davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX SER Date of inquiry XX/XX/2020
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, MO XXXX I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 30 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-10-28
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: Associated Credit Services, Inc. (MA)

Associated credit Services inc sent me two pieces of paper claiming, that the two papers verify the debt that they claim that I owe to them. I asked them for the original contract bearing my signature and they cant seem to provide that document to me, I need this debt validated, I did not ask for verification of the debt, I asked for validation, meaning that I need to see the original contract bearing my signature or if I signed an agreement with associated credit services inc saying that I agreed to pay them any amount of money, I would also like that provided to me. What this company sent me its not enough to validate this debt, delete this debt from your system and do not contact me anymore about this matter if I cant be provided with the documents that I have asked.
Consumer complaint received 2017-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. 

The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. 

I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. 

I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I submitted my loan modification paper work by the XXXXdeadline with no response yet. Sale date set for XXXX/XXXX/XXXX. In addition, the amount that is outstanding on the NOD is incorrect with numerous attempts to resolve with no resolution. 

XXXX XXXX has an insurance check for $ XXXX which approx {$460.00} for XXXX cleaning on the house - the balance to be applied to the mortgage but they have not done anything. Except keep asking for documents they received over and over from the XXXX XXXX XXXX ( e.g. Proof of Insurance, XXXX etc ). 

They are not deducting the {$4000.00} from the outstanding balance. 

Not sure their intention.
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have power of attorney for my XXXX mother and started managing her accounts mid XXXX. I began to see a " check image fee '' of {$3.00} charged to her checking by Bank of America. I have had to call XXXX times now to tell them to stop charging the fee and they have reversed the fee. My issue is that they continue to charge the fee and I have to call to get it reversed. There is NO way on the online account to stop the fee and it doesn't even reference this type of fee when you do a search. The people I speak to at BOA state they 'turn it off ' yet the next month, there it is. I think this is a way that they rip off customers who do not reconcile their accounts or like my mom, no longer use a computer. I asked the last person on XX/XX/XXXX - XXXX to make sure it is not charged again and she said she could not. I think this is a terrible way of doing business and if it wasn't such a pain to move my mother 's account away from BOA I would.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of Identity Theft and asked for an Identity Theft Block under FCRA 605B and Transunion deleted the accounts but not the inquiries. They said the reason was that I did n't identity them properly, so I am doing so here so there is a record of it. 

Unauthorized inquiries : XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 If for any reason they have an excuse not to delete them, I DEMAND to see the following : Permissable Purpose ( Pursuant Section 609 FCRA ) Verbal or Written Authorization ( Pursuant Section 609 FCRA ) and their detailed procedure for investigation ( Pursuant 611 FCRA ) Thank you
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (KS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-12-25
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: Credit Plus Inc (GA)

FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
Consumer complaint received 2022-09-08
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. (TX)

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my TransUnion, XXXX, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm TransUnion, XXXX, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 at roughly XXXX XXXX Pacific time ( US & Canada ) I purchased goods and services from XXXX XXXX ( XXXX XXXX via PayPal for the prices of {$100.00}. I did not receive any of what I paid for and after trying to resolve the issue and collect my refund I was told to go to another online payment website to which I declined. It is clear this person is falsely advertising his or hers service in the hopes to eventually sway the consumer to cut their losses. I am willing to take legal action if necessary. 
Transaction ID XXXX
Consumer complaint received 2017-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (IN)

Called Big Picture loans on XX/XX/XXXX to pay off loan in full. Principal Balance on account page states {$540.00}. However, The amount to pay the loan in full was {$810.00}. This loan was taken out inn XX/XX/XXXX. The account that they have on file for me to pay my payments with had to be closed due to possible fraudulent activity. I opened a new account and requested that they update my banking information, They said that they would have to email me a ACH Authorization form. That request was made at XXXX XXXX today XX/XX/XXXX. Still have yet to receive the form. I had previously requested this form and it had gone to my spam folder. I completed the form with my new banking information and sent it back at XXXX XX/XX/XXXX and they sent a confirmation back stating that they had received the form. I called them again at XXXX XXXX and requested to pay off my loan and once again they claim they have not received the updated banking information. Said they would contact their email support department and call me back. Still have not heard from them. It is now XXXX. XX/XX/XXXX. This loan accrues {$10.00} per day in interest charges. They purposely delay and have stall tactics to get more interest on the loan. I refuse to pay them one more day interest due to their slow and deliberate delay to accept my payment in full for my account.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (CA)

The company in question is called Credence resource management, they have called on a almost daily basis saying that they are a debt collector trying to collect a debt for an XXXX XXXX XXXX account and phone number that I have never had and I have never had XXXX XXXX XXXX  I have called them repeatedly and told them to stop calling my number which they do not do, and I have contacted my lawyers at my credit repair service to confirm that there is no Credence resource management agency reporting on my credit reports. When they have called they try very hard to get personal information out of me.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to update/correct my following personal information below on file with the way you are reporting it. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : ( These addresses are incorrect and are not an accurate address for me. Delete these addresses for violating the FCRA. ) XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXY XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

i had to move because i was layed off due to covid 19, i was unaware these charges were added to my credit report, i tried to work out a way to pay, but they did not adhere to any resolutions offered.
Consumer complaint received 2021-04-22
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. (FL)

Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: West Law Group, PLLC (TX)

Company claims to be a law firm trying to collect debt as a 3rd party debt collector. The firm has been verified by the Secretary of State that it doesnt have Surety Bonds to collect debt, but has seized and collected debt through a contract that was made and signed on XX/XX/2022 for the amount of {$200.00}. Possibly a scammer using past law firm information from multiple sources OR a Law Firm operating WITHOUT SURETY BONDS. Contacted Secretary of State who verified the following companies do not have surety bonds and that they have been canceled, but are continuing to operate and collect debt ; XXXX XXXX. XXXX, XXXX XXXX XXXX, West law group, west law group PLLC. The Law Firm has been asked to send a receipt for proof of payment and refused, the firm was requested to send a copy of the original creditor contract and refused. The contract is signed under XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX, XXXX. May go by the name XXXX XXXX XXXX XXXX Westlawgroup.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. 

I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas,  which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. 

He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.
Consumer complaint received 2020-10-08
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. (NC)

A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 )  The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im  requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OK)

In XX/XX/XXXX I did chapter XXXX bankruptcy, I decided to keep my mobile home through ditech financial. I paid ditech through the trustee, that same year we had a horrible hail storm and it did XXXX in damage to my home, the home needs new Windows, siding and a new roof, I contacted ditech for 5 or 6 months to no avail, so I took them off the bankruptcy and stopped paying them. Next I offered them a settlement on my house I've been paying on since XX/XX/XXXX, originally the mortgage was XXXX and after paying from XX/XX/XXXX to XX/XX/XXXX I now owe XXXX. I offered XXXX for a settlement and they said yes but needs all XXXX at once. I can't come up with that, so currently they left a house is vacant and abandoned sticker on my door. I've had nothing but problems from this company, XXXX was my first holder and they charged XXXX convenience fee when paying over the phone, ditech does the same thing. Please help and thanks