davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (DE)

There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
Consumer complaint received 2021-05-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

Greetings, I have a VA loan on our home & property. We have refinanced twice before. As a result of Covid 19 & other issues, the rates went down again. We wanted to reinance for a lower rate. Nearing the end of the process, the mortgage company advised us that there was a title issue. I told them that this was a VA loan from the beginning. The first title company was with XXXX XXXX, now this the mortgage company, Sun West is using XXXX XXXX XXXX company.The mortgage company that XXXX XXXX XXXX had found issues with the title & would not complete the refinance, I contacted a manager with XXXX XXXX XXXX & he advised, after checking into it that there was no issue that he could find. I then contacted the XXXX XXXX tax office & they advised that the property was confirmed to be in our name and found no issues. I contacted Sun West Mortgage Co. again & told them what I learned. Sun West did not have a good reply & noted my complaint & said that they would investigate. this is what they replied to me : Here are a list of the issues title has brought up to us : XXXX XXXX XXXX is deceased. XXXX XXXX XXXX 's Will has been admitted to probate under Case or Docket Number XXXX in the Probate Court XXXX of XXXX XXXX, Texas. Company requires : a ) A copy of the Will and either : i ) Muniment of Title and/or any other orders affecting title to the subject property. 

b ) Satisfactory evidence, in accordance with Procedural Rule P-11 ( b ) ( 9 ), that state inheritance and federal estate taxes are paid, or will be paid. 



Upon review, Company reserves the right to make additional requirements and/or exceptions. 



We have been informed that this transaction involves an existing Manufactured Housing Unit to be conveyed with the real property. As a result, the following requirements apply : 1. Seller must obtain, in their own name, a Statement of Ownership and Location having designated the subject Manufactured Housing Unit as real property prior to closing the transaction.

2. The real property status must be perfected by filing a certified copy of the Statement of Ownership and Location in the real property records in Nueces County. A copy of the filed instrument must be returned to the Texas Department of Housing and Community Affairs.

3. Copies of the recorded Statement of Ownership and Location must be sent to the tax assessor-collector for the property. The Manufactured Housing Unit must be removed from the personal property tax roll and added to the real property tax roll as an improvement to the land.

I can't beleive there is an issue & I beleive that Sun West is not treating us fairly or professionaly. Please advise if this is something you guys can help with or directme to someone who can. Thank you
Consumer complaint received 2024-02-04
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: Experian Information Solutions Inc. (NJ)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

My name is XXXX XXXX, taking care of estate for XXXX XXXX who died XXXX. 
He spent most of the summer in hospital. While in his cleaning lady stole a check and forged a $ XXXXcheck. She wouldn ; t pay it back so he filed fraud charges against her with XXXX county police. He ended back in hospital and 3 guns and a {$1400.00} genterator were stole, which he reported. 
Ok so after he died I went down there to settle thing, His household had been totally stolen. His mail bix was stolen so there was no mail. I find out his wallet and credit cards are also stolen. 
There were hundreds of charges on his discovery card. There were two cards. Discover said the one was fraud. Then I find out that there was another. Which now they claim is not fraud. I asked them to check the other card and they refused, saying its in a different department and they don't trade information. 
I charge they are playing a game. 
XXXX lived by himself, very independent. This last summer he got his meals from XXXX XXXX XXXX. The fire dept was there over 10 times last summer to get him up, It got so bad they just took him to the hospital. He didn't have a car, but credit card records show a bunch of gas purchases, some 3 times a day. there were hundreds of cash advances while he was in the hospital.

XXXX XXXX had a bunch of charges of over XXXX that they wrote off saying they were fraud. But discover is fighting it. Other than getting the attorney on it, I don't knw what else to do. 
XXXX XXXX lived atXXXX XXXX XXXX XXXX, flXXXX He lived on social security, and small pension. He paid his bills every month Discover # XXXX and # XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pendleton Capital Management (NV)

A man named XXXX has been from a Pendleton Capital collection agency & has been calling my place of employment about an alleged  debt I owe from a pay day loan company. Not only have I asked the man to stop calling my place of employment but I don't owe any money. I told him its not legal or OK to contact me on my work phone number and he said it is and he will continue to do so. I contacted the company he claims I owe money to because I figured if I owe this payday loan company, I can settle the debt with them personally- not with a random stranger who keeps asking for a credit card #. 
I have written confirmation/proof that a ) I don't owe this payday loan company any money and b ) they are not associated with " Pendleton Capital '' as thats not the debt collection company they use when something goes into collection. They provided me with the debt collection company they DO use and its not Pendleton Capital at all. 
I have repeatedly asked the man who calls to stop calling me at work and to take this number off the calling list ( my work line ). I told him if for any reason he insists on calling - to call my cell phone. He says I didn't answer when he called. I explained to him its because I am at work and am not allowed to take personal calls. He said he will continue to call my work to reach me. 

