davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I recently refinanced my home and my old company said I was short 1 payment. I was not and I have spoken to them and emailed them proof that we were not late. I have also sent them a certified letter explaining that we were not late. I received a letter back saying we had to send it to a different address which we did. They sent us back our impound account but not the extra payment. We have proof that all payment were made in a timely matter and they owe us over {$2000.00} as a refund. They are not responding and we want the money they owe us NOW. It has been over 60 days since the new loan closed. 
I appreciate your help in this important matter.
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 status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting an erroneous debt on my credit file and it must be removed. I recently looked at my credit report and noticed this debt was reporting. I never received calls, letters, or any notices about this debt before reporting on my credit file. This violates my 30 day right to dispute under the FCRA. Not only that, this account is past the statute of limitations in the state of Utah according to my attorney general. You can no longer make any collection efforts on this account and it must be removed. If this wasn't enough, it's also past the credit reporting limit! Please remove this account immediately. I am aware that you are the furnisher and can report to the bureaus as you deem fit, so please do not say you can not remove this, I know that you can and you must.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (NY)

COMPLAINT DETAIL XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I purchased a money order, for cash, from PLS Check cashers at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The money order was for {$500.00} and was payable to XXXX, my landlord, for my monthly rent. 
I mailed the money order to XXXX at XXXX, XXXX XXXX # XXXX, XXXX NJ XXXX. XXXX informed me that they did not receive the money order and after PLS researched for me I was given a copy of the money order which had been fraudulently altered to be payable to XXXX XXXX, to the order of XXXX XXXX XXXX. I do not know either XXXX XXXX or XXXX XXXX. 
On XXXX/XXXX/XXXX I completed an Affidavit of Alteration and was told by XXXX, Store XXXX at XXXX XXXX XXXX XXXX, XXXX, NY XXXX that it would take 6 months to research my problem. I also filed a police report. 
After 6 months I was told the research would take a year but I still received no information. I consulted with XXXX XXXX XXXX who also called PLS and were told that the research would take 18 months and no further information was available. XXXX XXXX XXXX wrote on my behalf to PLS and to XXXX XXXX, XXXX XXXX, Illinois the issuers of the money order but no further information has been received. 
It is now 21 months since I filed my Affidavit of Alteration. I believe I should receive repayment of {$500.00} or an explanation as to why that is not possible.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

i have tried for the last two months to access my account via td bank website. The site keeps saying my credentials are wrong. When i attempt to reset the password with my debit card number, it's still not working. I called TD bank small business department and exclaimed to the agent how upset i am with not being able to access my account. I told her I have no idea when I used my card because I cant access the account. She rudely placed my on hold and never came to the line.
Consumer complaint received 2021-04-09
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. (GA)

Equifax suddenly started reporting a missed payment in XX/XX/XXXX on an account that was closed and paid in XXXX. I have already filed a complaint against this bank & Equifax for the error reporting in XXXX, CFPB forward it to the XXXX XXXX XXXX, only to find out that the XXXX XXXX XXXX XXXX is not an actual XXXX XXXX, & from there nothing more came of it. 
I filed a dispute with Equifax for reporting the missed payment in XX/XX/XXXX, but they claimed it was verified. 
This Error Reporting has caused me & my business to be denied credit on more than 2 occasion. 

Equifax reports this account as a closed account since XX/XX/XXXX, yet claims it is possible to have a missed payment 27 months post pay off. Doesn't make sense & is not fair that I can not see their proof. 
I can not speak to the actual bank because I do not have an open account & can not get past their automated phone system.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (AL)

Thousands of dollars of bills were reported to my credit as a collection by Nationwide Recovery Service, I reached out to my insurance and confirmed I was fully covered for these bills, I disputed but Nationwide Recovery Service did not remove. I then spoke to the original creditor, XXXX XXXX XXXX and XXXX XXXX billing departments, I spoke to a representative named XXXX, the original creditor confirmed with me that this account is not in their records under my name, nor do they have an outstanding debt for me. I requested a debt validation from this collection agency, they sent me an itemized bill that states I owe {$0.00} awaiting insurance response. Again, the creditor confirmed that there were no balances outstanding under my name, my children 's names, or our social security numbers. I sent this proof and verification to the credit bureau and to the collection agency. 
It is not ethical or legal to collect a bill for patients fully covered by Medicaid ( also proven ), the original creditor does not have any bills in my name. The accounts are still being fraudulently reported to my credit report even though I do not owe any money which is causing harm to my finances and adversely affecting my credit report and costing me thousands of dollars in interest every year. I have sent a package of proof and verification to this collection agency of which they have ignored. I will take every step needed to hold this agency responsible, these items should not be on my credit report.
Consumer complaint received 2020-12-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sprechman & Associates, P.A. (FL)

