davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

On XXXX I received a text and email stating I must provide my IRS information for verification purposes to Discover Card Services. My Discover account is an individual account non joint with no other account holders. I was told that my account would be closed if I did not provide my IRS file information which includes my spouse 's information. He is not on the Discover account which would make it illegal to request an individuals information that has no relationship to Discover. We file joint tax returns. My Discover account is not and has not ever been delinquent or a joint account. At the time of application before approval I assumed that they would verify information before extending credit. This illegal demand would be harmful to my credit profile if they closed my account as they state they will be doing if I do not provide my IRS information, I have no joint credit accounts with my spouse and depend on my credit profile. Discover not be able to report any negative data to any credit reporting agency if the account holder is not delinquent. When I contacted Discover over the phone they insisted it was to confirm my identity not to have access to my and my husbands financial data. They have a right to verify mine but do not have a legal ight to verify any persons that did not request credit from Discover. In addition they are utilizing a 3rd party, XXXX XXXX to submit the 4506-T form to the IRS. XXXX has had several Data breaches in the last three years that have affected me personally. A third party that can not provide an assurance of privacy is not a way to verify my information or millions of other Discover card holders. Something needs to be done to stop this illegal practice. I have not received a response to my written or verbal request.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

Although there is no balance, Credence clients report past due amounts for collection. 
On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2020 I attempted to unfreeze my credit report with Experian in order to apply for a mortgage refinance. Because I was part of the XXXX  breach, I keep my credit report frozen. I was able to easily call XXXX  and XXXX  to lift the freezes there, but had no luck with Experian. I attempted to remove it online by entering my social security number and Experian pin. It said it was " unable to process at this time. '' I then tried to call. I entered my social security number and pin and the automated teller said that they were " unable to process at this time, '' and instructed me to send a letter requesting the freeze and include proof of social security number, driver 's license, and proof of address, such as a utility bill. I tried joining Experian as a member, but it still did not work. I called three separate corporate numbers, included a different number listed for members, and no number included the option to talk to a person. Every call resulted in the instructions to mail in my request, allow 3 days for processing, and lead time for the letter 's transit. 

My mortgage refinance rate expires ; but I have to paper mail a request for my own credit and do not have the option to talk to a representative.
Consumer complaint received 2018-04-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

I had a collection debt with SpeedyCash that was being reported on my credit report by a collection agency named XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, XXXX XXXX is still reporting that I owe {$480.00} to Speedy Cash, even though I settled this debt two months ago.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

Date-XX/X/2017 Amount- {$150.00} Company- Convergent XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-XXXX Client #  XXXX Convergent Account # XXXX Amount Owed {$150.00} Sent this notice that the records of XXXX XXXX show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted XXXX and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe XXXX any money and they have no record of this debt.
Consumer complaint received 2023-08-10
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. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-18
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: Medical Business Bureau (IL)

On XX/XX/XXXX, MEDICAL BUSINESS BUREA ( Date opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports.MEDICAL BUSINESS BUREA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 

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
Consumer complaint received 2019-04-08
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: United PanAm Financial Corp. (PA)

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX UNITED AUTO CREDIT CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC (GA)

First, I received a robocall from XXXX - the name was XXXX from ARS asking to speak with XXXX XXXX. I blocked the call and then the company proceeded to send a text message from the number XXXX that states '' This text is from ARS. XXXX XXXX XXXX we need to speak with you pertaining to a legally required notice sent to your address. Please call XXXX to discuss your case and refer to File # XXXX while calling back. Thank you. '' I responded for them to never contact my number again. This was at XXXX on XX/XX/2021. Then at XXXX, I receive the same text message from the same phone number. After asking them to never contact me again, they defied my request and continued to contact. 

Now they are starting to call my office phone. They called from XXXX on XX/XX/2021 and left a voicemail stating that I or my lawyer needed to contact them at XXXX.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX investments ( XXXX : XXXX ) * reporting on XXXX report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX XXXX ( XXXX ) *reporting on XXXX report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX ( XXXX XXXX XXXXDate open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/XXXX, 60 days late in XXXX and XX/XX/XXXX and 90 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MT)

on XX/XX/XXXX. i was reviewing my credit rating ( XXXX ) on XXXX XXXX.i saw the add for loans at reasonable rates. i can not remember if i applied on line or by phone. i received a loan packet 3 days later, with loan documents that were routine, asking personal info, and loan amount requested. i faxed the app to a office in indiana. they returned questions to me over about 7 days, and after i faxed the completed questions to indiana i was told by a phone call i was approved, but had to speak to a loan officer. i spoke to the loan officer, and he told me i was approved for {$3800.00} and not {$5500.00}. he also told me i would pay payments of {$170.00} per month, and the months were not discussed, and the interest would be 25 %, is what i heard, but over the phone, was not the rate! it was 35 %, of which i would find out later and would have refused! also the loan officer asked if i would do auto payments, to which i said ok. the money was deposited in my account on XX/XX/XXXX.since that date i have requested the loan papers, and later found out the interest rate at 35 %, and since then i have call one main, and spoke to many people for help. i have been told that they will not change the rate, but was told to pay off the loan to fix the issue, among many other suggestions. i did receive the loan papers after many calls to them on XX/XX/XXXX,1 1/2 months after the loan was given. i have a problem with the disclosure of the loan! they were not upfront with the info of the loan, and didnt want me to have it! because i was persistent, i finally receive the documents! i have no issue with paying back the money, but the interest is almost as much as the loan! this to me is predatory, and not fair. thank you XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

