davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Resurgent capital services is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. It is actually reporting three different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right! 
The day last active would affect the account would naturally fall off.

Three different years is ridiculous!

I have sent certified letters to Resurgent asking them to remove this account from my credit report.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Company : XXXX XXXX XXXX XXXX . 
Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 XXXX XXXX XXXX trying to collect on a debt I Do Not owe. XXXX XXXX, XXXX had sent an account to a debt buyer XXXX XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. XXXX XXXX, XXXX and/ or XXXX XXXX XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by  phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Consumer complaint received 2021-11-05
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. (PA)

My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated.
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Care, LLC (CA)

Student loan care promised to reduce my monthly payments and it has been over a year now. They charged me {$1400.00} for the service and nothing was delivered. I asked for a refund and they said only a portion of about {$1100.00} will be refunded. I said that is fine at this point I want nothing to do with them. It's been over a few months and nothing has came in the mail in a form of a check like they promised. I emailed countless times and was told it will be present. Still til today nothing has came in. Please help close these scammers down.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

Recently purchased a mattress and were told they had a 3 year 0 % interest payment plan due to the price of the mattress if using the store credit card. Along with the store personnel we calculated what the monthly cost would be over that time period and were told it should be around $ XXXX/month. Never were we told that the payment is based on a percentage of the balance. Received first months statement and the payment was {$130.00}. We attempted to revise this with XXXX XXXX which is the credit card provider for XXXX and they replied back that they were not willing to change the payment amount and that it is 5 % of the balance and each month the payment will be a little less due to the outstanding balance going down. If you calculate this out over the 3 years there would still be an outstanding balance left at the end which would mean that anyone who thought they would pay it off by the end would either have a much larger payment to attempt to make at the end to not incur the fees or if they were unable to do so all interest that was accrued would be charged to the account. We spoke to XXXX customer service and they said since XXXX took over their credit card processing they have had numerous complaints about this company by customers for a variety of reasons. We now are stuck attempting to make a payment that was double what we were expecting and if we were to return the merchandise they removed our old mattress and we would be left with nothing. XXXX  is very deceitful in their practices and whatever promotions that are being presented to customers should make sure that the people that offer these promotions understand how the terms of the card work and should not promote lower payments and put customers in this position. XXXX should learn how to properly deal with customers or should not be in business. I have a few credit cards that use the 0 % interest financing for large purchases and have never had any of them try and gouge me for double the monthly payments up front. XXXX XXXX  has been wonderful and should replace XXXX as the card provider to XXXX.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX/XXXX  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 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MA)

I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct banking transactions and is harming my consumer report. Selling my Personal Information without my written which is a violation of my privacy. Debt does not belong to the Consumer XXXX XXXX XXXX.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (SC)

I am filing this complaint because Diversified Consultants,  Account Number XXXX, is reporting on my credit report. I pulled a credit report on XX/XX/18 and noticed the collection account and immediately requested validation of the debt with the Credit Bureaus and Diversified Consultants on XX/XX/18, via certified mail. On XX/XX/18, Diversified Consultants responded with a copy of the bill from the original creditor. XXXX XX/XX/18, XXXX responded to the dispute stating that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. 

I have no knowledge of an account with Diversified Collections ( XXXXXXXX ) and was never notified have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultants. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters, instead of sending this requested information, they sent a bill, which is unacceptable proof of validation. This negative reporting needs to be deleted off all XXXX, XXXX and XXXX  reporting agencies unless Diversified Consultants can provide me with physical proof validating this account I look forward to a speedy resolution of this matter.
Consumer complaint received 2019-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

I am XXXX XXXX XXXX and XXXX XXXX veteran due to service connection. I can not get relief from AES for my private student loans, not only that but I had to lose credit for the entire semester of school because I enlisted in XXXX XXXX for the XXXX and did not get a refund from the school in the spring of XXXX due to my ship out date being before the end of school. They call me countless times and the stress from those calls is extremely burdensome and makes my XXXX worse every day. My federal loans through them were relieved ( XXXX ) years after my XXXX and XXXX XXXX became effective ( XXXX ) because I was not notified that I was eligible to do that. The calls every day, multiple times, and calling my parents who I do not live with that were co-signers over a decade ago all affect my mental health negatively. Its repeated multiple times a day and then they call the co-signers causing them to call and harass me because they threaten them with credit reporting. 

