davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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. (TX)

My husband and I were in our yard talking when we were approached by XXXX XXXX ( a worker from XXXX XXXX ) on XX/XX/XXXX. She began to ask if we were interested in having an alarm system set-up. When we inquired about the price she told us how expensive it was and we informed her that we couldn't afford to pay those prices. We then thanked her for stopping by and she asked if she could get our phone number and email address and told us to think about it over night and she would call in the morning just to be sure we didn't want the service. She contacted my husband and he told her that we were NOT interested and that was the last we heard of her. 

On XX/XX/XXXX I pulled my ( Equifax ) credit report and there was AND STILL IS a hard inquiry on my report. I tried contacting her with the number on the business card she left but she never answered my calls. I also tried disputing it with the credit bureau but it's still on my credit report as of XX/XX/XXXX. I have no idea how they were able to obtain my credit report since I NEVER gave her any of my personal information other than my name and email address. They used completely unethical business practices and obtained an unauthorized credit check that was never requested by myself nor my husband. I have no idea why they would even attempt to run my credit when they were told we were not interested in their service. Companies who practice unethical and unprofessional business practices such as this must be stopped.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (NV)

I worked as a XXXX XXXX for nearly 40 years. On XX/XX/2016 I was injured in XXXX, Illinois while I was performing my duties, I was treated at XXXX XXXX in XXXX, Illinois, and at XXXX XXXX Hospital in XXXX, Illinois. 
I was placed on XXXX with The Office of Workers Compensation, Department of Labor. I am still covered under Workers Compensation as my injuries are XXXX, I have a XXXX XXXX. I have XXXX XXXX  codes associated with my injury which are supposed to be used correctly for any and all billings. 
I have received numerous requests for payment, and bill collection notices in the past two years. I am now receiving repeated calls from debt collection agencies in Illinois and now Nevada. I am being harassed for payment of medical bills which are covered under The U.S. Department of Labor, Office of Workers Compensation Program. 
XXXX XXXX, XXXX, IL. XXXX has been contacting me for payments of {$210.00}, {$1500.00}, {$1700.00}, and amounts in excess of {$6000.00}. XXXX XXXX and XXXX XXXX XXXX has forwarded a non-payment status to both XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX. Phone XXXX. Grant & Weber , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone XXXX extension XXXX. 
In each and every instance I have informed both XXXX XXXX XXXX XXXX XXXX XXXX, that I am a XXXX XXXX covered under the Department of Labor OWCP, and that OWCP is fully and completely responsible for any and all payment for services of my injury and XXXX XXXX. 
I have faxed documents as such to XXXX XXXX and XXXX XXXX XXXX. I have called and explained to both that I am not responsible for bills owed by the Dept. of Labor, My injury is fully compensated and it is illegal to attempt to collect payment directly from me, the injured XXXX XXXX. I have made numerous attempts along with OWCP to resolve any and all issues regarding any billing, yet I continue to be harassed. I am at the limit of my tolerance, I do not wish to be harassed further!
Consumer complaint received 2018-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I have disputed 2 items on my credit report from the company. I got a letter stating that the information has been verified but they have not provide any proof to how this was verified. 

Disputed on XX/XX/2018 for {$660.00} and {$660.00}
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I understand my personal information is possibly exposed because of a credit agency having poor security measures. Now I understand I am to pay to have a freeze on my card, I do not believe nor feel it is right that I pay for it because I never once handed over my information to them and they are the ones who had my information compromised.
Consumer complaint received 2019-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years. This BK aka public record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both XXXX  and Equifax have different dates both of which are incorrect. 

3 ) I attempted to dispute this with XXXX  over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from XXXX  .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

Equifax website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention inaccuracies in my credit report, as discovered upon my recent review. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act, I request that you verify the following accounts ( A ) and correct any inaccuracies within the legally mandated time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

The day of XX/XX/XXXX XXXX my insurance payment had gone through which over drew my account, that payment was {$160.00} and some change. I called the bank the next morning they said if I had the money in by XXXX I would be fine. During the day of XX/XX/XXXX, I worked all day to cover those funds. During that day I spent more money on gas {$25.00} and some change and also some food ( two charges ) Knowing I would also cover these charges. Before XXXX I covered the insurance payment. I also covered all the other payments. By the time I ended work that evening my account was in the positive amount. 
The next morning I woke to three insufficient funds, charges from the gas amount and two food purchases. Even though my account was in the positive. I called headquarters and the man was saying stuff that didnt make since, even though he clearly admitted seeing my account was in positive the night before. He kept saying some excuse, was actually unfriendly. He wouldnt help me. I then went to my local branch and they wouldnt help me either. Now my account is {$100.00} in the negative, from three {$34.00} insufficient funds. 
That day XX/XX/XXXX I had to get more fuel for my car. I spent {$45.00} on fuel and again I made money to cover that amount before XXXX XXXX. And had deposited in my account. Then the next morning they added another insufficient fund to my account totaling 4. I stopped using the account and putting money into it because I cant afford to pay off these fees, my money needs to go to things that are needed. Also this incident is messing up my scheduled automatic payments that are starting to roll in.
Consumer complaint received 2021-07-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc. (MO)

