davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

On the XXXX of XXXX, XXXX, I had a physician 's visit at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ). This doctor 's office is affiliated with Texas XXXX XXXX XXXX. I submitted my medical coverage insurance ID card to the front desk prior to being seen by XXXX XXXX. On XX/XX/XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX that stated that they were calling on behalf of the XXXX XXXX XXXX in an attempt to collect a debt. I called that number and spoke with one of the company 's representatives. She informed me that I owed an outstanding balance of {$320.00} that had been submitted to the company by Texas XXXX XXXX XXXX. Prior to this call, I had never received any bill from either Texas XXXX XXXX XXXX or XXXX XXXX XXXX. I then contacted my insurance company ( XXXX ) and was informed that I was supposed to co-pay only {$20.00} for the physician 's visit. I connected that XXXX representative to a XXXX XXXX XXXX representative, and during this interaction the XXXX representative did inform the XXXX XXXX XXXX representative that the insurance company had already paid the majority of the account and that I was supposed to pay only the remaining {$20.00}. The XXXX XXXX XXXX agent promised to look into the issue and get back to me as soon as she had an update. However, I have never received any update from her or the XXXX XXXX XXXX XXXX since that conversation. On XX/XX/XXXX, I received an update from XXXX and XXXX credit bureaus that the XXXX XXXX XXXX had submitted the debt collection to my credit reports. I submitted a dispute of this account on XXXX on XX/XX/XXXX and did include the proof that my health insurance had covered the charge in my dispute. My dispute results came back on XX/XX/XXXX with the following status " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' I submitted another dispute through XXXX and included the proof of insurance coverage benefits. The results of my dispute came back on XX/XX/XXXX with the same investigation status as the one from XXXX. Although I did submit the evidence that the account had been paid for by insurance company, these credit bureaus took no action to protect me as a consumer. The balance of {$320.00} is still on my credit report and my credit score has been significantly hurt by this.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Terrill Outsourcing Group (GA)

Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX  in XXXX ha but getting a call from California the very next day being threatened
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PIC Capital, Inc. dba Direct Home Lending (CO)

I applied for a home mortgage on XX/XX/XXXX. I submitted everything, but we back out of the original purchase. We then purchased another new build. I submitted everything to the lender on XX/XX/XXXX. XXXX, updated documents, paystubs, w-2, etc via his website. I remember reviewing the XXXX- loan estimate. The fees were correct, and the rate was correct ; I saved it via his website. On XX/XX/XXXX, he emailed me I didn't get him the updated information to which I then emailed him everything, as I had forgotten I did everything on his website. I recently lost my dad, and my mom was in the hospital with XXXX. I was under a lot of stress. So, come XX/XX/XXXX, and he wanted me to sign another XXXX loan application plus another XXXX with higher fees to the tune of $ XXXX outrageous and a higher rate. 

I am a XXXX XXXX XXXX XXXX, so I am very familiar with the XXXX and how the mortgage process works. 

I do not want to sign this updated XXXX with significantly higher fees. Original fees were {$1500.00} around. 

He has already pulled my credit. I've shopped lenders and had my credit pulled 4 times because of other lenders pulling this same thing. 

I know I originally saved everything on his website, but it's all gone. Nothing is there, not even the original signed loan documents. 

This is unacceptable.
Consumer complaint received 2019-10-06
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: MAJR Financial Corp (NV)

I have noticed that MAJR FINANCIAL CORP have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report  under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (FL)

This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. 

On XX/XX/XXXX I called to check my balance and heard transactions that were not mine, ( XXXX ) XXXX XXXX dollar bank transfers on XX/XX/XXXX. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. 

I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! 

During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. 

They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.
Consumer complaint received 2022-02-23
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. (GA)

XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Accounts and Inquiries are reporting on my personal credit file with ( XXXX/Experian/XXXX  ) credit reporting agency. These Accounts and Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, Equifax, and XXXX the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX  has 4 days to remove them!!!!!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Today ( XX/XX/22 ) we received a letter in U.S. mail advising us that our mortgage has been transferred from Freedom Mortgage Corporation to XXXX dba XXXX XXXX, effective XX/XX/22. Upon looking up XXXX. XXXX to see about setting up an online account, I found this press release from the Consumer Financial Protection Bureau ( https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-multiple-states-enter-settlement-XXXX-unlawful-servicing-practices/ ) and read the accompanying legal documents describing the consumer financial laws violated by XXXX, causing substantial harm to the borrowers whose mortgage loans it serviced and the {$85.00} million dollar settlement that XXXX was required to pay out. 

