davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (SC)

While I am not currently experience personal issues with my account with West Creek Financial, I am under the impression that their lending process is not entirely legal. On XX/XX/2018 I agreed to buy a mattress from what I was told was a wholesale retail vendor and opted in for them to finance my purchase of {$300.00} with a {$40.00} downpayment. They made the application process quick, I was told my total was {$300.00} with a {$40.00} down payment required, that the rest of the payments would be done in payments of {$25.00} every other week and I agreed to this. However when the signing process began the agent generated an electronic signature for me, turned the laptop screen towards me and quickly scrolled the pages down and tapped to apply my signature for me for every line. She made the comment that her husband does not even turn the laptop towards customers. There was never any mention of interest, that the item was rent to own, or that if it was not paid in 90 days that I would be charged 45 % more bringing the total payments to {$650.00}. It is in the documents they signed for me without allowing me to read, as they did print a copy to send with me. Also in the documents the " {$40.00} down payment '' is an initial payment that did not apply towards my balance. I know that this entire process violates the Truth in Lending Act, as the fees and full disclosures were NOT PROVIDED UNTIL AFTER THE TRANSACTION. Upon searching this company I have found several other people who has been scammed by this company as well.
Consumer complaint received 2017-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

Re : Loancare loan # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX I am fully up to date on my mortgage payments. I have {$2400.00} in my escrow account ( see attached statement ).

My mortgage servicing company, Loancare, failed to pay my city property taxes. 
I have been calling them multiple times, beginning in early XX/XX/XXXX, to verify my taxes have been paid. Customer service repeatedly told me they would take care of it, but as of today, XX/XX/XXXX, they have not paid them. 
I had to write a check for my city property taxes in the amount of {$830.00} and take it to the city clerk myself today. 
I should not have to pay my property taxes myself, when there is plenty of money in my escrow account. And when I repeatedly asked them to pay my city property taxes. This is fraud, as far as I 'm concerned.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Paypal Holdings, Inc (NJ)

Hi, Company Name : Paypal Dispute transaction date : XX/XX/XXXX in the amount of {$500.00} ( Fraud transaction ) Dispute filed : XX/XX/XXXXDispute ID : XXXX Dispute description : Unauthorised transaction Initial decision from Paypal received on XX/XX/XXXX was to deny my claim After that I appealed to Paypal fraud specialist on XX/XX/XXXX, and I got this message : " Hello XXXX XXXX, We recently received your appeal for an unauthorized case that was denied. We 'll get back to you with our findings within 9 days. '' Its been more than 75 days and I have n't received any update or Credit of {$500.00} During this time, I have contacted them twice and both times they have told me that the case is still under review and will be expedited. 

Nothing is happening. 
Paypal should immediately credit {$500.00} to my account. 

Thanks XXXX XXXX
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXXXXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX Capital One closed my account with refunding me the deposit I have made back in XXXX. 

I have called multiple times to have this deposit send it back to me via check. I can't believe they're stealing money from the customer and they closed my account incorrectly! 

I NEED MY DEPOSIT TO BE SENT VIA CHECK IMMEDIATELY! 

My check need to be sent to this address : XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (GA)

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


EQUIFAX 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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. (PA)

please see identity theft report. i have consistently disputed fraudulent accounts that are result from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Douglas, Chancellor, Meyers and Associates, LLC (MO)

Around XX/XX/XXXX, I started receiving phone calls from Douglas Chancellor Meyers & Associates stating they were a debt collection agency and I owed {$29.00} for something. I hung up on them a few times over several days because I had no outstanding debts and considered it a scam. 
I received a letter on XX/XX/XXXX stating it was for XXXX XXXX XXXX XXXX XXXX XXXX. Again, I thought it was a scam because I never received a bill from the principal. 
The last time I saw XXXX XXXX was on XX/XX/XXXX for a consultation. I was billed {$220.00} for that office visit in XX/XX/XXXX, and mailed the balance due to them that month. 
All of this could have been avoided if XXXX XXXX would have billed me directly first instead of giving it to a debt collector. 
I have informed the operator at Douglas Chancellor Meyers & Associates twice in the last 2 weeks that I have paid the bill and to stop calling me. They continue calling, 1 to 3 times a day with a recording. The last call was today ( XX/XX/XXXX ). I pushed the " 0 '' option to talk to someone again, did not work. 
I attached the 2 letters I sent out to both parties. I can send the letter Douglas Chancellor Meyers & Associates sent me if needed - have to get it scanned somewhere first.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

