davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (NC)

I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.
Consumer complaint received 2022-03-31
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. (PA)

TransUnion needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2021-07-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: EQUITY RESOURCES, INCORPORATED (NC)

Below is my statement ; however, a short summary is that I was promised a Mortgage Credit Certificate, paid the application fee, have an email from XXXX XXXX saying she had applied for the MCC and it was good to go, and ultimately XXXX XXXX forgot to process the MCC. This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. 

Toward the end of XXXX, I contacted XXXX and XXXX XXXX, with XXXX  Equity Resources, regarding a potential USDA loan with a Mortgage Credit Certificate ( MCC ) for the state of North Carolina. XXXX had stated that they are extremely familiar with both products. We discussed both products in detail and I decided to move forward with securing a loan through XXXX Equity Resources. 

On XX/XX/XXXX, XXXX XXXX contacted me via email stating that she had applied for the MCC. She then called to state that I would be receiving revised disclosures to reflect the {$470.00} MCC application fee. Every disclosure from XX/XX/XXXX onward included the MCC Fee. 

On XX/XX/XXXX, XXXX contacted me regarding difficulty obtaining an appraiser who could provide an appraisal before XXXX. Even though my closing date was for XX/XX/XXXX, I agreed to an increased rushed appraisal fee to receive the appraisal before XXXX. 

After not hearing from XXXX or XXXX, I reached out on XX/XX/XXXX to inquire about the appraisal. On XX/XX/XXXX, exactly three weeks before the scheduled closing date, XXXX informed me that the appraisal was never completed. XXXX stated : " I sincerely suggest that you talk to another Lender. XXXX is on a 2 day turn time so you should have no problem closing on time. You are fully approved with us, and Im glad to forward your documents. '' I did not find this acceptable, so myself and my realtor were able to find an appraiser to complete the task. 

Due to the appraisal being delayed by over a month, the closing was delayed by less than a week. Closing was changed from XX/XX/XXXX to XX/XX/XXXX, not even a week past the original date. 

A few hours following the closing, I emailed XXXX to inquire about the MCC paperwork and the logistics of that process. XXXX then told me that she had forgotten the MCC due to the change in closing, but she could refund the {$470.00} MCC Fee. 

This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. XXXX Equity is an approved lender for MCC through the XXXX. The only reason I worked with this company was due to the MCXXXX. 

I look forward to your help,
Consumer complaint received 2022-03-31
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. (PA)

Equifax needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

When I purchased an engagement ring for my fianc, I entered into an agreement for a 12 month - no interest program. Wells Fargo was responsible for the financing. I was told that auto debit would be set up so that the proper amount to close the financing amount would be deducted over 12 months. Instead, the auto debit was setup to only charge me a fraction of the payment amount every month ( they call it minimum payment ) and I am now left facing not only a huge principal to pay back, but also a huge interest on the principal. The bank claims that they provide courtesy calls 30 and 60 days before to remind the customer of the 12 month ending period, but I received no such calls. It has now been roughly 18 months since the financing and despite multiple attempts to resolve this with the bank, I have no success and am ending up paying over {$4000.00} in interest alone! They will not waive any portion of the interest. I feel that Wells Fargo misleads consumers by setting up minimal payments instead of asking the customer to setup the auto debit for an amount of their choice. More importantly, if the auto debit is setup, it is usually setup so that the full amount is paid over the defined period. This is a scam that allows Wells Fargo to earn huge amounts of money at the cost of causing both financial and emotional turmoil for unsuspecting consumers. Please investigate and help protect the interests of people trying to live normal lives.
Consumer complaint received 2021-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-11-20
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. (LA)

To whom it may concern, On a few different occasions I have called Equifax and had been given the same treatment as far as having my hard inquiries disputed, with the same results that they found my inquiries to be factual. When I first received my reports, I saw XXXX hard inquiries that I do not recall authorizing and that On XX/XX/XXXX I sent a multiple inquiry letter via certified facsimile. Equifax received that letter XX/XX/XXXX and responded on XX/XX/XXXX. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. Also the FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit, Insurance, Employment, Court Order.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP (NC)

I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Turner Acceptance Corp. (IL)