On Thursday, XX/XX/XXXX at approximately XXXXXX/XX/XXXX I made an initial call, in earnest , to Sprechman & Fisher regarding Case No. XXXX to begin discussion for a payment arrangement ... 

I spoke to a collector, " Ms. XXXX '', who began the call stating aggressively stating, " BY FEDERAL LAW, THIS IS AN ATTEMPT TO COLLECT A DEBT! '' without providing the FULL Mini-Miranda. Ms. XXXX repeated the statement again stating, " This is an attempt to collect a debt! " ... 

In addition, during the conversation, I expressed I wanted to discuss payment arrangements and " Ms. XXXX '' kept talking over me very loudly and extremely aggressively. I shared with " Ms. XXXX '' that the tone of her voice was extremely aggressive/threatening of which I found to be an attempt to control the call via intimidation especially by beginning the incoming call response with " BY FEDERAL LAW.. '' ... 

Furthermore, " Ms. XXXX '' advised and attempted to collect an amount of {$19000.00} instead of the Case No XXXX amount of {$7900.00}. I offered a balance in full payment plan of {$50.00} down for XX/XX/XXXX and $ XXXXmonth beginning XX/XX/XXXX towards the Case No XXXX amount of {$7900.00} which was not accepted. 

1. Debt collectors are required to give the FULL Mini-Miranda in their initial communication with you. 
2. If a third-party debt collection agency or collection attorney contacts you and doesn't give the disclosure, it has violated the Fair Debt Collection Practices Act. 
3. Even if you initiate contact with a third-party debt collector, they are still required to read you the Mini-Miranda.

4. " The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. ''
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

In 2018 I became XXXX XXXX a few months after signing a 15 month lease with XXXX  XXXX XXXX  XXXX. Id had a 4 level XXXX XXXX in my neck, and even reinjured it, had a series of XXXX XXXX  XXXX, & at XXXX years old, became unemployable. I spoke multiple times with XXXX XXXX, manager at the property & executed a notice to move out. I was then, and am now, very ashamed. But I had little choice. Ultimately in XXXX of 2018 I was awarded full benefits effective XX/XX/2018. I moved because I needed a lot of therapy I could not get nearby. And I couldnt drive because of the XXXX. XXXX XXXX XXXX  came to get me after I XXXX, once right in the parking lot on the concrete. I was in a XXXX, then had a XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But I needed medical attention I couldnt get locally, and the only place that would take me was 27 miles away & I had to be there everyday. I sent XXXX XXXX an email asking for relief, but she didnt respond. I also asked for a copy of the lease, which I never signed, electronically or otherwise, but I did live there, I paid on time while I still had money & even though my pay from my employer ran out in XXXX I continued to pay but needed significant treatments. The issue now is that Im homeless, and can not rent even section 8 housing because of the collection of {$4800.00} they levied against me. Ironically, XXXX XXXX told me they had a wait list for new tenants and the unit would rent quickly and originally, within 2 weeks, they sent me a collection for {$9800.00}. Since the law is clear that they have to attempt to re-let the unit and mitigate the losses and there was a wait list IDK how they had the foresight to assess a {$9800.00} collection fee against me. {$4800.00} might as well be $ XXXX to me, because thats what it feels like. I called the collection agency representing the XXXX XXXX and they demanded {$3700.00} a one time 5 day take it or leave it offer. Ironically, this lease was my 2nd at the property and Id had no late fees or returned payments, Id written a very favorable Review ( since Id been complimentary of the managers ) published on XXXX and XXXX  that they promised a {$100.00} gift card for that Id never received. But when faced with XXXX  life changing circumstances, XXXX XXXX full time in college, I received a {$9800.00} bill amended to {$4800.00} later. But the facts are, I needed medical assistance I couldnt receive there. I couldnt have forseen the crisis I faced. Additionally, Ive been admitted 7x into medical facilities for XXXX  XXXX, 3x against my wishes. The company is the only one who can help me with this, yet attempting to talk to someone is met with disdain and once, she laughed at me.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Spoke to XXXX XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX XXXX Agent advised me to do
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Been disputing this account threw the Transunion credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/2020 : Synchrony bank closed my XXXX XXXX card, {$900.00} credit limit. Care Credit card, {$15000.00} credit limit. XXXX XXXX card, {$35000.00} credit limit and Belk Rewards card, {$1500.00} credit limit. 
When I called they reported that based on my credit report, I was high risk. I have paid all my bills on time. When I received the letter, there is not an agency listed and a credit report was not utilized in making the decision. The letter indicated the reason as activity on accounts with Synchrony indicative of high risk of failure to pay. I have always paid my accounts off. When they closed them, all my accounts had a XXXX balance. I have multiple other cards ( XXXX XXXX, XXXX, XXXX ) that my limits have increased. I feel that I was discriminated against. My credit score dropped XXXX points due this. I am in the process of buying a car and this has affected my process. This has caused me stress and anxiety, in a time where stress and anxiety is higher due to the pandemic and uncertainty in this world. When I called Synchrony Bank, they informed me that the decision was made based on the credit report they pulled. The only option they stated I had was to reapply. This would decrease my score even more.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian is placing fraud alerts and freezing my credit report causing great issues with my credit standing. I am unable to reach a live person to discuss issues. I file a dispute and some are resolved same or next day but others are not being addressed or resolved. I provide proof and accounts are not updated.
Consumer complaint received 2020-10-17
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: EQUIFAX, INC. (MO)

