencies with falsified and/or inaccurate information. IC System collection reportings were previously deleted from my credit report but somehow IC System keeps managing to add itself back on for the same disputed item. It is my  understanding that a creditor nor collection agency can report falsified and/or inaccurate information on a consumers credit report. IC System with its various tactics keeps attempting to damage my credit report with falsified and/or inaccurate information. Please put an end to this.