davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ). 
Every day im terrified ill starve to XXXX  because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do. 
Im a former consumer reporter myself so i know how to facilitate this. 
Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

an account was opened in my name that is not mine and was done as a result of identity theft with XXXX XXXX. I have been contacting them and submitting documents related to that but they refuse to acknowledge any of it .... the account is with XXXX XXXX XXXX this account is not mine and yet they continue to report it to the credit bureaus like it is
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : DISCOVERBANK XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

My XXXX XXXX  was purchased while I'm XXXX  XXXX and Westlake included the car in the XXXX  XXXX was discharged on XX/XX/XXXX was told by Westlake can no. Longer report car payments as debt was discharged .. when I called was told someone changed the status to dismissed now Westlake has added charge to my credit and dropped score XXXX points. Agent said person who did it no. Longer works there.. I need this to correctly reflect discharged I'm bankruptcy and charge of removed as I'm not responsible for the debt
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/22, 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, and XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Purchased a XXXX  refrigerator from Homedpot in the amount of {$1500.00} Delivery scheduled for estimated XX/XX/XXXX. 
I phone to move up date because I already had a broken refrigerator and lost food. 
New date XXXX no show no call no email no tex rescheduled date XX/XX/XXXX Homepot delivery person called 1/2 hour prior to delivery notifying in route. 
upon unloading a brand new refrigerator from the delivery truck down to the ground he states that it is damaged and I can refuse it. 
My concerned is that I was eating pantry food without a refrigerator for a month. 
XXXX failed to provide the vendor Homepot a on time delivery and a new boxed refrigerator undamaged. 
I also agreed to have the water ice machine connected and in working order. Which was not connected and or is not in working condition.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (SC)

I received a call late in the evening from a representative in broken XXXX  stating that it was an attempt to collect a debt. They had information such as address and partial date of birth and pressed hard for me to confirm additional information that I did not provide. 

They said that the debtor was XXXX and that it was sent to Southwest Credit Systems, and they asked for {$100.00}. I shared that I was in good standing with XXXX XXXX and do not owe the money. It's at that point the caller was very abusive and demanding for information. At this point this seemed very sketchy and said that I would follow up with XXXX XXXX to see and hung up. 

I called all departments with XXXX XXXX and as was my thought I was in good standing and nothing owed. XXXX XXXX also shared that they never send anything related to memberships to a XXXX XXXX XXXX, if someone doesn't renew a membership they just cancel. Chief Legal council with one of the organizations is in process of following up. 

That confirmed that Southwest Credit System is running fraudulent scams. In addition, in filing a complaint with the XXXX, there was another complaint exactly the same as mine. Identical to what happened to me.

SWC Reported this to the Credit Agencies. One credit reporting agency promptly removed as they could see this is fraud, the other 2 have not as of yet. 
I reported to the Attorney General, The XXXX, and currently in process of reporting to law enforcement and the FBI. The damage SWC is causing to the public is outrageous and I want this removed from my credit and to whatever extent I can protect myself from this evil.
Consumer complaint received 2022-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (GA)

I applied online for a home equity loan through Discover Home Loans and was approved for {$50000.00}. I submitted everything required at the time such as XXXXXXXX XXXX XXXX  everything pertaining to my home such as insurance, etc and received an email asking me to call them which I did. I went through everything with a personal banker and was told everything looked great including my XXXX ratio and I intended to pay off all my debr and I wouldn't mind it being down at the closing. Finally I was told I needed to have about {$1500.00} in reserves in order to close since my credit score was XXXX and although they accept scores as low as XXXX this was policy. A gift was allowable and less than a week submitted my final docs through their online portal. I called them after sending to see how long the process would take and was told it would be reviewed by an underwriter within a week. I also uploaded an explanation letter explaining why my one credit card had such a high balance and more information about me and my spouse who is also XXXX and of the XXXX XXXX. It was then that I noticed a much different tone to XXXX XXXX of when I got the denial was a day later and only because I logged into my account. The most recent " personal banker '' literally argued with me over the denial stating it was because my XXXX ratio was too high. I asked if they " grossed up '' XXXX income and she told me they did but my XXXX ratio was over 50 %. That is INCORRECT and. with just my income and my housing expenses etc my DTI is 39 %. Discover states on their site that it must be less than 43 %. Using household income it is 26 %. No one informed me of any issues and every document was checked offf on. I truly believe that Discover Home Loans discrimuated against me and my spouse after I admitted we were same XXXXXXXX XXXX XXXX XXXX. Modifying our home was what I planned on doing and believed that the remaining steps were formality. No one will talk to me or offer options and will not reconsider the fact that their calculations are incorrect. XXXX XXXX XXXX XXXX XXXX for many years before becoming XXXX. I was misled and wasted several weeks and an iquiry on my credit report only to be dropped for no other explanation then Discover didn't want us as borrowers
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

