davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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: Bread Financial Holdings, Inc. (MA)

On my first complaint to Comenity Capital Bank they provide a response stating that the because the application was fraudulently submitted and that they would contact the credit bureau to have the inquiries removed. Then on my second complaint I asked Comenity Capital bank to contact the credit bureaus but they replied that they cant find the applications of the inquiries that I am talking about. The inquiries are Comenitycapital/XXXX  inquiry date is XX/XX/2018 and Comenitycapital/XXXX  inquiry date XX/XX/2018. Comenity Capital bank has asked me for the correspondence that the bank sent to me and that is what I am including with this third complaint.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NM)

AD ASTRA RECOVERY SERVICES , INC has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX XXXX XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX XXXX   and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX   XXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I closed my account with US Bank at the XXXX XXXX branch in XXXX, Ohio. There were four pending transactions which I stopped payment on. The bank was to return the money that would have been paid on, but to date they have not returned the money which totalled {$540.00}. Since then my employer forwarded my direct deposit to this closed account on XX/XX/XXXX. They failed to inform my employer that the account had been closed and now my employer is trying to find where the money is at. It was not returned to their bank so they have put a tracer on it trying to find where the check got off to.
Consumer complaint received 2019-07-26
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; DP OF EDUC XXXX ; DP OF EDUC XXXX XXXX DP OF EDUC XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (MO)

On or about XX/XX/XXXX I XXXX XXXX maiden name XXXX XXXX took out a loan with Advance America unfortunately I had an economic hardship and wasnt able to payback said loan but today per an Advance America representative they sold my acct/loan to XXXX XXXX XXXX on or about XX/XX/XXXX XXXX XXXX   XXXX on or about XX/XX/XXXX per a Representative hired XXXX XXXX to collect on said account however for the past 3 years around tax time and again today of XX/XX/XXXX another frivolous company a name you cant find anywhere called from # XXXX called stating they were attempting to collect the debt on behalf of Advance America and had my Social Security number and date of birth and amount owed I today XX/XX/XXXX called Advance America and they stated there is a scam going around so I diligently asked if they had a data breach they said NO and advised me to contact XXXX XXXX XXXX which also advised me they didnt have NO data breach and they advised me to contact XXXX XXXX who also advised me they had NO data breach. Please understand this loan being outside the Missouri Statue of Limitations of 5yrs and the Fair Credit Reporting Act of 7yrs and a clear Violation of the FDCPA otherwise known as the Fair Debt Collection Practices Act there was definitely a breach of data with one of these ( 3 ) collection companies falling back to original creditor Advance America as they admit their are scammers calling and there all aware of this occurring but unsure how or why but obviously one of them have failed to advise the FTC Federal Trade Commission of this to warn consumers! This debt is now ( void ) in that its well outside the Statue of Limitations & Fair Credit Reporting Act & one of these ( 3 ) companies violated the FDCPA and consequences should entail a Class Action Lawsuit! And or an investigation by the Missouri Attorney Generals office and or Federal review/audit!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2022-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a XXXX Line of Credit from Bank of America ( BOA ) that was in excellent standing since 2010. My monthly bill was between {$200.00} - {$400.00} /per month. 
I have ( 4 ) complaints as outlined 1. Out of nowhere BOA sold my account to XXXX XXXX ( XXXX ) who raised my payment over 400 % in ( 6 ) months. 

2. I called and setup auto payment up to {$500.00} /per month, yet they withdrew {$750.00}, then {$1100.00} without notice or permission.

3. New requirements were asked of me to included certain additional insurance coverages that was NEVER required from the inception of the loan.

4. Before the sale of my loan BOA changed the terms of the loan over the phone that has adversely affected my ability to get a flat verses variable rate for NO reason. 

I only owe XXXX on a house worth XXXX .... yet these folks are forcing me out of my home.
Consumer complaint received 2017-07-24
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. (AL)

I was called by a collection agency about a debt that I had no knowledge of.  So this prompted me to pull my credit report.  I don't know if my identity was stolen because I don't know who could have done it however I have so many accounts on my report that don't belong to me!  I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway!  This treatment is illegal and I am currently looking for legal counsel.  This is a final attempt to get these items removed please help!  The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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 no knowledge of these accounts!  I have tried desperately to correct this problem.  Please help!  No one should be treated this way!
Consumer complaint received 2023-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