AMERICAN EDUCATION SERVICES does not care that I was XXXX due to my military service, they just want to harass me to pay them daily. Its bad enough that I lost freedom and the ability to live active due to my service but this company calls daily and threatens and harassed me affecting my XXXX. They dont care about US service members.
Consumer complaint received 2018-04-09
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. (IL)

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (NC)

I have submitted several complaints against this collection agency XXXX XXXX XXXX XXXX. I have proof they was taken off my credit report last year for the same balances and amounts they keep adding as new to my credit report this year. This is illegal and I will be contacting the State attorney general about their collection tactics. They could not provide true validation for this debt with should have been sent to Medicaid to pay, because I receive medicaid and I am disable. They was just removed again this year from one of my credit reports, but keep adding the same collections as new to different credit reports. I think this company thinks because there was a breach they can use illegal tactics to try to collect on a debt that should have been sent to Medicaid a very long time ago. I have my previous credit reports of this not being on there because this debt was removed. I have my many complaints about this company disputing this debt, which is stressing me out when I am already XXXX due to mental illness. This is harassment at this point. This will be my last complaint asking this company to remove this debt from my credit reports and to leave me alone.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is an attempt to correct my XXXX, Experian, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2019-08-27
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. (CA)

I applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (TN)

I used my XXXX debit card to purchase from the merchant, XXXX XXXX for {$150.00}. 
After a few days, I returned the merchandise to the merchant via XXXX or XXXX XXXX. The merchandise was received and credited to the original form of purchase, the XXXX debit card ; however, the card was closed due to what I perceived as fraud from another merchant. 

I have been issued a new card from XXXX that connects to my original checking account with Regions Bank. After multiple attempts, Regions has refused to transfer the credited funds to my existing account.
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (FL)

I applied for a loan with the company called Upgrade. Initially they requested my XXXX which I was told that was all they required, I sent in. Then they requested my banking information along with my identification ( driver license ), I forwarded. Then over a week later I was asked for a picture id along with me holding the id and to take a picture with it next to my face. Before I can sent it, I had a call and message on my phone number that I had listed on my credit reports due to fraud. I did not have the same number on my application solely because I wanted to reassure that whatever organization in which I apply for credit would go according to protocol and contact me at the number listed on my credit file to verify my identity. Well, the gentleman XXXX called and left me a message to call back on my number XXXX and I did and again, I called him from the phone number listed on my credit report. Well, a few hours later, I received the letter via email saying I was denied as a result they could not prove my idenity, Well, I do not know what they based that off of. I sent all the documents they requested immediately, they contacted me on the number on my credit file and they just requested id with me holding the id next to my face and to take a pic and send it to them, which I did not have that opportunity which would have easily substantiated who I am and they still should accept that as proof. I did not submit as I just received the request but after receiving that request, they contacted me by phone, again, Upgrade contacted me on the number listed on my credit file for fraud, I requested to speak to someone other than the agent XXXX and spoke to someone by the name of XXXX who I thought would comprehend what I was saying but she did not. You have all my personal information which supports who I am and you did not give me the opportunity to submit a picture of me holding my id next to my face which was also proof of who I am. If you were not going to use my face pic holding my id, why would you even send that as an option. You just called me today ; however, I submitted my application about two weeks ago, so you could have did a phone verification initially credit pull and if you were not satisfied that it was me, it was no need to request all of my personal information you have and also request another picture id with me holding the picture next to my face. I can not believe a company would be so unfair. I went through all of this over two weeks, which the company indicates fast funding which is false, for this company to do this, this is extremely upsetting.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

I took the Covid-19 forbearance in XXXX of 2021 and Caliber home loans ( loan provider ) did not explain the most important part of the forbearance which was that at the end of forbearance they would add the total amount due on top of my loan amount which was a huge thing in decision making for the forbearance. They clearly did not mention anything like that but they said it was included in the agreement which does not state that at all. I took forbearance because of financial hardship as my wife had lost her job due to Covid-19. My initial loan amount was {$160000.00} and now they're saying that I have to pay additional {$11000.00} on top of my loan amount as I had taken the forbearance. They also did not explain that the interest would accrue during forbearance and that the principal would also be added to my original loan amount which is clearly a scam. I talked to them in XXXX and had stated to continue my payment as I was scared for foreclosure but they only took out one payment and stopped taking more payments even though I was enrolled in auto pay. I believe they did this so that my monthly payment of {$960.00} would keep adding up on my loan. In XXXX they stated that they'll put me into a deferment plan and I would receive correspondence in a week but nothing was received from their side at all. They keep adding my monthly payment on top of my loan amount and now my loan amount they're showing is {$170000.00} which is purely not what they had stated when they started the forbearance. I kept calling them and they would say my deferment plan is being reviewed but no decision has been taken in all these months. Please help me as I'm the sole earner for my family and I'm not able to make and afford these additional {$11000.00} payments that they have added on top of my loan and are demanding a payment in full so that I can be current on my payments. Thank you.
Consumer complaint received 2019-10-07
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. (NY)

I have contacted Equifax on numerous occasions to have the following inquiries removed from my credit report as they were not made by me : 1. XXXX  XXXX XXXX   Inquiry Date : XX/XX/2019 2. XXXX XXXX Inquiry Date : XX/XX/2019 3. XXXX XXXX Inquiry Date : XX/XX/2019 4. XXXX XXXX Inquiry Date : XX/XX/2019 Please assist me in having these removed. Thanks
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.