In XX/XX/2016 I had already disputed this company ( Phoenix Financial ) regarding the fact the debt wasnt mine. They had 30 days to show  proof and failed to do so resulting in this collection legally being removed. Here recently I got a credit report and Phoenix Financial ILLEGALLY reported this account AGAIN. This FALSE collection was already  deleted and I want them to abide by the law and disappear for good.
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC (NC)

The company just recently tried to contact me once by phone about 2 weeks ago about making monthly payments have not received anything in the mail.Until it's paid off the guy was understood my situation have have work since XX/XX/2019 lost everything I owned during the hurricane last year can't even XXXX my XXXX XXXX XXXX  and gettng around in a XXXX. Can't afford to go to doctors to get the XXXX  need for my XXXX with no income. It shows on my credit report as it been charged off so trying to understand now why would I be sued instead of trying to be giving a chane. The amount is XXXX XXXX that is owed and willing to try and pay something monthly.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (WI)

I filed this dispute through XXXX XXXX. The XXXX  file number is XXXX. The amount was slightly reduced, but that is not good enough because I do not owe this debt at all. 

I closed an account with XXXX last year. Before doing so, I got very clear information from them what my options were in returning a leased phone to them. My new phone company would reward me more money for the used phone than XXXX would for the return. I once again confirmed the amount I needed to pay, and paid that amount. The next month they sent an additional bill claiming I owed more money for the phone. I would have returned the phone, however as stated above I sold it to my new phone provider. 

I paid the amount XXXX told me to pay, and closed the account. They are asking me to pay additional money that I should not owe. I am waiting to receive complete billing and payment history from XXXX. 

Furthermore, XXXX attempted once to collect the amount but I refused. After that I heard nothing about it at all. To date, the collection agency has not once called or written me, and all of my contact information has not changed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Signed up with Transunion to get a credit check. 

Upon signing they appear as if it is a free one-ff service. 

In their small print ( thousands of words ) they are in fact signing you up for a monthly service of {$19.00} a month to keep sending you reports. 

Their emails to me do not contain any invoices or amounts charged. 

On my account login portal area with Transunion there is still no mention of the monthly amounts. There is just a list containing random codes which is a record of the monthly payments ( see attached ). 

The only thing showing me the monthly payment amount of {$19.00} is my credit card statement with the monthly reference of : TU TRANSUNION.CA XXXX CA {$19.00}. I have copied of all statements to prove this deduction. 

It took me over a year and a half to realize as I have been out of the country for the last year or so. As soon as i realized I wanted to cancel my account on Transunion 's website i searched for a place to cancel my account. There is nowhere on my account section to cancel account, I had to spend an hour researching other people 's comments on XXXX and they provided me with a step-by-step. Transunion deliberately made it difficult to cancel their service and concealed the information as a much as they could. 

When I spoke with Transunion on the phone I told them how appalling their service was and how can they defraud me like this without me realizing. I said although I saw their emails, nothing ever contained an amount owed or paid so i assumed it was a free monthly update the same way i assumed this was free in the first place. The lady informed me that the charges are mentioned in their small print. How can they get away with this and who reads small print nowadays? A paid service should be highlighted big and bold and you should received monthly invoices stating the amounts. 

The lady on the phone said that all they can do is refund my last month 's payment of {$19.00}, I said I will take that for now but I will also be seeking further action to have all of my money ever paid refunded to me ( hence why I am contacting cfpb right now ). Just because I accepted the small refund did not mean that this issue is resolved, or that I am happy with the outcome. 