ON MONDAY XX/XX/XXXX I HAD APPLIED FOR A LOAN WITH TURNER ACCEPTANCE CORP . I WAS ADVISED THAT I WAS APPROVED FOR THE AMOUNT I HAD REQUESTED WHICH WAS XXXX. I WAS ADVISED TO BRING MY PAYSTUB MY ID AND WOULD VERIFY MY PHONE NUMBER AND AN APPOINTMENT WAS SET FOR XX/XX/XXXX @ XXXX. I HAD ADVISED THAT THE PHONE I CURRENTLY HAD WAS BROKEN BUT THE LINE IS STILL A GOOD WORKING NUMBER ( NOT DISCONNECTED ). THE REPERSENTATIVES SEEMED ANNOYED WITH THAT AND STATED THEY NEEDED TO VERIFY MY NUMBER WHICH AGAIN WAS NOT A PROBLEM, BUT I NEEDED TO GET A NEW PHONE TO PLACE MY CHIP IN IN ORDER FOR ME TO ANSWER THE PHONE. UNDER MY NAME I HAVE TWO LINES AND THEY REFUSED TO USE THE SECOND LINE THATS UNDER MY NAME TO VERIFY PHONE NUMBER SO IT DOES NOT MATTER WHAT NUMBER IS USED TO GET A HOLD OF ME SINCE BOTH ARE MINE. THE APPLICATION WAS AT THE XXXX XXXX XXXX XXXX LOCATION. SINCE I HAD TO GO ALL THE WAY TO MY HOUSE TO GET THE CHIP I HAD REQUESTED THE APPLICATION BE TRANSFERED TO XXXX XXXX XXXX XXXX SINCE MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX IL IT WOULD HAVE BEEN EASIER TO GO TO THE SOUTH LOCATION SINCE ITS CLOSER TO MY HOME. THEN I GET TO THE SOUTH LOCATION AND I WAS ADVISED MY ACCOUNT HAD BEEN FLAGGED FOR SUSPICION/ FRAUD AND THEY REFUSED TO DO THE LOAN. THEY ALSO BEGIN TO TELL ME THE REASON IT WAS TURNED DOWN DUE TO MY PAST PAYMENT HISTORY, NONE OF THIS WAS TOLD TO ME BECAUSE I WAS ALREADY ADVISED I WAS APPROVED WHEN I HAD FIRST APPLIED. THIS IS NOT HOW BUISNESS IS DONE I GAVE THEM EVERYHTING THEY NEEDED AND THEN GAVE ME FALSE INFORMATION AS TO WHY MY LOAN WAS DENIED AFTER I WAS ADVISED IT WAS APPROVED! I AM REALLY UPSET!
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, we have been denied a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. We were approved for forbearance plan with their previous servicer XXXX. When the loan got transferred to Select Portfolio Servicing, Inc we have applied for a modification or any form of assistance because we are not able to make 3 months payment at once. After the forbearance plan ended we have never missed a payment. 
We were denied loan modification because SPS was unable to create affordable payment within the programs guidelines. We have appealed your denial, and we were denied again. We are in chapter XXXX bankruptcy and we are not able to pay 3 payments at once. 
We just want SPS to add these 3 payments to the back of our loan or to the principal balance. Hope you are able to help us and other upcoming customers with the same issue. Thank you.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I filed a previous complaint on XX/XX/XXXX against professional debt mediation and received a response on XX/XX/XXXX how ever the information sent to me was another person idenity I still have not had my complaint resolved but some one else 's idenity
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Unknown hard inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (CA)

At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.
Consumer complaint received 2015-08-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.
Consumer complaint received 2021-04-22
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/XXXX  XXXX  XX/XX/2020 CITIZNSONE XX/XX/2020
Consumer complaint received 2019-05-22
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: Hayt Hayt & Landau, P.L. (FL) (FL)

In XXXX of 2019, I received one communication letter from Hayt, Hayt, and Landau saying that a debt from a third party debt collector that they were assigned " my account '' and that a lawyer would be in touch. Well, they were in touch alright, right to court. I had a police officer come to my house a demanding to state my identification and then handed me a summons to small claims court. There was no contact before the summons to mediate the supposed debt. After, I received the summons I made a few attempts to contact Hayt, Hayt, and Landau to discuss the case to avoid going to court. They would never answer the phone or return phone calls after messages were left, there voice mail states they return phone calls within 48 hours. Fast forward to XXXX, I arrived to the court house from supposed mediation as started on the summons, there was no mediator, just another attorney representing them. I had documents that showed that the debt is not correct and even bogus. The attorney did not want to see the documents, all she took was a piece of paper stating I was disputing the debt with the third party debt collector. There was no mediation, all they wanted was for me to agree to pay {$3800.00} on a debt they claim is only {$1100.00}. So, over three times the alleged debt. When I refuse the {$3800.00}, the attorney told the judge that we could not come to an agreement and request a trial. The judge then proceed to tell me that if I lose, all my assets and maybe my husbands assets would be taken and sold ( cars, house, etc. ) and if there was any money left after the sales, I may get it back. In addition, I had to retain an attorney to fight this debt and Hayt, Hayt, and Landau knows this, but they are still sending legal documents to me via mail, instead of my attorney 's office. I would talk to them personally, if they were willing to mediating fairly. Finally, they represent themselves as attorneys exclusively, but hearing their voice mails, they are actually debt collectors.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have no agreement with this company, Portfolio Recovery Associates ( PRA ). Any agreement would be fraudulent, as I have never formed any kind of agreement with PRA. I have repeatedly asked for proof of an agreement between myself and PRA, and for about one year now, and PRA has been unable to provide any proof of an actual agreement, all PRA sends me is a copy of a a sheet showing a balance, they have yet to show me a contract or anything remotely close to an agreement. Yet PRA continues to fraudulently report two accounts that are NOT mine. Simply saying someone or some group of people owe money for an account should not be reason enough to publish on a credit report or such a like. Proof of an agreement should be required, which shows a meeting of the minds to form a contract. None of these requirements have been met by PRA, and furthermore these requirements have been requested and PRA has had approximately one year to provide the requested information and PRA has failed to provide any documentation or a like of any agreements between myself and PRA, as such these two accounts should be removed from all credit reporting. PRA has failed to meet more than two requirements of the FCRA. I will continue to file a complaint every 30 days, and in doing so the law will force PRA to use and lose their assets to try and explain their lie. I do not owe PRA anything and PRA will never get anything from me.