I need this to stop, please! 

The number he keeps calling from is XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TN)

After being with the bank for 30 years Regions Bank sent me XXXX letters that all XXXX of my accounts will be closed on XX/XX/2023. I have XXXX personal and XXXX business accounts at Regions bank. 

There were no explanations and when I tried to call the numbers on the letter and talk to the bank representative in the branch, I was told that they do not have any information and that the department that sends these letter does not take phone calls and does not have anybody to communicate with. 

This does not make any sense. I do not understand how it is possible to treat people like this. 

I would like my accounts to stay as they are, and I would like to have an explanation why I have received such letters.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

XXXX XXXX XXXX, doing business for Great Lakes Credit Union, has repeatedly ignored payments I made since XXXX, XXXX, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX 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 XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2021-07-06
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -ARS # XXXX -ARS # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-28
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: Mandarich Law Group, LLP (OR)

On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The original creditor is XXXX XXXX XXXX XXXX. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the XXXX  XXXX repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that XXXX XXXX had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that XXXX XXXX sold the debt to Protfolio Recovery who has been less then professional. Protfolio Recovery not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have Protfolio Recovery and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My bank account for my XXXX business is being used to launder money. 
XXXX was taken from my account. XXXX $ was then charged to my account for withdraw. Around 400-500 worth of my daily transactions were recycled to extract this amount. And a total of XXXX $ was theamount missing for this month in my business account along with a XXXX check I dont recognize. My ending balance was a negative at the end of month. XXXX If you look at my personal account my beginning balance was extracted. A check was entered early in the amount of XXXX to cause an overdraft fee. My paycheck was then entered late and I was charged XXXX $ when the bank stole XXXX $ from my account after depositing it. The XXXX dollars charge was never recorded and The ending balance is XXXX $ off I was charged XXXX as they manually enter the other transactions on a different date. The payments I make are sent through twice authorized on date taken out the put through again to extract a double payment. Also another paycheck from XXXX XXXX is missing from bank. This is what I need to do my taxes and you cant provide it to me because my bank has been racketeered. Also a check in the amount of XXXX was not recorded as well on XXXX when it was deposited from XXXX my other job. So two checks have gone missing from my account this month. How do I get my taxes done or how does the XXXX then get their work accurate with banking like this? My XXXX claim was just denided due to your banking practices so thats another loss thanks to you for XXXX. 

This is a ton of money!!! In one month. 

Both accounts should have had money in them not to occur any more fees.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (MN)

They contacted my mother and told her that I listed her as a reference for employment and wanted to know if i as her son. He gave the name XXXX to my mother. He also contacted me and left a voicemail. In the voicemail he gave the name XXXX XXXX. Both calls were from a local number in Minnesota ( XXXX ), but in the voicemail he left a New York Number ( XXXX ). 

I XXXX  the numbers and found out that the company is called XXXX XXXX in XXXX XXXX, NY XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

AMEX is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and AMEX can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (NY)

Credence Resource Management , LLC calls my number from 6-8 times per day, during hours that are not allowed and even on weekends. They are rude, aggressive and insistent even when told Im at work and unavailable. They have become a constant annoyance to my sister, who takes care of my special needs child while Im at work. The harassment needs to stop. They outsource work to employees in different time zones, so there's absolutely ZERO respect/consideration for the Eastern time zone and when theyre allowed to call.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The vehicle was a total loss which the insurance company made the payment on XX/XX/20, in the amount of {$27000.00}. There was a balance of {$930.00}. Which XXXX XXXX mailed me a bill XX/XX/20 due XX/XX/20. I noticed XXXX XXXX reported to credit bureau, I was late XXXX and XXXX as well as wrote the debit off as bad credit when I was never late with the car note. I paid the {$930.00} before it was 30 days late. XXXX XXXX wrote the account off before the due date of XX/XX/20. I reached out to XXXX XXXX  and constantly received incorrect information