davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XXXX I received a noticed from XXXX XXXX that equifax reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to Equifax, they told me contact XXXX XXXX XXXX. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



XXXX XXXX  XXXX, was provided copies of the FTC report. XXXX XXXX XXXX  failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. XXXX XXXX XXXX  failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

XXXX XXXX XXXX  did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from XXXX XXXX, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how XXXX XXXX XXXX  came to this conclusion. I suspect that no investigations actually took place. 


Scott & Associates in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of XXXX XXXX XXXX, and also obtained default judgements for them as well. 

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

On XX/XX/20 I paid my mortgage with XXXX, loan number XXXX. On XX/XX/20 XXXX  mail me a letter saying I would receive my over payment in ten business days. As of today, 20 business days later, I have not received my refund of {$860.00}. When I have talked to them, by phone, they have blamed the reason for not receiving my refund of over paid principle on the mail and the letter XXXX sent was not accurate and should not have been sent. When XXXX is collecting payments from the consumer the mail is not an acceptable excuse for not getting my payment to XXXX on.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I get multiple calls a day every day, weekdays and weekends from Portfolio Recovery, who bought out our debt from another debt collection agency. I have dozens of numbers blocked through an app i had to download to try and stop the calls, but they use new ones every day. I sent a letter to the mailing address listed on the mail they send, asking for the constant calls to stop, but nothing has changed. I just keep blocking and saving the call logs.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (IN)

Access to my account was suspended around XX/XX/XXXX for suspicious activity. I haven't traveled or made any transactions outside of my home town. On XX/XX/XXXX I called customer support to resolve the issue, and was told that there would be an inquiry opened into my case. The following day I called again and was told the issue could take 2-10 days to resolve. After ten days I contacted the CFPB to see if they could help unrestrict my account and allow me access to my funds.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was never late. I have always paid on time, not sure due to covid the system made an error. My account should be reporting current never late. I am responsible and pay all my debts on time, this is really affecting me.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Made a deposit with Suntrust account {$190000.00} XXXX never received a debit card from Suntrust,. How ever my card has been activated use to transfer funds in XXXX and XXXX XXXX account without my consent ... ..I was told by Suntrust Bank they had the rights to activate my card Because its a joint account however the card was sent in XXXX XXXX ... Legal Declaimer XXXX XXXX
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Paypall loked my account. Back in iXXXX i was able to talk life on the phone. with customer service to transfer the money direct to my checking account. Never happened. I.m not able to use the automated sistem.it has my old phone number. There is no more life representative. Everything is automated help self service. My account is bloked. There was numerous e mails. Somebody try to hacked my account. Now is permanently bloked.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP
Consumer complaint received 2020-12-10
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enquiries 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Biltmore Asset Management LLC (CO)

Company is trying to get employee information but refuses to tell us who their client is. They are unprofessional and really quite creepy. I would hope that anyone who gives out their employees information to these people gets sued, and their immoral business practices should be shut down
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NJ)

I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. 

Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (GA)

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. EXPERIAN DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

This company is reporting two loans on my credit reports when in fact it should only be one loan. They are reporting the same loan twice because they transferred my loan to another location when one closed. This now looks as those I had two loans with them that charged off. They are violating my FCRA. I even spoke with an agent who verified the account reporting is for the same One loan. I have made several attempts for them to update my credit reports removing the one loan and to report accurate account information which they refuse to do.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

I applied for credit a few months ago and was denied because of an account on my credit. I have since written several dispute letters to Commercial Acceptance and they have never sent me any validation of any type. I have not heard from them at all. I do not know why they are on my credit, I have never applied for credit with them, and they have repeatedly denied my rights of debt validation. PLEASE HELP ME!
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that XXXX  HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a school XXXX Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX  will not call XXXX XXXX  because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
Consumer complaint received 2020-10-18
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. (IL)

I have filed disputes with XXXX for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. XXXX has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that XXXX should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy Chapter13-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is XXXX validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.XXXX is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX but allowing them to update an account that is charged off with dates that don't make sense or add up. XXXX is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but XXXX is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX is not included. This misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I was a with COMENITYBANK/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of James R. Vaughan, P.C. (AZ)

On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at Law offices of James R Vaughn XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XX/XX/XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-09
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: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
Consumer complaint received 2020-12-10
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. (TX)

I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.
Consumer complaint received 2020-08-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

submitted a dispute, certified mail, received a dispute result update report number XXXX XXXX from Experian on XX/XX/XXXX on the report there where 9 items which i disputed, please see pdf on Experian report on XX/XX/XXXX received dispute update for report number XXXX XXXX with 8 items verified, but one did not show on report XXXX XXXX XXXX   acct # XXXX. I call Experian on XX/XX/XXXX to request why XXXX XXXX  was not updating my credit report according to FCRA they had 30-45 days to update disputed information. There respond was they do not have to do an investigate just submit to lender to verify. THAT IS NOT true. a reasonable investigation must have been performed. They lied and gave me mis-information. I enclosed the proof for you to review.