Equifax, XXXX, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did Equifax, XXXX  or XXXX  correct the information on my credit report.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

I purchased and own my used vehicle XX/XX/XXXX. I purchased XXXX  XXXX  6 months policy XXXX comprehensive insurance. Now it's time for me to renew my insurance and I decided to go with XXXX. However, I noticed that both vehicle insurances used LexisNexis for my driver record. Well it's recorded that on XX/XX/XXXX I have a violation of leaving the scene of an accident. I went to court with my lawyer, and that was dismissed. They're records needs to be updated. It is affecting my rating. I do admit that my driving record hasnt been the best since I moved to New Jersey, but the correct facts/information needs to be reported accurately and truthfully in all fairness.
Consumer complaint received 2020-11-17
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. (NH)

They were credit cards taken out in my name and my wifes name and we have tried to get them to come off and no dice we have been through three credit repair services over the past two years and theyve done absolutely nothing but take our money and Trans Union for some reason had my score 100 points lower than the other twoAnd now I have collections on my report thats not even mine and theres stuff on there that shouldnt be there Ive been challenging for a long time and it seems like they dont pay attention to me Im getting tired of it I hope you can help thank you
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was called by capital one asking if I opened up a card at cabellas. I had not applied. They had tried to open online and send it Oregon. They had my SS name and phone number. 
Card was denied. 
But Im reporting this.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

A collection showed up on my XX/XX/XXXXreport approximately XX/XX/2020 from Sunrise collections, original creditor XXXX. I have disputed this debt. It is fraudulent. I have been a victim of identity theft. I have no knowledge of this debt and this company is not used in the area I live. I want this debt verified and removed from my report. Reported to FTC, IdentityTheft.gov XX/XX/2020. Showing late on my credit everyday. Legal action being taken, law enforcement contacted.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2021-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

This company has sent me a debt over and over and over again I count five times in the last six months I have told him repeatedly at least three times not to contact me again and this is not my debt and that I dispute it Today they sent me another letter Im not gon na do this every other month with them for the rest of my life they are violating their business license
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Radius Global Solutions. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Radius Global Solution or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Raidus Global Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I explained to the representative that these inquiries did not belong to me. I explained that I did not ask or sign any document requesting anything from these different companies & I did not get anything from them or set up any accounts. Please delete the inquiries that are included on the identity theft that I have attached. This is very important & should be deleted immediately.
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.