I was involved in a XXXX scam in where a criminal posted a AD for concert tickets on XX/XX/XXXX going by the name of XXXX XXXX. The criminals phone number in the AD was : XXXX. To exercise caution I called the phone number on the AD and requested that the seller meet me in person to exchange the tickets for the funds. The seller said that there was no way they could meet due to not having an available vehicle and mentioned they could send e-tickets instantly to me if i could send payment ( {$200.00} ) through XXXX to pay for all three concert tickets that I wanted to purchase for a concert on XX/XX/XXXX. I was speaking with them on the phone about the transaction and they said if I could send 1/2 the payment for safety first they would send two of the tickets and i could send the rest of the payment and they would send the remaining ticket. I sent the money ( {$100.00} ) through XXXX ( via Wells Fargo bank ) live with them on the phone and when they received it they said they were going to send the tickets and then hung up on me. To give them the benefit of the doubt I thought the phone disconnected but when I called back over times times they never picked up. This is the book definition of digital theft/wire fraud and they perpetrator and in any nationwide justice system the criminal would do jail time if persecuted. I received a message from the scammer a day filled with curse words and they said they did not know what I was referring to. This is a case of complete wire fraud, criminal theft and unethical behavior in the utmost manner. 

I opened a fraud case with the Wells Fargo XXXX Banking department on XX/XX/XXXX and I just found out today ( after contacting wells fargo ) on XXXX that they absolutely refuse to pursue the matter and contact the bank in where the criminal received the money or give me absolutely anything back. 

Specifically, I spoke with a manager in the Wells Fargo XXXX Banking department about the matter and they were extremely rude and short with me and very rudely said that they can not do anything about this matter and I am on my own and that I should have been more smart not to send this money.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

My mortgage company Ditech has denied me access to government homeowner assistance programs that could help me save my home and have scheduled a foreclosure sale date for XXXX XXXX, XXXX. I started a new job as a XXXX  XXXX with the state of New Jersey a year ago and have been trying to get Ditech to consider me for homeowner assistance options due to a prior delinquency. I was told by their agent over the phone that I qualified. Then I sent in my paperwork and it is repeatedly lost or misplaced and I am transferred from department to department and the assigned account manager keeps getting changed. It has been close to a year and Ditech has failed to actually conduct a review of my current and correct financial information. Instead they have scheduled a foreclosure sale date even though they did not offer me mediation as required by the state of New Jersey. It is obvious that Ditech believes the rules do not apply to them. 

I proudly served in the XXXX XXXX for 21 years and have owned my home in XXXX for 20 years. Once out of the military I worked as a XXXX XXXX XXXX for several years. My hours were cut and I was struggling financially and applied for and was approved for a loan modification. I began making the trial payments on the modification and then got laid off. I scrambled to make my payments but ended up defaulting on the modification. I then went through a rough period where I could not find full time workI collected XXXX and worked part time for XXXX XXXX and I fell further behind on my mortgage. About one year ago I was hired by the state of New Jersey as a XXXX XXXX. I began reaching out to Ditech right after I started, because I was back in a position where I could afford a fair and reasonable mortgage payment. I contacted their office to try and get a review opened of my financial information so that I can fix the delinquent payments, but have been met by obstacles and roadblocks. I was initially told that based on my financial information that I qualified for a modification but then I would send in the paperwork and Ditech would go dark. As mentioned I have been given the runaround by their agents, who transfer me from department to department, lose my paperwork and they constantly reassign account managers. I have never been able to get reviewed. 

I occupy my home with my wife and son and grandson. I fell on hard times due to job loss but have gotten everything back on track and just need Ditech to work with me so that I can save my home. I dont know what I would do if I lost my home. I am not able to reinstate the loan, I need Ditech to stop this sale date and work with me towards a solution.
Consumer complaint received 2023-09-20
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (VT)

US Bank did not iniciate an Escrow Analysis since I requested several times to do so since XX/XX/XXXX. US Bank is unlawfully charging my escrow account for random charges including Appraisal when I'm not in forclosure or default and will not refund or cancel the appraisal, They have been charging unlawful charges to escrow in different amounts from what I can see on my account since XXXX, and will not let me see any bills from before XXXX to assess those. I have asked for a refund due to state law in vermont, : Only charges to escrow is insurance and taxes. US Bank has been charging excess fees, attorney fees, exterior inspections, dib fee?, and so on for the passed 2 years. They claim on such statement this is lawful and it is not.
Consumer complaint received 2019-04-08
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. (FL)

In XXXX I filed for Chapter XXXX Bankruptcy ; I was XXXX in XX/XX/XXXX. I had an Equity Line of Credit with XXXX XXXX XXXX XXXX which was included in the bankruptcy. It is almost 9 years since the filing and this line of credit still shows on my TransUnion credit report. XXXX and XXXX have already removed it from my credit report, as the 7 year window has already passed. I contacted TransUnion in early XX/XX/XXXX ; however they did not remove it and instead they updated the Pay Status field to say >Account Included in Bankrupcy<. I would like TransUnion to remove this account from my credit report since the 7 year window has already passed.
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX