davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (FL)

DCI began calling my cell phone, my husband 's cell phone, my house, my XXXX XXXX XXXX 's cell phone and my XXXX XXXX XXXX 's phone numerous times. We have asked for them to stop calling regarding an issue with XXXX XXXX XXXX as my husband spoke to XXXX XXXX XXXX  and the debt does not exist. The account is in my husband 's name however this company continues to call and discuss the issue with me although improper. I have instructed my children to not answer their phones if the number is not attached to a contact already in their phone. This company continues to call these numbers as recently as yesterday though I have told them this debt does not exist and to stop calling. They are calling my children 's phones during their school hours, my work hours and it is completely out of hand and is harassment at this point, especially calling our children 's phones multiple times a day. I have filed a dispute with this company as well. This company needs to stop this harassment ASAP.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Portfolio Recovery, LLC (IL)

Portfolio Recovery LLC is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XX/XX/XXXX and purchased buy PR in XX/XX/XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that Portfolio Recovery is doing inquiries on my credit report as follows : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment. 
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage payments are not being reported to any credit bureaus. When I called the lender, they say the payments were not being recorded because the home was never " reaffirmed ''. This is seriously impacting my credit score. I have been through three bankruptcies and have finally bounced back from the XX/XX/2008 financial crisis. However, my home is still severely underwater and not having my on-time mortgage payments recorded for three years is making rebuilding my credit more difficult. I have tried rebuilding with credit cards ; however, that is what got me in trouble in the first place! I just want my mortgage payments reported and I would like for them to be reported retroactively.
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federated Student Loan Services (FL)

I recently became unemployed and thought I was calling XXXX to enter a forbearance and ended up talking to XXXX XXXX at XXXX XXXX XXXX XXXX, and later to his " manager '' XXXX XXXX, who convinced me ( in my desperation to not have the {$270.00} to come out of my account ) to switch my loan over with them. They stated that XXXX was being accused of " fraud '' and they could me a student loan forgiveness in which I would only have to pay {$19.00} a month. However, first there was a fee of {$690.00} to switch it over, with a monthly fee of {$230.00} or biweekly of {$110.00} in 6 payments. They gave me a " discount '' of {$590.00}, " only '' paying {$99.00} biweekly. Later, I researched them and saw several bad reviews and went to my bank, XXXX, and was advised to get a new debit card so they couldn't take money out of my account, instead of " stopping payments '' because that would cost me {$25.00} a month. I reported them to the Federal Trade Commission and was advised the same and to block all their calls and have no further contact. I have yet to make any payments to them. 


The following contact information I have for them is : XXXX XXXX & 10 phone numbers I can provide should you need or want them.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX thru XXXX XXXX  pull a hard inquiry on my credit without my consent. They mislead you by asking you if you authorize SOFT inquiry in your file without affecting your credit but in fact is a HARD inquiry and it actually affect your credit. I called both XXXX XXXX and XXXX XXXX XXXX and they are refusing to remove the unauthorized HARD inquiry.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NY)

I previously had a car loan with XXXX XXXX back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Consumer complaint received 2018-08-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

In XX/XX/2018 I sent certified letter to Experian Credit Reporting Agency disputing a collections from a company XXXX XXXX. The collection was removed from my report. Now as of XX/XX/2018 Experian has allowed the same collections to be added to my report through a different company XXXXXXXX XXXX. I know this is the same collection because the amount of {$330.00}. Also Experian has allowed a collection from XXXX XXXX XXXX to add a collections to my account. I have no Idea who this company is and why I owe them {$430.00}. I would like this things removed from my credit report immediately. I am cleaning my credit on my own without any outside help and It would be so greatly appreciated if your company could look into these disputes. I am working to achieve the American dream of becoming a home owner for me and my grandchildren.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (TX)

