davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
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: EQUIFAX, INC. (FL)

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXXXXXX XXXX I made one last attempted to resolve issue with XXXXXXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXXXXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXXXXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX  # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ERC (NJ)

I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Convergent Resources, Inc. (NJ)

I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Experian Credit Reporting Bureau [ XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ] deleted my oldest credit history off my account WITHOUT MY PERMISSION. I tried to correct errors on my credit report, and both times Experian ignored my request and did something completely different than I asked. 

1. I informed Experian that my account with XXXX XXXX.XXXX was closed because the company closed their stores in XX/XX/XXXX. It was listed up on my credit report as a still open account. When I received a copy of my report after the dispute- the account showed up as " Closed By Consumer ''. This was not true, The company closed their doors in XX/XX/XXXX by I never closed my account. 

2. After seeing my " corrected '' Credit Report which said the account was closed by me, I asked Experian to correct the account to show that IT WAS NOT CLOSED BY ME, BUT BY THE COMPANY because the company went out of business. The Company went out of business in XX/XX/XXXX- as I stated in both my first and second disputes. 

3. Experian deleted the account in its entirety- which was the longest standing account in my credit report. I WANT IT ADDED BACK. 

4. I called Experian, and after waiting on the line for 30 minutes, and then 10 minutes more- Experian said they could not add the account back onto the report UNLESS I FILED A LETTER TO THE FEDERAL TRADE COMMISSION ( FTC ). If they can take the credit history off unlawfully, they should be able to put the credit history back on- AND I WANT THE XXXX XXXX ACCOUNT FROM XXXX ADDED BACK ONTO MY CREDIT REPORT.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

This is a problem with a Sears Card that I have had for 30 years. When I was married to my xhusband Sears allowed him to charge without my consent over 5000 in tools. When we separated and finally divorced the account was only in my name and I was left paying off the balance, which I have now done. I was offered a settlement amount that was {$400.00} less than the amount I paid to close the account out. I asked only that the late fees we waived in the amount of {$140.00} and they are now refusing to waive the fees. At this point I want every receipt that they allowed him to sign for to be returned to me if they can not zero this account out.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc. (CO)

XX/XX/XXXX at Received voice message saying she's not sure she has the right company, gives an address that my company is not associated with. Said her name is XXXX and to call her back at XXXX reference number XXXX for an outstanding debt. 

Later on XX/XX/XXXX received voice message Access Receivable tying in last 4 digits of my bank account to a balance that is due {$1600.00} XX/XX/XXXX received email from XXXX XXXX at Access Receivables saying there is a balance of {$1600.00} that must be paid. The fastest say to suspend collection activity and eliminate delinquency is to make arrangements to pay directly with their office. Access Receivables says their client XXXX  is responsible for making the claim. Neither myself nor my company have any connection with XXXX.
Consumer complaint received 2019-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

In 2017 I requested to have my cosigner removed from my loan. During my telephone conversation with the customer service rep, she advised I would need to make 12 consecutive on time payments in order to do so. This has been done but when I asked after the 12 months they informed me I will NOT be able to remove the cosigner
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I went food shopping XXXX XXXX 2021 at XXXX XXXX XXXX in XXXX NY for {$260.00} ran my tdbank debit card and the woman stated it did not go through to do again so I swiped again she said it still did not go through, so I used a credit card. I went home and saw that it did go through 2 times- I called the store that day and they said take it up with your bank I called the bank the next day and they gave me {$530.00} in a provisional credit- then on XXXX they took the money back and ask me to prove I paid 3 times- I went to the bank and the man faxed the statement as prof and since then I have gotten several letters that the credit did not go through and I loose the money- They gave me the {$260.00} so far but they will not give me the other {$260.00} because they stated I did not send the required documents in 4 weeks. I did nothing wrong but go food shopping for my family and 2 large corporations will not give me my money back that I need to pay bills- they are playing with me and I am so discusted by this whole process to get back my money! 
Thank you for your time, XXXX XXXX
Consumer complaint received 2021-06-03
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: CORELOGIC INC (NY)

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time XXXX didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Ditech continues to send a statement that shows a past due amount for insurance of XXXX That was already paid with the XX/XX/2019 pmt. on XX/XX/2019. 
This has been addressed with the Ditech company 2 times on approx, XX/XX/XXXX. 
Was assured by the representative that an amended and corrected statement would be sent within 24hrs. plus mailing time. 
I received another statement on XX/XX/XXXX that reflected the same incorrect XXXX Past Due plus the current insurance amount. of XXXX. 
Upon phone call on XX/XX/2019 I was told that the funds were being reallocated and that I should wait on the next statement to see if it was corrected. Next statement should be arriving before XX/XX/XXXX which is past the scheduled payment date of XX/XX/XXXX. 
This is unfair credit reporting.
Consumer complaint received 2020-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX ; Experian and XXXX   should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

