davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I signed up for XXXX XXXX recently, and discovered a derogatory mark only on my XXXX   credit score. It did not appear on XXXX. Credence Resource Management, a company claiming to be a debt collector has an account open for me, claiming I owe {$370.00}, with the original creditor being XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX, and I do not have any affiliation with XXXX XXXX XXXX. My phone service is with XXXX. I called Credence Resource Management and they demanded my personal information ( social security # ) before they would tell me anything about my account. I mistakenly gave it to them and they only told me it was from XXXX XXXX XXXX originally. I told them I am not paying until I see proof from XXXX XXXX XXXX  of this debt. I gave them my mailing address, phone number, and they only sent a bill from Credence Resource Management, and a followup bill claiming a {$170.00} discount on the bill, basically bribing me, using pushy threats again, with no verification from XXXX XXXX XXXX. I researched Credence Resource Management and out of 80 reviews on XXXX, it had nearly 100 % 1 star ratings with nearly every comment saying the company is a total scam, even seeing a comment saying XXXX XXXX XXXX does not work with Credence Resource Management and XXXX XXXX XXXX themselves urge anyone who hears from them to report fraud and not to pay them a dime. I went to a local XXXX XXXX XXXX store and they found no evidence of a debt from me. This derogatory mark is significantly affecting my credit score and I need this problem resolved immediately. I went to my local bank and the branch manager agreed thoroughly this appeared to be fraud based on the lack of credibility Credence Resource Management has as a whole. I disputed this claim through XXXX XXXX already but havent heard anything back yet, and I am attacking this on all fronts especially because of everyone elses experience with this company being identical. I have no doubt this is fraud. Now they are calling every day multiple times a day demanding payment. I have told 3 or 4 of the telephone representatives about my knowledge of their 100 % fraudulence and they just continued to demand my personal info. I received my letters from Credence Resource Management on XX/XX/19. No original dates for debt.
Consumer complaint received 2018-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: M. Richard Epps, P.C. (VA)

In the process of refinancing my home and title company receives a demand for payment from M. Richard Epps , P.C . in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court XXXX system and its for a case where the " lien '' garnishment was released after Chapter XXXX was filed. They misrepresented information sent to XXXX XXXX!
Consumer complaint received 2022-08-28
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. (TX)

There is a original collector and third partys on my credit report trying to collect the same debt. Illegal to give personal and private information to any one. Its also illegal to sale debt. Third party and original collector dont have any original documents with my signature to verify this so called debt. This should not be excepted its taken so much for being illegal and fraud.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Purchased 2/ {$50.00} " Vanilla Visa gift cards '' from XXXX XXXX XXXX XXXX. Tried to use one card for purchase only to learn there is no credit available. Contacted Vanilla Gift cards " InComm Dispute Department XXXX '' ... Was recently advised it will take minimum 90 days for resolution, a total scam..
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. 

The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.
Consumer complaint received 2023-08-24
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: CCS Financial Services, Inc. (PA)

I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give Credit Collection Services any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.
Consumer complaint received 2018-09-10
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. (SC)

I have disputed this item with Experian with no correction and I called and mailed the company, XXXX XXXX XXXX Card Services to correct incorrect information on my credit report with no correction. I opened an account in XXXX. It became past due and so I settled and closed it in XX/XX/XXXX. This account feel off my report years ago and I settled now alost 18 years ago and now all the sudden its showing up that I just settled it in XX/XX/XXXX?!!! And when I tell everyone its wrong correct they are not taking it off. XXXX and XXXX show it correctly???!!! They wont take it off
Consumer complaint received 2019-01-21
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. (AZ)

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX  ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, Equifax, XXXX ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXXXXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Consumer complaint received 2019-01-21
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. (AZ)

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : Transunion, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the XXXX  in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Experian is reporting a collection with XXXX XXXX in the amount of {$420.00} and I never had any type of XXXX  bill for almost 500 dollars. This has got to be a huge mistake and it needs to be deleted.
Consumer complaint received 2019-01-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX XXXX. XXXX XXXX XXXX thx XXXX XXXX Loan XXXX Continue harass my family with threats of foreclosure.

Every year they harass me about flood insurance and policys This year they harass me about annual occupancy certificates.

Even though Ive never received any communication from them they threaten to foreclose on my property for failing to fill out a form that Ive never received.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (CA)

Account name and account # XXXX Has violating my rights The review of 15 U.S.C 1681 section 602 A. Stated. I have the right to privacy.