They have the wrong d.o.b., they also have multiple address on file as well as my employer. Ive called and asked them to delete any adverse account thats associated with the wrong date of birth. Ive asked them to remove my employer information, because thats personal information that I DO NOT want public. Ive also asked them to remove all former addresses because theyre not valid and incorrect- because I can no longer receive mails there. All my request have gone unanswered.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I was checking credit burial and seen that wells Fargo mortgage removed them shelf of all three credit reports because i am in a chapter XXXX, they told me that they can`t report because of bankruptcy I called the court and they said they should be reporting and I called my lawyer he said the something, but when I was behind they reported everything to credit burials so isn`t that dishonest and not legal. 


Thanks XXXX XXXX XXXX
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (NY)

On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC.  For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

I was told by the state in XX/XX/XXXX I owed a balance. The balance was paid and shown paid off as of XX/XX/XXXX as the money was taken from my taxes. 
Lien was placed on my credit report, however account has been documented as satisfied. I contacted IRS to have this removed they advise they do not handle removal of liens and to contact my credit bureau I contacted credit bureau and they advised not sure if it can be removed would be escalated to resolution team and i would receive a response in 30 days. It has been well over 30 days.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (SC)

When I pulled my credit report in XX/XX/XXXX, I was first made aware of this debt with Carter-Young Inc., mailing address XXXX XXXX XXXX, XXXX, GA XXXX. I was never contacted by XXXX XXXX XXXX stating that I owed any money. I lived at XXXX XXXX XXXX  until XX/XX/XXXX and completed a satisfactory walk-through move out inspection with a property leasing agent ( XXXX, I believe was her name ) on the last day of my leasing agreement. I made all of my rent payments on time each month which was only {$500.00} and stayed through the end of my lease. The amount that Carter-Young Inc. is demanding is {$850.00}. I disputed this information with both XXXX XXXX XXXX and Carter-Young Inc. in XX/XX/XXXX however I was never provided with a detailed explanation of the charges. My XXXX Credit Report still states " Account in dispute-reported by subscriber ''. I would like for this company to cease reporting this inaccurate information to XXXX  unless they can verify that I owe XXXX XXXX XXXX  a debt including a detailed break-down of how the amount was achieved, ie. dates of missed payments, lease agreement, eviction notice, etc.
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NJ)

I submitted Payments on a Monthly Basis of {$430.00} US Bank Is Claiming I never paid when I did. I than call The Company and they take my call and than put me on a long hold of XXXX to XXXX min why they claim to check records
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

experian bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of experian data breach.. XXXX XXXX and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian is reporting XXXXXXXX XXXX XXXX XXXX XXXXXXXX Shows a balance of {$6800.00} Status is Account is charged off {$6800.00} " written off '' I do not have a contract with a signature with this creditor and asking for the removal. The amount showing as " balance '' is not accurate. In accordance with the Fair Credit Reporting, 15 U.S.C 1681 section 602 states I have rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OK)

