davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (WI)

We have received incessant calls from XXXX XXXX XXXX. Robocall leaves a message and says to go to XXXX if you want the calls to stop or to call XXXX. That website is wrong, the phone number is always busy. But I found their real website XXXX XXXX XXXX   Their real phone number is XXXX. They are calling about a debt that is for an ER visit to the hospital that was part of a closed XXXXXXXX XXXX XXXXXXXX claim. They should be calling the employer XXXX XXXX XXXX XXXX to resolve any unpaid debts, not the XXXXXXXX XXXX  XXXX injured employee. The hospital turned the debt over to debt collectors that are always bothering us about the debt instead of contacting the responsible party, which is the above-named employer.
Consumer complaint received 2019-02-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

Ive got 3 collections Im paying on. XXXX XXXX XXXX which I have 2 correctly reported my balance. One Main Financial never does. I owe around {$6000.00} and the have me over {$7000.00}. I told them about it and they tell me its all done by computer. I dont buy it. Also Im making payments on XXXX XXXX for a truck for {$300.00} a month and its not even on my credit report. I surrender the vechiele and thy said I owed {$4500.00} I have paid {$900.00} on it all ready and being not reported am I even supposed to be paying on this? Thank
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (TX)

Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (TX)

Unauthorized inquiries on my credit report. Unauthorized inquiries are as follows. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I tried resolving the matter directly with no results.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credence Resource Management, LLC (FL)

XXXX XXXX XXXX Cancel service after having the phones for a week. They claim my number belong to someone else. After contacting fraud department. They advise me go to XXXX XXXX XXXX Corp store. I did. My issue wasn't never resolve. Now it's in collections. They claim I owe {$2600.00}. 

This number came from my son account with XXXX XXXX XXXX. I had this number XXXX for five years.
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. At the time I was not aware i was approved. It was just deposited in my account after i submitted the application. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times. BEWARE OF LOAN SHARKs.
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NY)

The company has a rep by the name of XXXX who is calling my main company line harassing and leaving messages for me. The company has my email and cell phone number. The company no this rep has no right to contact me or my co workers at my job it is embarrassing
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

To whom it may concern, on XX/XX/XXXX I sent an email to the Executives Office of Discover regarding a late payment they are reporting on my credit report. In this email I explained in great detail that in XX/XX/XXXX I was hospitalized and diagnosed with XXXX   XXXX XXXX XXXX of both XXXX. I was XXXX  over two dozen times the previous month before being diagnosed. I was out of work and on heavy XXXX medication. I was not sure if I would survive. I requested that Discover look into the late payment because I thought I had paid the bill but could not be sure due to the circumstances. I requested that discover consider extending a goodwill offer for this one payment. On Tuesday XX/XX/XXXX I received a letter stating they could not reverse the late payment report. Because of the short time between the time I sent the email and the time I received a response, I couldn't help but believe that my account had not even been looked into nor my circumstances be taken into consideration. On XX/XX/XXXX, I sent another email to the CEO and received an additional letter by mail on XX/XX/XXXX, stating they already responded to my request. On XX/XX/XXXX I followed up with an email again further explaining that I am in the process of purchasing an house and that the payment in XX/XX/XXXX was beyond my control giving my medical condition. I am Anyone who has ever been affected by XXXX or has a family member affected by it, knows that it is a life or death situation. I received an email back from XXXX on Monday XX/XX/XXXX which was an automated response/copy and paste of the generic letter I received in the mail. My problem is that Discover 's mission statement states they " Our mission is to help people spend smarter, manage debt better, and save more to achieve a brighter financial future. '' If this is the case then penalizing a member for enduring a life or situation that was beyond her control hardly is in line with the mission. Requesting that this late payment be redacted is not outside of their scope of capabilities as I explained to XXXX as my elderly mother who has been a card holder for over a decade underwent XXXX XXXX and was XXXX for months and missed several payments and she requested a goodwill and it was granted. She was also offered an increase on her credit limit to XXXX despite her telling them she was on a fixed income and very sickly. This is unfair and discriminatory practices by Discover with no concern for the credit worthiness of the consumer.
Consumer complaint received 2018-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I modified my 1st loan in XXXX/ XXXX through the Department Of Justice settlement due to loss of income. It took several years to obtain the modification. I was told that my 2nd lien ( home equity line ) had been charged off and forgiven " liquidated ''. My first lien was lowered to the current market value. I have not received any correspondence from the 2nd lien holder for the past 5 years nor has the 2nd lien been reported on my credit report. Earlier this year I obtained a home equity line through XXXX XXXX. We assumed that XXXX  was in 2nd position. In XX/XX/XXXX I learned that a NOD and Election to Sell had been recorded against my property. I was not properly served. The assignment from XXXX to XXXX XXXX is fraudulent. That assignment was allegedly notarized in XXXX but not recorded until XX/XX/XXXX. XXXX XXXX  was not affiliated with XXXX in XXXX. SLS, the servicer for the 2nd, won't release any documents to me. I have requested a copy of the letter that XXXX sent to me stating my loan had been charged off and liquidated. Furthermore, I was provided a document showing that I had modified the 2nd in XXXX and that my balance had increased from {$95000.00} to {$220000.00} in less than 2 years. This is not my signature on the document and how could an equity line increase that much in less than 2 years. The clock is ticking and I am not getting any explanation from the 2nd lien holder. See attached letter.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (IL)

Money was transferred from my account to another account that I didnt authorized and when I disputed the transactions they told me my money was able to be recovered cause I had mobile banking and that I should of reported the issue same day cause I noticed the transactions next day and reported it
Consumer complaint received 2019-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (PA)

On or around XX/XX/2019 I called Citibank to inquire as to why my credit account was not updated for the month of XXXX. Upon asking why it has not been updated I was told it was because of having a {$0.00} balance that they are not required to update, in essence keeping the last update months behind and that is not transparent or factual when it comes to keeping my disclosure current. I called again on XX/XX/2019 and spoke with XXXX and as I explained or at least tried to, she mid conversation cut me off and said her manager has just told her that she would update my account with the Bureaus. She lied, today is XX/XX/2019 and contacted Citibank again and was told that if I could not fax or mail a copy of my financial disclosure that they could not help me even when I explained to them that I am XXXX and dont have access to a Fax machine or copier to be able to start a dispute with them. Upon me telling me that I couldnt meet those expectations I was told to dispute with reporting bureaus or Cfpb. So here I am starting an investigation to accomplish something Citibank could have done with a few keystrokes. The lack of empathy and general concern for their customers is astonishingly Absurd. In conclusion, all I want is for Citibank to update my disclosure every month.
Consumer complaint received 2018-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. 

Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX. 

I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This was happening back XXXX to XXXX when Bank of America was investigating the item. I have notified them and they would give me temporary credit and take it back. Ruin my business account and my daughter account. Then when they took the last bit of my account was a the heights of the pandemic closing everything no one could help when I called the bank. This resulted in my accounts being close with negative balance. Its says it black and white on my statement its Doesnt have my name on it {$1700.00}. I want my money back and my accounts cleared up. I have had no problems with this account I always had average XXXX monthly or more comin in.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (MD)

When I purchased my car I called VW to ask them if for some reason I had to move or leave the country due to work/school, if I would be able to transfer my loan to someone else fully. I was told over the phone that it was not a problem at all. Now I am being told that I would still be listed as the co-owner and responsible. There are too many people giving me different answers and now I may be stuck with a car that I bought based on different information.
Consumer complaint received 2020-02-06
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. (OH)

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about 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 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 XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I tried to have Bankruptcy removed from LexisNexis report.On XX/XX/2020 I received a letter from LexisNexis dated XX/XX/2020 that doesn't state anything removing All bankruptcies from there report ( s ). 
Consumer Number : XXXX Case Number : XXXX XXXX, XXXX, XXXX has removed the Public record " Bankruptcy '' from the credit reports except LexisNexis.The 10 years is up
Consumer complaint received 2020-02-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

Ocwen loan account # XXXX XXXX XXXX I am unable to log in or receive my year-end tax information for 2019.

The company with my information was Ocwen loans now the website is PHH mortgage questions.

I have followed the website information.

I talked with a rep. at PHH mortgage ( unable to locate information ) Forgot password and user name.

called with account information through the automation system.

I need my 2019 tax information to complete my taxes.
Consumer complaint received 2020-02-06
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)

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX   XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Consumer complaint received 2019-02-09
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. (MO)

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX be removed / blocked from my report the account says it was opened XXXX, but the inquire says XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened date XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Consumer complaint received 2020-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.