davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-13
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. (NC)

I contacted Equifax in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX about the collections listed on my credit report. I have made several attempts to take care of it. I shared with Equifax the accounts were not reporting accurately. There were several inaccurate items listed on the collection accounts from XXXX XXXX. Equifax sent back statements that said it was verified. I did not ask Equifax to verify the accounts. I asked Equifax to send me documentation or the proof they had since they stated it was verified. According to my records the items are not reporting accurately and must be removed. 

I sent Equifax letters asking I've asked Equifax to send me verification in XX/XX/XXXX of who they spoke to since it says, it was verified and they sent a credit report back in XX/XX/XXXX without verification which is what I requested. They changed the amount on the collections. Where did they get that amount from? Who are they speaking to? They are obviously not complying with the law. I am aware the law mandates them to comply with a consumer requests if they can can not provide the documentation or they must delete and they have failed to do comply with the law multiple times. I have provided documentation of a person signing for it, so they received the letter. I have proof of how they changed the information on my credit report without providing any type of documentation. Equifax continues to not comply with the law.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. 

Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I called on XX/XX/2018 to request the phone calls from this number to stop because I DO NOT HAVE DEBT. I have never had anything go to collections and I have an excellent credit history. I do not use credit cards to spend above my means. I do not have any loans that would warrant a debt collector to call.

My call was answered by a recorded message that directed me to visit www.PortfolioRecovery.com THIS IS A SCAM WEBSITE that asks for personal information including SSN.

Information warning others that the site is a scam can be found online.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (NV)

On XX/XX/2022, I checked my spam folder and noticed 2 emails, sent by two different individuals on different days, both stating that a case would be downloaded in a few days that the court house if I didn't pay back money that was owed. It listed options but never once stated the business that the money was owed to. In the emails, an individual is listed as a point of contact as well as other allegations that will be used against me. They are : XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER I have not reached out as it was in my spam folder, but those are hefty allegations to put against someone without giving them ALL information.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

I submitted a claim for XXXX reimbursement for my wife 's transportation to the XXXXXXXX XXXX on XX/XX/year> in the amount of {$4.00}. A copy of the XXXX XXXX report was included with the claim to show that services were rendered on XX/XX/year>. There was no charge for the clinic service. The claim was denied for reason " Document missing expense amount. '' The document did not have an expense amount because there was no fee from the clinic for the XXXX XXXX. However, transportation cost should still be reimbursed. My claim clearly indicated that the {$4.00} was for XXXX XXXX. 

This is substantially the same issue as the processing error that occurred with my own recent claim for transportation to the same clinic. Optum Bank admitted that they made an error, but they obviously have taken no action to retrain their employees. As such, Optum Bank is perpetuating the problem. Only the most persistent customers -- those who complain to the CFPB -- are getting reimbursed.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in JXX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing supposedly took over the Servicing of a purported mortgage in my name around XX/XX/XXXX. Select Portfolio Servicing ( SPS ) misled me by telling me I had to miss three consecutive monthly mortgage payments to be eligible for a loan modification after my monthly payments more than doubled and the housing crisis caused the value of my home to plummet to less than the amount I purchased the home for. Despite numerous applications for a loan modification, demands to see the wet ink note under MA law, attempts to resume monthly payments, Appeals, and more, I was put through such a nightmare of constantly submitting, resubmitting documents, dual tracking, unfair debt collection practices, and an unlawful foreclosure auction held on XX/XX/XXXX.on my  property. SPS is a debt collector unable to foreclose on property. They are not licensed in MA, They have foreclosed on numerous properties in MA and are still in the process of foreclosing on other properties. They represented themselves to me as a servicer for a purported mortgage in my name held by XXXX XXXX, yet XXXX XXXX, XXXX. has no records of me. My original mortgage was two subprime mortgages with XXXX XXXX XXXX   100 % of the purchase price of the property with adjustable rate mortgages. One, with a  balloon payment, which was not explained to me. XXXX XXXX XXXX XXXX went out of business around XX/XX/XXXX. Supposedly, my mortgage was transferred to XXXX XXXX, as trustee for XXXX XXXX XXXX, as mortgage backed securities XXXX without my consent. The recordings at my local Registry of Deeds on the transfer of assignments are signed fraudulently by known robosigners and are self-serving. These records are now being used against me in a Court of Law to obtain possession of my home and evict me. I am a XXXX widow trying to defend myself in a Summary Process eviction attempt. The XXXX and intentional infliction of XXXX XXXX thats been inflicted on me by Select Portfolio Servicing has created severe health problems for me causing me to miss Court deadlines and hearings. There are numerous issues of law involved including contract law, unfair debt collection practices, illegal securitization, illegal foreclosure and fraud.
Consumer complaint received 2021-07-15
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: HW Holding, Inc (MD)

I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/XXXX. I departed and submitted all keys on XX/XX/XXXX. Also per the documentation I have provided all fees had been paid as of XX/XX/XXXX. Please view that the amounts owed were addressing the dates from XX/XX/XXXX until XX/XX/XXXX. 