We purchased our home in XXXX of XXXX through J.G. Wentworth and JG Wentworth continued as the loan servicer. The property purchased at XXXX XXXX XXXX has to county apn numbers : # XXXX and # XXXX. The property taxes were paid on one apn and not the other, although both are included in the mortgage paperwork. This information was brought to their attention two years ago after receiving deliquent tax notices from the county of XXXX, CA. This was again brought to their attention on XX/XX/XXXX via email with a confirmation saying the delinquent taxes were received. I received an email on XX/XX/XXXX saying that any deliquency would be paid by the company out of a corporate account. I called the company to confirm, and was informed that the taxes would be paid on XX/XX/XXXX. They wouldn't give me this information in writing by mail or email. I also requested an audit of our escrow account, because the escrow amount should have covered the deliquent taxes. Our loan was then transferred to a new servicer, Freedom Mortgage, effective XX/XX/XXXX. I immeditely sent the deliquent tax notices to the new servicer. The reviewed the infomation and assured me that the taxes would be paid on XX/XX/XXXX and that an escrow audit would be performed and sent to me by XX/XX/XXXX. Again, they wouldn't confirm this information in writing or give me a confirmation number. Freedom Mortgage has also added hazard insurance and an additional flood policy in addition to the homeowners and flood insurance that I already carry. I notified my flood policy agent ( XXXX XXXX of XXXX XXXX ) that the maximums of the policy needed to be increased, and they did increase them right away. I have received a letter again telling me to increase my flood policy maximums or they will obtain a policy for me. They are increasing my payment from {$1600.00} to {$1900.00} to cover this. It seems that they are adding things without my authorization or need and not paying the property taxes for the second apn. The deliquent taxes equal {$10000.00} with penalties. I just want the property taxes paid and I want to see where all of the escrow money has gone if it wasn't used to pay the taxes. I have not been late on payments and I have carried proper flood and home owners insurance since the inception of the loan. If this isn't remedied immediately, I will be forced to take legal action.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. 

This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. 

The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because zoomer notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. 

The collection agency fail to provide documents validating this fraudulent debt. 
And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

XX/XX/21 Account # XXXX {$370.00} that I owe I have never signed any written document saying that I owed the debt to the collector. 
They are violating my rights of the FCRA. 

I do not know who they are and have not given written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (IL)

Harley Davidson financial has called me, sent me letters, and come to my house, when I do not owe them any money, and I have never had any financial arrangement or loan with Harley Davidson ever. The person who owes the money has not lived in my house for more than two years. I need them to stop calling me two times every day, sending letters to my home that are not addressed to me, and to stop sending debt collectors to my home! I have asked them at least 50 times not to bother me again. The most recent call was today from XXXX, Harley Davidson financial services.
Consumer complaint received 2022-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My name is XXXX XXXX and I am now a recent widow. My loving husband passed away XXXX XXXX and he was the one paying the mortgage, while both of us is on title. 

My husband had a XXXX  some years ago and was on XXXX but that ceased over more than XXXX years ago due to him reaching a certain age. 
He incurred a lot of medical bills which we struggled to pay and while taking care of him, I was working " part-time '' which affected our income. 

I have reached out to Wells Fargo since last year after the passing away of my husband and have sent documents over and over but to no avail. 

My Home Preservation Specialist XXXX XXXX ( XXXX XXXX. XXXX ) has only talked to me once. 
Attached is an email that I sent to her requesting a time frame to no avail. 
I keep talking to different representatives like XXXX on XX/XX/2022 and XXXX on XXXX XXXX to mention a few. I don't remember the other. 
I hope they can recall the recording of my conversation with XXXX on XX/XX/2022 as it was frustrating to say the least. 
The generic denial letter dated XX/XX/XXXX was confusing, not tailored to my needs. 
XXXX said we should ignore the letter, that the only option is to sell the house and I was denied loan modification. He said I'm not eligible for FHA XXXX Recovery Modification. 
I informed him about the XXXX XXXX XXXX XXXX ( XXXX ) program but he was not that helpful to say the least. 
I want to pay the outstanding owed via XXXX as I am eligible according to XXXX XXXX the counsellor from XXXX ; dealing with her was very helpful compared to XXXX and the others. She informed us about this Bureau as she was empathetic towards my situation. 
Please come to my rescue as the bank is stalling as far as I am concerned. 
Thank you for your favorable assistance to my plight.
Consumer complaint received 2021-12-09
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. (IL)

I PURCHASED A XXXX XXXX AND FINANCED IT THROUH XXXX IN EARLY XXXX. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY. 

AUTPAY WAS SET UP AND I EXPECTED ALL PAYMENTS TO BE PROCESSED THIS WAY. THE COMPANY RESPONDED TO ME THAT THE INITIAL PAYMENT WAS NEVER INTENDED TO BE PAID BY AUTOPAY. AS FAR AS THE DELINQUENT NOTICES I ASSUMED THEY WERE BOOKKEEPING GLICHES SINCE XXXX HAD MY DEBIT INFORMATION FROM MY ACCOUNT.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (AZ)

I was contacted by a woman who sent me a XXXX friend request. In her text she asked if I would like to make more money to donate to a nonprofit I had started 12 years ago. She said that she was a senior financial advisor, CFO of a cosmetic medical company and just started her own company. She was buying and selling crypto coin options and could make a good profit. Over time she would encourage me to add money to my own options account that she showed me how to set up. Options were bought at Crypto.com and then sold on XXXX. I would send wire transfers from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  and they would send a transfer to Crypto.com where we bought the coin options, then sell them on XXXX. I was encouraged to take out loans since the balance was growing and they would be paid off the increasing account balance. My account got to {$350000.00} and I wanted to cash out my account to pay the three loans that were due soon. On XX/XX/23, under the directions of the XXXX XXXX, I tried to cash out my account. This is done on a Chat on the XXXX website. When I told them that I wanted my account to Crypto.com I was told that I needed to pay an additional {$140000.00} to be able to reach a level to get my money out or to trade again. Since the morning of XX/XX/23 I have not been able to withdraw my money or make a trade. I have no access to do anything on my account. I have screen shots and paper documentation for my entirety of this process. I have screen shot of the wire transfers on Crypyo.com.