Also section 15 U.S.C 1681 section 604 A. Section also states A consumer reporting agency can not furnish a accord without the written instructions.

Also 15 U.S.C 1681 section 15, stated The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

By the provision of the Fair credit reporting act. I demand that these items be investigated And removed from my repot immediately With that being said the above company is in violation of my rights in therefore should be deleted from my credit report immediately.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE ASK FOR PROF FROM XXXX THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Consumer complaint received 2019-01-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Robert A. Schuerger Co., LPA (FL)

After receiving several threatening letters from the Law Offices of Robert A. Schuerger, LPA, in addition to threats of lawsuit from one of their incompetent representatives after I demanded the proof of debt, I demanded to speak with a Supervisor. The Supervisor I spoke with was polite yet stated the debt was from a private loan from XXXX State University and promised to request the proof of debt from the University. 

Upon receipt of the " proof '' dated XX/XX/XXXX, it was clear the debt was not private, it was another government loan that had already been consolidated. 

The Law Offices of Robert A. Schuerger, LPA claim they are working on behalf of the Ohio Attorney General 's Office. Their practice should be penalized accordingly for false representation and for threats of lawsuits when asked for proof of debt as required by law.
Consumer complaint received 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I am applying for Public Service Loan Forgiveness and my lender is XXXX XXXX. Up until my XX/XX/XXXX billing statement, the PSLF payments made on my account were between 11 and 22 payments for each loan. As of my XX/XX/XXXX billing statement, my PSLF payments were reduced to between 4 and 6 payments. I contacted XXXX XXXX in XX/XX/XXXX and the agent wasnt sure what had happened. The XXXX rep assured me that a review of my account would be done. Its now the end of XX/XX/XXXX and I havent heard back from XXXX XXXX and my PSLF nimberbif payments hasnt been corrected.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I did a cash advance of {$700.00} on my credit card. I did not use my card after the cash advance. The credit limit for this card is {$1000.00}, which left me a available credit of {$260.00} when I checked on Friday XX/XX/2019. On Saturday XX/XX/2019 around XXXX XXXX I went XXXX XXXX Station in XXXX , IN and was denied a purchase of gas and windshield fluids. I called Capital One and was informed by the staff person, I had no available credit due to the cash advance and it will take five days before the removal come off. I informed the staff person I was unaware of this policy and requesting to have the hold lift. I informed her I was in a XXXX winter storm right now and needed gas, staff person stated there was nothing she could do. She stated I apply for a increase in credit and I would get approved right then and there and I would have available credit. I explained I did not want to run my credit due to me trying to purchase a house but I did it because I was cold and did not want to run out of gas. After filling out the application the system told me I had to wait 10 days for a determination. This is not what the staff person told me. This is not right I have never been late with any of my payments, I had credit that I was not able to use in this emergency situation. Please file my complaint.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXXXXXX XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-28
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. (GA)

Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/202XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Hello, I wrote XXXX this letter and they stated to me that there was nothing that they could have done to help me. 

( Dear XXXX, I am writing to explain the late payment that was reported on my credit report in XXXXXXXX XXXX XXXX At the time, I experienced an unexpected financial hardship due to a family emergency, which required me to take time off from work and incur additional expenses. 

Unfortunately, this situation made it impossible for me to make my payment on time. I was unable to secure additional funds through credit or loans, and my limited financial resources were focused on covering basic necessities and medical bills. 

However, I have since regained my financial stability and have made consistent payments, keeping my balance up to date. I have taken steps to improve my financial situation, including seeking additional sources of income and creating a budget plan to manage my expenses effectively. 

I understand the importance of maintaining a good credit score and take my financial responsibilities seriously. I hope that you can take this into consideration and remove the late payment from my credit report. 

Thank you for your time and attention in this matter. If you require any further information, please do not hesitate to contact me at XXXX  I appreciate your assistance in the removal of this 30 day late payment by XXXX in XXXX XXXX XXXX 

Sincerely, XXXX XXXX ) They did not respond to me at all. I had to call the company for them to tell me that they will not remove the 30 day late report to the creditors. Please help me to remove the 30 day late mark on my credit report. 

Thank you
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

Repeated statements for Checking Account opened at Bank of the West, XXXX XXXX with fraudulent ( non-existent ) person. Correct address and last name as current residents, however made up first name. 

Account was likely opened without any proof of valid identification.