Ditech Financial has not credited my fixed rate mortgage account with interest paid. I made a payment for XX/XX/XXXXthat Ditech received on XX/XX/XXXX. Instead of applying extra funds to the loan as agreed, Ditech applied part of my payment toward the interest for XX/XX/XXXX, calling it " prepaid interest. '' This was the only prepaid interest ever shown on the account. They set the next payment as due XX/XX/XXXX. I wrote and called them about the error. Ditech told me they had fixed it and all extra funds had been applied to the loan principal. They re-set the next payment due as XX/XX/XXXX. So after this, the XX/XX/XXXX payment should have been wiped out, as if it had never been made. The prepaid interest figure should have gone away. It did not go away. When I made a payment on XX/XX/XXXX, Ditech subtracted the prepaid interest amount from the interest due for XX/XX/XXXX. I ended up with a negative figure for interest paid, on the XX/XX/XXXX statement. I wrote to Ditech, told them exactly what the statement should show, and why the negative interest was an error. Ditech wrote back a month later. They do not recognize any error on the statement. They have not fixed the problem of the prepaid interest in XX/XX/XXXX counting against this year 's interest. Since it's a problem of their refusing to credit the account with interest paid as of the date received ( XX/XX/XXXX), aren't they required to fix it? I don't know how the loan could be transferred to a different servicer or how the XX/XX/XXXXtax form will be correct if not. Basically, they are refusing to service the mortgage. Ditech doesn't have the capability to automatically apply extra funds as they say they will. They keep applying them to future months after assuring me they will apply them to the principal. Then I have no payment documentation. This amounts to a penalty for trying to reduce the loan principal. XXXX XXXX should not allow them to service mortgages if they will not service them.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802.

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have an issue with personal information, Former or current employers, address & current employers not been up dated. Remove the correct information on my report. It has been now since XX/XX/XXXX and still information not updated or correct have sent in check stubs, XXXX   forms showing employment with the same company for over 2 years in half and as of this date not corrected and updated. this makes no sense on something this simple. I have also experience added or made up address and information not corrected on my file since XX/XX/XXXX.
Consumer complaint received 2018-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevSolve, Inc. (AZ)

I received a statement from RevSolve Collection Agency onXX/XX/XXXX for {$60.00} in reference to XXXX Urgent Care Services. I emailed then a notice to validate the alleged debt as I was certain I owed them nothing. I received a statement from ResOlve dated XX/XX/XXXXwith a statement stating I owed {$60.00} and a statement validating that my balance to XXXX Urgent Care is XXXX. This is clearly an attempt by RevSolve to extort {$60.00} out of a unsuspecting person.
Consumer complaint received 2019-03-04
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. (CA)

I never opened or seen the credit card come to me from XXXX XXXX XXXX Credit Card. At the time they claim I had gotten card I was living in XXXX CA. I been living with my parents in XXXX XXXX CA. One thing has stopped the calls from XXXX XXXX because they can not legally track me to my parents house when they never gad the number in the first placr and my father told them quit persueing otherwise talk to our lawyer that stopped the calls but I still getting mail into my parents post office box if I was in XXXX where they say I opened credit how are they sending to a box in XXXX XXXX I didn't give it to them. I had no existence of the card or anything from XXXX XXXX until I noticed it on my credit report. I am in the process to taking XXXX XXXX  to Court for harrassment and turning in complaint to Experian and who knows the other 2 credit bureaus and I guarntee I will win I have probably over half of the lawyers in XXXX XXXX County that are personal friends back me up and ready to fight XXXX XXXX when I say so and I will go against Experian and the other 2 credit  monitoring companies if its not erased from my report and Experian knows the others I'm disputing too I am just starting with XXXX XXXX and then others will follow. I can not fix my credit if my disputes dont get resolved and I can't fix everything because I been a victim of Identity theft already and I am taking revenge as of now and will probably become rich in the process because I will win.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I am a US citizen currently XXXX XXXX and am unable to access my credit report. It's come to my attention there are medical bills in collections from a car accident where I was not at fault and the medical care providers failed to bill the Personal Injury Protection policy provided. 

This is adversely impacting my credit score which was EXCELLENT a year ago. I am not returning to the US any time soon and need to access my information. If I am able to provide my identifying information, there is NO GOOD REASON I should be prevented from accessing information I am legally entitled to as a US citizen. 

Please advise immediately.