THE SERVICING OF MY LOAN WAS TRANSFERRED TO RUSHMORE XXXX XXXX. AT THE TIME OF TRANSFER THERE WAS A LOT OF UNRESOLVED ISSUES WITH THE SERVICING OF THE LOAN BY XXXX XXXX. THE FINANCIAL DATA WAS NOT CORRECT AND I REPORTED IT TWO BOTH SERVICERS. THErgo INACCURATE INFORMATION WAS NEVER FIXED. AT THE TIME THE LOAN TRANSFERRED INITIAL FORECLOSURE PAPERWORK WAS SUBMITTED BY XXXX XXXX ON XXXX XX/XX/XXXX. UNKNOWINGLY TO MYSELF, THIS WAS A VIOLATION OF THE DUAL TRACKING LAW. I WAS ACTIVELY ENROLLED IN THE LOSS PREVENTION PROGRAM. ( XXXX XXXX is currently investigating my account ). I have documented proof that from XXXX of XXXX thru XXXX of XXXX my mortgage was in a forbearance plan. This is documented on monthly statements from Rushmore and correspondence received from Rushmore. I received a notice from the court that a hearing to set a sell date had been scheduled by Rushmore in XXXX of XXXX. I notified the court that I could not attend due to the fact that my wife had just had emergency XXXX XXXX for a XXXX XXXXXXXX and it conflicted with medical appointments. I asked that it be postponed and attached medical documents with the request. I received no response and the hearing tok place. A sell date of XXXX XXXX of XXXX was scheduled and seeing as my wife was at home on XXXX XXXX, I filed emergency bankruptcy to stop the sell. My wife passed away at home on XXXX XXXX of XXXX. I have hired numerous companies to help stop the illegal sell of my home and I also have hired an attorney. I have informed Rushmore and the court that the foreclosing of my home violated the Federal Dual Tracking Law and have been ignored. I contacted the Regional Director from the VA that concurred with the fact that if any activity took place in regards to foreclosure it was a violation. At this point in time the foreclosure is still in process. Additionally, I have applied for a loan modification and have been denied whenever there are existing Hud and VA programs I qualify for.
Consumer complaint received 2019-07-25
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (TX)

They have my private medical information violation of 15USC 6802 ( b ) ( B ) and ( C ) and 15 USC ( a ) ( 4 ) my right to privacy, i have already sent them via certified mail # XXXX XXXX XXXX XXXX XXXX my first dispute letter and i have a complaint id # XXXX as well they are in total disregard for the law and this is their opportunity to cure their defect and the certified mail number XXXX XXXX XXXX XXXX XXXX 2nd attempt to follow the law THIS IS NOTICE OF THIER OPPORTUNITY TO CURE THIER DEFECT AFTER THAT A NOTICE OF DEFAULT WILL BE ISSUED AND I WILL TAKE THEM TO COURT AND GIVE THIER REGISTERED AGENT PROPER NOTICE OF ACTION
Consumer complaint received 2019-07-25
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: ERC (OR)

I am writing to file a complaint about XXXX. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. Enhanced Recovery Collection claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from XXXX saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The collection agency is reporting the collection account XXXX on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Acquired Assets, Ltd. (NV)

I just received a letter from XXXX and Associates ( XXXX XXXX XXXX, XXXX, NY, XXXX ) ( XXXX ) who apparently bought debt from XXXXXXXX XXXX in my name personally. They say that I owe {$2600.00} for a year of XXXX for my COMPANY that I did not want to renew for a year in XXXX XXXX XXXX  I did not renew the XXXX and the XXXX  stopped working inside of a month per what the XXXX firm said was going to happen. This firm has probably done this to many other individuals. Its not even a XXXX an individual would own.
Consumer complaint received 2022-12-02
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. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of conviction of crimes which antedates the report by more than seven year.

15 U. S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (MO)

The company Tek Collect contacted me about owing the amount of XXXX . They sent me an email offering to settle up my account with a payment of XXXX . After making the payment of XXXX XXXX they did not resolve my account and are still trying to collect XXXX . As if we never made a deal. I want them to settle my account as promised.
Consumer complaint received 2019-07-25
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: Credit Plus Inc (DC)

In XXXX I filled out an application for a Pre Approva letter for a mortagage and never completed the application process and on XX/XX/2019 I received credit alerts that I had a new Inquiry to my credit report. Credit Plus pulled my credit report without my consent. The application was never completed and I never authorized for my credit report to be pulled, they pulled my credit report and it had a major impact on my credit score with all 3 credit bureau 's. I have called the XXXXXXXX XXXX who I started the application process with and I have sent an email to Credit Plus who pulled the hard inquiry and still have not received a response.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Conn's, Inc. (TX)

I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

My complaint is against Sam 's club they have sold my account to a collection agency XXXX XXXX I can not get information on how I owe this balance of XXXX called Sam 's club no info XXXX XXXX is threatening and this account is time barred for 7 years since last payment on XXXX all phone numbers for XXXX XXXX are not reachable I made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me I spoke to someone from XXXX XXXX on XXXX XXXX XXXX can not reach anyone after
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I paid off XXXX  XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, experian and XXXX with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.
Consumer complaint received 2022-10-05
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. (TX)

I paid off XXXX XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX XXXX and equifax with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.