I received a loan by mail and cashed the check on XX/XX/XXXX in the amount of {$1200.00}. I was making payments but due to unforeseen circumstances, I am unable to meet all my financial obligations. I have no choice but to file bankruptcy and hired a bankruptcy attorney. I informed the branch manager of my situation on XX/XX/XXXX. I asked that all correspondence and communications be directed to my attorney. Today ( XX/XX/XXXX ) my co-worker informed me she received a phone call XXXX on her personal cell phone ) from the company asking about my whereabouts and if she could give me a message to call them. I feel my rights have been violated as they disclosed information to an unauthorized third party. I've never listed any references to call in regard to the loan. My co-worker knows the call was an attempt to collect a debt. It's extremely embarrassing to be in this situation in the first place. But to have my co-worker know about my financial situation is very humiliating. I have no idea why they would call my co-worker or how they even obtained her number. Especially after I let them know about my situation and referring them to my attorney. To make matters worse, we work directly next door to their office and they see me walk into work every single day. Why would they not confront me in person? Clearly, I'm not trying to hide, nor can I. I truly believe this is a bullying tactic to force me to pay. Honestly, I feel as though I'm now being harassed. Which is absolutely unacceptable. To be clear, I informed the branch manager on XX/XX/XXXX of my bankruptcy situation. He ( the branch manager ) has been out of the office all week this week. I assume on vacation. I had not received any further correspondence or communications in regard to the loan until today ( XX/XX/XXXX ). His supervisor ( s ) are currently working at the branch in his place, which is even more concerning to me. I believe they disregarded the notes on my account and initiated the phone call to my co-worker. Which was completely unnecessary. I will be utilizing all available resources ( XXXX, FTC, State Attorney General etc. ) to ensure this unethical practice does not continue. Please advise.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NV)

After auditing my credit reports, I discovered that Phoenix Financial Services is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with XXXX XXXX  XXXX, never done any business with Phoenix Financial Services, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$260.00} " open date '' reporting : XX/XX/2020 XXXX
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Mgmt Servicing reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since XX/XX/2015 ( case XXXX XXXX. I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
Consumer complaint received 2022-03-31
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have Mortgage account with Wells Fargo for almost a year right now. I had done 4 mortgage recasts of $ XXXX ( overall $ XXXX ) during last 12 months. 
Each mortage recast in general brings the monthly payment down by around $ 150- {$200.00}. 
I have been asking Wells Fargo to provide me a scientific and mathematical way to share with me how they are calculating my next mortgage payment after each recast but they are not doing it for almost last 7+ months. 
Now i am growing suspicious that something is going wrong out here.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

The Specialized Loan Servicing ( SLS ) representative name XXXX is always upset and talks to me in a degrading manner on each occurrence to discuss my account. She seems disoriented, leaves me on hold for 20mins or more, and provides wrong information regarding my account status. Under a payment arrangement, I have complied with the agreement and made six successful payments on-time. SLS has REFUSED to restructure/modify the loan. I am told, " there is nothing available for your loan at this time. '' Instead, SLS has implemented restrictive payment arrangement where I have to call in each month for payment. I can NOT send a check, money order, XXXX XXXX, or cashier check. I can NOT use XXXX online bill pay. The only way to make a monthly payment is by calling XXXX to provide my XXXX XXXX XXXX ( XXXX  ) checking account and routing number. On XX/XX/2019, XXXX stated, I no longer need to call for payment. I can send a payment by check and delivered by US Mail each month. However, I have repeatedly asked to modify my loan and wrap the past due amount on the backend of the account. The request is standard practice in mortgage lending. XXXX stated SLS is not offering any restructure or modification at this time. I have an outstanding past due of {$25000.00} and I pay {$430.00} every month. None of the payments go towards the past due amount. Instead, fees are applied to the principle and interest. However, the past due amount is accruing interest daily and has a balance of {$29000.00}. XXXX stated I have to continue making payments of {$430.00} each month until the past due is {$0.00}. How? The payment structure is controlled by SLS and applied to the principle. SLS is a PREDATORY lending company. They train staff to attack consumers over the phone to introduced fear and refuses to work with them. I have to REPORT these unfair practices and possibly breaking the law. I have a security clearance, and this matter must be resolved immediately, or there's a possible chance I will lose my clearance.
Consumer complaint received 2022-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (IL)

I received Loan Estimates and Initial Closing DIsclosure 's showing that the Lender of Cross Country Mortgage was collecting 7 months of Property Tax Escrows. At Closing we were informed that the mortgage company changed this to 5 months and proceeded to move on with signing the documents in the file. On XX/XX/2022 I logged into my mortgage company to check something and I noticed my payment increased from {$3400.00} per month to {$3500.00} per month. When reaching out to the subservicer on the website and loan officer I was informed that they failed to collect a 2 month cushion. The mortgage lender is blaming the title company but the mortgage company is who generates the FINAL Closing Disclosure, not title. In addition, the mortgage company is supposed to review documents prior to disbursement and should've caught this issue then as well. Now I am being charged and additional {$1800.00} for this issue. I do not feel as though because the mortgage company closed this loan with this issue I should be bearing the brunt when XXXX  does not require a 2 month escrow cushion. 

While I understand that escrow payments can change, this is far from a change, this is lack of oversight of the mortgage company and the closed the loan WRONG. 

Had I never logged into this account the notice for me would've been less than 15 days from payment date to cover this issue.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

On XX/XX/XXXX, I learned this scam company called LAW OFFICES MBA submitted to XXXX  that I owed {$950.00} although they have never indicated why and I have never done business in Texas. I disputed this via XXXX, but this false debt remains on my report. I have XXXX kids and barely getting by. Please stop this scam. My credit was good before this.
Consumer complaint received 2022-03-31
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.