I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (WI)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I sent an investigation request to XXXX, Experians, and XXXX XXXX. XXXX responded with my results in a timely manner, but Experians and XXXX XXXX has not. THey are supposed to respond inside of 30 days, but Experians and XXXX XXXX has not met this requirement.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (GA)

I have contacted GM Financial twice a week since XX/XX/XXXX pertaining to the return of an unpaid check from my credit union to purchase the vehicle. I unfortunately did not follow the stipulations of the loan, pre-approved checks can not be written to a lender. I need to purchase a vehicle and settle my account with GM Financial. I can not receive another check from my credit union until they have possession of the original check, a Legal Copy 21 of the check ( that can be retrieved from their bank, no photocopy ), or a statement from them confirming they will not try to resubmit the check. I have signed a letter of indemnity for the check on behalf of XXXX, but that is not sufficient to clear the matter. GM Financial is responding like my request is absurd. They are claiming to no longer have the check, the check was shredded, we never send return checks to customers, we are on a new system and the old system will have your request, no one has access to the old system, there is no phone number for the accounting dept., my request must be directed to their legal dept., legal dept. does not have a phone number ( fax only ). I was told to email and fax their resolution department. The resolution department emailed me requesting to call for further assistance. I called and was told the same thing again. I was told to fax their legal department. I am still waiting.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc. (NV)

I began receiving emails from Everest Receivable Services last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by Everest Receivable Services, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named XXXX at the agency. He told me they would get the information I requested to me soon. I never heard back from Everest. Last month, in XXXX, I received an email from XXXX XXXX XXXX claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, XXXX was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed XXXX that I requested validation from Everest and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to XXXX XXXX XXXX on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from Everest Receivable Services, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omnipoint Capital (GA)

I received a collection letter from Omnipoint about a bill I did not authorize. This is my first time hearing about a bill from XXXX. This company is harassing me for something I dont owe and I will file a sue against this company and XXXX for harassing me for a charge I dont owe
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

A tender of payment was sent to TD Bank In a form of a money order with written instructions. Each rep and supervisor that I spoke with would not express yes or no to accepting my tender of payment. They all accept the money order and did not follow the accept for value agreement on the money order. I need a written statement under oath explaining why you all are exempt from following the law. I have proof that I paid this bill with TD Bank, so my balance should be at {$0.00}. Please validate this debt as well because there is a billing error. The bill is already paid for. I can not pay on a positive balance. 15 USC 1666. Please see other attached documents. And explain why you all do not have to follow federal laws.
Consumer complaint received 2020-12-16
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. (FL)

THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (GA)

ONLINE INFORMATION SERVICES reported debt to my credit report without ever sending me any type of communication that I owed the debt. On XX/XX/2019, I disputed this account with the credit bureaus and asked for debt verification. Per FDCPA, the debt collector has five days to send me written verification of the debt. I had no communication from the debt collector until I received a letter in the mail, dated for XX/XX/2019. Yes, the debt collector violated federal law ( for which the debt collector will be strictly liable ) by failing to send a debt verification to me within the time frame allotted by federal law. Additionally, the verification letter did not include notice of my right to dispute the debt.
Consumer complaint received 2018-08-16
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. (VA)

Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from TransUnion so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : XXXX, TransUnion, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, TransUnion and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, TransUnion or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions has been harassing for a bill I dont owe. XXXX is aware that their were unauthorized charges on this account I didnt make. If I get one more letter from XXXX or Radius Global I will be filing a sue against both parties immediately.
Consumer complaint received 2018-08-16
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. (VA)

Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Consumer complaint received 2022-03-09
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. (GA)

This complaint to XXXX result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiries or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc. (LA)

This company has continued to ignore my requests for verification and validation of this erroneous debt claim. I've never had an account nor have i ever opened an account with the city of XXXX. They refuse to provide an address of the alleged utilities and continue to harm my credit profile. The statutes of limitations in my state of Louisiana has expired for collection of this false debt, but this company continues to try to collect with threats and other illegal tactics.