The company Hunter Warfield , Inc replied : The consumer states the account was paid to the original creditor on XX/XX/XXXX. The consumer also states she does not owe past-due rents and requests Hunter Warfield for tradeline deletion. XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$11000.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$2700.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. The consumers dispute was reviewed with our client XXXX XXXX on XX/XX/XXXX. Hunter Warfield was advised the consumer was charged only for fees listed in her lease agreement. Also, the rental contract ended XX/XX/XXXX but the consumer submitted the keys on XX/XX/XXXX. We are enclosing for the consumers review, copies of the account ledger and the security deposit disposition. This information may help the consumer to review the nature of the charges. Personal information has been redacted for the consumers protection. Lastly, the consumer has requested deletion of the trade line. We are unable to do so because there is no valid reason, i.e., error in reporting, that a deletion should take place. Therefore, the facts justifying deletion are not present. 

I have proof that the company Hunter Warfield , Inc had been provided incorrect information, defrauded by XXXX  at XXXX XXXX/XXXX XXXX./XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX. 

What has taken place is landlord retaliation in which litigation is currently in effect. 

Hunter Warfield, Inc is now involved as the collection actions have now added to the financial hardship, pain and suffering caused by XXXX XXXX XXXX XXXX/XXXX XXXX./XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Signed debt consolidation loan on XX/XX/XXXX, bank insists check was mailed however credit card company never received payment as of XX/XX/XXXX. Bank refused to cancel check until after 90 days, after 90 day period still claims they can not cancel until XXXX signs waiver, XXXX refused. Meanwhile, I continued to make monthly payments to the credit card as well as the consolidation loan, including interest. My credit report reflects the amount of the loan as well as the previous debt, since there is no validation a check has been sent out, and no payment received. My credit score also has dropped significantly and continues to lower, preventing me from taking out a line of credit. XXXX XXXX XXXX XXXX denies responsibility for the missing check, claiming the consumer must request certified mail and stated it was a courtesy for them to have agreed to mail it.
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US 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 2019-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX XXXX XXXX XXXX XXXX once again illegally shared information about their case against me with a third party. 

Previously, they had mailed information to my father. Their response indicated that they were required by law to send such materials to my physical address instead of my mailing address. However, what they sent was just a regular notice of garnishment. They had sent them to my Post Office box previously and did so following the incident. 

This time, on the afternoon of Friday, XX/XX/XXXX, their agent knocked on the door of my father 's home, handed him a Motion for Revivor of Judgement, and left. It was not in an envelope. My father is willing to testify to this is court. 

Moreover, I've researched the company and they have a long history of such tactics.
Consumer complaint received 2017-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (CA)

I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.
Consumer complaint received 2023-03-29
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. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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 records of convictions of crimes which antedates the report by more than seven years. 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 that the information is inaccurate. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I have been trying to make a payment with my mortgage company LoanCare. I haven't been able to pay online and have finally figured out that they transferred my loan to another company and I didn't receive notice that this was going to happen. I looked in my payment history and it says XX/XX/2019-XX/XX/2019 Loan Service Transferred and everything has a XXXX  balance. I have been trying to pay my mortgage for more than a week now and didn't understand why it kept giving me an error message. I have not idea who my new loan servicer is and I haven't been able to make my XX/XX/XXXX payment! I don't want to go into default for missing this payment. How do I figure out who my new loan company is and if they have everything to receive my XX/XX/XXXX payment?
Consumer complaint received 2021-11-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On XX/XX/XXXX there was a collection account placed on my credit report from Wakefield & Associates for {$3800.00}. This debt came from XXXX XXXX originally in XXXX after attending school there. XXXX informed I was unable to make payments to XXXX but I would have to wait for the account to go to a collection agency and pay the collections agency. It was sent to XXXX and I set up $ XXXX monthly payments with them. XXXX, XXXX, and XX/XX/XXXX bank statements show the automatic payment coming out of my account. Then it stopped. There was no communication about this. Nothing by phone, email, or mail. They have my correct address on file. And now my credit has suffered drastically because of this account being added as past due when I had no knowledge of it and XXXX failed to inform me of anything.
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Machol & Johannes, LLC (CO)

Machol&Johannes,LLConceagainillegallysharedinformationabouttheircaseagainstmewithathirdparty.

Previously,theyhadmailedinformationtomyfather.Theirresponseindicatedthattheywererequiredbylawtosendsuchmaterialstomyphysicaladdressinsteadofmymailingaddress.However,whattheysentwasjustaregularnoticeofgarnishment.TheyhadsentthemtomyPostOfficeboxpreviouslyanddidsofollowingtheincident.

Thistime,ontheafternoonofFriday,XX/XX/XXXX,theiragentknockedonthedoorofmyfather'shome,handedhimaMotionforRevivorofJudgement,andleft.Itwasnotinanenvelope.Myfatheriswillingtotestifytothisiscourt.

Moreover,I'veresearchedthecompanyandtheyhavealonghistoryofsuchtactics.
Consumer complaint received 2021-07-15
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. (OH)

Equifax continues to report an account that I, XXXX XXXX XXXX XXXX ( CONSUMER ) reported as Identity theft since XX/XX/2018. I sent a police report and countless letters in regards to this matter. XXXX account # XXXX is not mines Block and remove it from my consumer credit file
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Consumer complaint received 2022-07-08
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. (NV)

XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

I was banking with Chase they closed my account said the bank decided to end the relationship. I had XXXX in my account they said they needed to verify the check from the original maker they said the funds would be in suspense intelligent the spoke to the person. The other bank XXXX XXXX  has paid the funds to my account it's been 15 days. at one point they said my funds were mailed on XX/XX/XXXX, that was a lie I have spoke to several people everyday and have stepped into the branch still no resolution