Transunion 's website and service is designed to totally mislead a vast majority of the general public and trick them into paying a monthly service without any transparency whatsoever. They are totally a fraudulent company who are making money from people like me 's misery. I feel totally cheated and robbed of my money. 

From between XX/XX/XXXX and XX/XX/XXXX Transunion took a total of 21 payments for the amount of {$19.00}. The total amount taken from me was {$410.00}. 

I want every single payment ever made to Transunion refunded to my card immediately. 

Thanks!
Consumer complaint received 2022-12-14
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. (RI)

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 XXXX XXXX XXXX2 all these inquires are from auto dealers i did not authorized please help thanks
Consumer complaint received 2022-12-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (GA)

I am trying to close on a Reverse Mortgage that my mother had prior to her death. 

The Reverse Mortgage is being serviced by XXXX XXXX XXXX. I opted to pay the mortgage off through the HEIR '' S APYOFF option. 
HUD approved the appraisal that I submitted and sent a payoff statement for the month of XXXX. Informed XXXX that I would be able to close on XX/XX/XXXX. 
It appears that another department has taken over the payoff process ( COMPU-LINK ). 
Now I'm being told that I no longer qualify for the HEIR '' S PAYOFF option.

The original contract states that I have 6-12 months to close the deal..I informed XXXX that I would be closing on XX/XX/XXXX. I am now ready to close on XX/XX/XXXX. 
XXXX is refusing to allow me to do so. They are trying to make me close the deal outside of the HEIR '' S PAYOFF option.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

- PHH Mortgage services my home morgage and collects tax payments held in exscrow as part of my monthly payment to them. 
- I contacted PHH Mortgage on XX/XX/XXXX by phone regarding a revised property tax bill I was issued by my County tax. Commissioners office. PHH advised me to send a copy of the bill and supporting documentation to them via email at XXXX which I did. later that day, I received an email from PHH acknowledging the tax bill information was received and would be processed. 
- On XX/XX/XXXX, I received a Notice of Intent to Issue FIFA from the tax commissioner 's office, advising the taxes had not been paid and a new balance was due which included penalties and interest. Payment to avoid the tax lien was required by XX/XX/XXXX, at which time the tax owed would be turned over to a third party for collection. 
- On XX/XX/XXXX, I contacted the Tax Commissioner 's Office to confirm the information and then contacted PHH Mortgage to inquire why payment had not been made. I initally spoek to " XXXX '' and later their " Escalation Manager '' " XXXX ''. They requested I send the previous email form XX/XX/XXXX and the Notice if Intent to XXXX which I promptly did. I also sent a copy of the materials to XXXX and XXXX. I again received an acknowledgment that my email with tax information had been received. 
" XXXX '' advised me that the payment would be made by XX/XX/XXXX and he would call me on XX/XX/XXXX with details as to why the payment had not been made. 
- On XX/XX/XXXX I noticed no payment had been made and called the County Tax Commissioner 's office to confirm, which they did. I then contacted PHH Mortgage and spoke to " XXXX '' with ID " XXXX ''. XXXX advised PHH was in touch with the County Tax Commissioner 's Office and a " sub Loan '' was on the parcel and they had ti investigate. I asked what a sub loan was and she advised she did not know. She further advised that their investigation would complete by XX/XX/XXXX ( 2 days after the new payment due date ) and payment would be made by XX/XX/XXXX. I explained that he tax lien would be applied after XX/XX/XXXX and she replied that they would " take care if it and not to worry. '' XXXX also insisted I would receive a call back from " XXXX '', whom I had spoken to last week today, and I have not received his call. I then contacted the Tax Commissioner 's Office back to inquire about the sub loan PHH referenced and was told there was no other loan on my property and they had no record of being contacted by PHH. To prevent a tax lien from being placed on my property and having no faith in PHH Mortgage to meet their fiduciary duty to pay the tax on time, I submitted payment for the tax due plus penalties and interest.
Consumer complaint received 2023-03-20
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (MI)

I have been going back and forth with Equifax and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. Equifax is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give Equifax consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my Equifax credit profile, I will be forced to hire an attorney and seek damages due to Equifax 's unchecked and UNLAWFUL actions against my life and my credit profile. 


FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX xxxxxxxxxxxx XXXX 2.  DEPT OF ED / XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX, XXXX, MI XXXX