Horrified that we were being required to do business with a company that had shown itself to be untrustworthy in their mortgage servicing practices, I immediately called Freedom Mortgage to find out what my options are - can we stay with Freedom Mortgage or be transferred to a mortgage company we could trust? One XXXX could not tell me from where the decision to sell our mortgage had emanated- he had some vague idea that it was a bank. Why should a mortgage company or some shadowy, unnamed bank have the power to make these decisions irrespective of the consumer 's wishes? After speaking to 9 different people and being told over and over that there was a ) nothing they could do since the transfer was already complete ; b ) this is just the way mortgages are handled ; or c ) to stay with Freedom Mortgage we could refinance for a worse deal than the one they gave us 6 months ago, we decided that our only option was to lodge a complaint with your bureau.

HERE ARE OUR MAIN ISSUES : 1 ) We were not informed of this transfer before it was a completed transaction.

2 ) We are not being given any choice in the matter of who we do business with in this repayment of our largest debt.

3 ) We should not be forced to do business with a company whose business practices we can not trust.

4 ) If this is the way that the mortgage industry does business, then it should be forced to change. 

How should we handle this going forward? Since we don't want to deal with XXXX, we offered to continue making our payments to Freedom Mortgage, but we were told that they could not accept payments after XX/XX/XXXX. What do you advise? 

Thanks in advance for any help you can give us in resolving this issue.
Consumer complaint received 2018-08-20
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: EQUIFAX, INC. (GA)

To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Westlake Services, LLC (TX)

My credit card was issued by XXXX on XX/XX/XXXX it was sold or transferred to Westlake Portfolio Management in XX/XX/XXXX, due to XXXX going out of business. My monthly payments were always {$35.00} due on the 1st of each month. I made my first payment on XX/XX/XXXX with a customer service representative. When XXXX & XXXX came my payment was considered 3 & 9 days late and I was charged a late fee which I paid. My XXXX payment was made on XX/XX/XXXX via the mobile app but my payment posted on XX/XX/XXXX and I was charged yet another late fee. On XX/XX/XXXX I called and spoke with a customer service representative named XXXX, I had previously spoken to 2 other reps but the calls were disconnected both times. XXXX said that my payment was considered late because their system doesn't post the payment until 24 hours later, I told XXXX that I have never made a payment on the due date and it be considered late. XXXX said she would put a request in to have the fees reversed and it could take 24-48 hours she said to call back and verify that it was reversed XXXX also processed my XXXX payment for {$45.00}. I checked the mobile app on XXXX and noticed that I was charged another fee of of {$9.00} for an unknown reason. I checked again on XXXX and was charged yet another fee of {$9.00} bringing my total due to {$19.00}. I called on XXXX and spoke with 5 different reps of those 5 I was disconnected 4 times by the rep when they were suppose to transfer me to their " credit card department '' the 5th time I called I spoke with XXXX who said that they did not have a credit card department he then transferred my call to XXXX XXXX, XXXX looked into the account and said that the fees were justified because my payments were considered late. She said she would request a call back from a department who can handle my account. The contract details say that the amount financed is {$650.00} with a 0 % APR and a monthly payment of {$45.00}, the contract states it ends on XX/XX/XXXX, this is all incorrect I am being charged interest and it is not been disclosed to me with those amount I would end up paying {$1400.00}. I sent an email to XXXX expressing my issues about my account I received a response that said I needed to speak with a rep, unfortunately their reps just like to disconnect the calls and can't help with my account. When looking at my statements I am being charged interest but the balance amounts do not match.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

A like 6years ago my purse whent missing along with my cards Bank cards cell phone and important paper work I.D and social security card ever seens then someone has been using my Identity for credit cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for credit card for XXXX dollars it's been there for a while it's effecting my credit and I can't buy a home or buy a car because of it
Consumer complaint received 2021-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (OK)

I previously had a loan with freedom plus.com when I was a company employee is employee for Is the trucking company I worked for. I recently paid the loan off early Under the self employment that I currently have now. I went to freedom plus.com to inquire about a another Loan and they're refusing me for debt to income ratio for the tax year 2020. Being that I didn't have enough time in self employed they're refusing me for a XXXX. They have also made a hard inquiry on credit score.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I submitted the the request to TransUnion, with an attached FTC report.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Subject : Reward points Date : XX/XX/2021 XXXX PM XXXX XXXX XXXX From : XXXX To : XXXX Sent from the Internet ( Details ) I was solicited by a Citi mailing to acquire a rewards plus account in XX/XX/2021 at which time the offer stated that if I spend {$1000.00} within the first 90 days I would receive XXXX points! Had I been advised at the time of procuring this card I would have not pursued it! 

I applied and spent in excess of {$1000.00} on XX/XX/2021. I subsequently did not receive these points and inquired on 3 separate occasions and was advised that it takes up to 3 billing cycles however I was entitled to these points. 

Today I called and was informed that I am not entitled to these points as I had some past transactions that were blocking this transaction? 

The solicitation was clear and I followed all of your instructions and I should be entitled to these points. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all XXXX credit bureaus.