davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (UT)

On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked Diversified Consultants if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with XXXX. It is still there. I contacted Diversified Consultants on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that Diversified Consultants is  holding my reputation hostage without cause.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MA)

I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to XXXX computers from XX/XX/XXXX which I do n't own and that I was contacted in XX/XX/XXXX and refused to pay. I immediately XXXX the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around {$4000.00} from some company that never contacted me prior to this.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

XXXX XXXX Account Number : XXXX Bal : {$4500.00}
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX " Thank you
Consumer complaint received 2018-06-08
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc. (MD)

My wife applied for and received a reverse mortgage in XX/XX/XXXX and diedXX/XX/XXXX. I then tried to get " non-borrowing spouse '' status with the reverse mortgage company so that I can remain in the home that my wife and I occupied but the reverse mortgage company denied me. They first requested documents from me that they should have had like the insurance declaration page ( I sent that to them 5 times ) and then they asked for a Tolling agreement which I provided. They then said I need to make repairs to my home ( some of which were unfounded repairs ) and then they said they did an appraisal and the appraiser noted repairs inside my home but I had never met with an appraiser who would have had the opportunity to enter my home. They are now saying that I need to sell the home or take a deed in lieu. I have been treated unfairly by this company ( Reverse Mortgage Solutions , Inc. ) and I feel that they are denying me without just cause
Consumer complaint received 2018-06-11
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. (NH)

I called XXXX to activate my new card ( I haven't used the account in over 1 year ) and found out that someone did a live chat on their website to put their self as an authorized user. They referred me to Experian credit bureau to put my social security number on a fraud alert. I did this on or about XX/XX/XXXX/XX/XX/XXXX. It was all voice prompts and I had to enter my social security number over the phone. Another incident happened to me so I called Experian back and did another fraud alert, again through automated voice prompts, and was told again that they would report this to the other credit bureaus. Where I couldn't speak to a live person at Experian, I called XXXX and they told me that they had NOT received any information on my claim. I find this to be EXTREMELY upsetting for several reasons, with all the identity theft rampant these days, I entered my social security information over the phone TWICE with this credit bureau, they are a credit bureau and supposed to help you and they didn't report it to the other two bureaus. They should be investigated to make sure their telephone number is correct, what happens to the personal information that I entered into their system, why aren't they doing their job?!!!
Consumer complaint received 2018-02-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

This debt is in all 3 bureaus collections sections and it is not a valid debt. It is from Hunter Warfiled on behalf of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, CA XXXX. 
I have also requested validation of debt on 10/29/17, through certified letter and did not receive anything back from this company. I then was called 3 times by XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX and was told they did not get the letter, even though it was signed for. I also was told I would be sues and called an XXXX. I then said not to call again and they called my Sister instead. I received one last call from them to my place of employment where they told my boss I was being sued. I am shocked by this behavior and very distressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through XXXX, XXXX and XXXX, shows a collections account that does not belong to me. I believe you have listed this account erroneously and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX XXXX Social : XXXX Account : 1. XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX. {$4500.00} Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

The company did not try to get my money back. I did not authorized the changes. I have a police report. They did not look into the matter. They lied to me. First they said I cant file a claim when charges are pending. Now on XXXX XXXX. They says the opposite. It too late if the changes went thur. Dont care if it was fraud. Your out of your money XXXX. 
Thanks for doing business.
Consumer complaint received 2019-10-02
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. (GA)

Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

I applied for a {$160000.00} loan to refinance my home and payoff some bills. Loandepot XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, was the lender. Loan # XXXX, I closed on XX/XX/2019. I sent a e-mail on XX/XX/2019 to the lender stating that I wish to cancel my loan application, I also sent the Notice o Right to Cancel, on XX/XX/2019 by US Postal mail, and had tracking number to tell me when it is received. The letter was delivered before the mid night deadline. But the company claim that it did not receive the e-mail or the letter.
Consumer complaint received 2019-10-02
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. (NH)

XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (GA)

I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. 

She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. 

She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. 

As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. 

Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX Account Number : XXXX BaXXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. XXXX XXXX Account Number : XXXX Bal : {$480.00} 4. XXXX XXXX Account Number : XXXX Bal : {$1100.00}
Consumer complaint received 2021-04-22
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: ENCORE CAPITAL GROUP INC. (NJ)

It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.
Consumer complaint received 2019-05-13
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: 1st Franklin Financial Corporation (GA)

I can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX  conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me.

These are some painful and regretful errors. They are causing severe backlash from my mortga
ge provider. As a Veteran and a Gold Star member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-1st Franklin Financial Inquiry from XX/XX/XXXX 2-XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 6-1st Franklin Financial Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXXl Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX  23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Citibank N.A. Sold my information to a 3rd party Debt collection agency without my knowledge. 2. The debt that is said owed is incorrect. 3 The account has been charged off since XX/XX/2022 so the information is incorrect. 

By Law and under the Fair debt collections practices, Citi Bank N.A has violated all practices involving collecting a debt. By sharing my information with debt buyers. 

Citi bank N.A. has also violated Taxation evasion. By Law if this account was charged of whether bad debt or discharged it should have been reported to the IRS in XX/XX/2022. 

As a consumer and tax payer i am obligated to report all charge off or discharged debt as income to the IRS. As I did. 

Citi bank has violated this consumer by breaking the laws of FCRA, Bills of exchange, Tax laws of the US.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, PayPal has closed our business account, With a factually proven invalid and completely unfair reason. 

We have been using PayPal for our XXXX XXXX since XXXX, as of XXXX XX/XX/XXXX they closed our XXXX accounts. 

This resulted in a huge loss of revenue and the damages are adding up each day. 

We have been reaching out to PayPal every day since XXXX XXXX and have yet to receive an update on our case. 

XXXX XXXX XXXX ( XXXX ) has been ignoring all incoming emails and hasn't given any reply yet. 

Also the XXXX has been contacted. 


There is sufficient data that the claims that PayPal makes are completely invalid, But they are not looked at. There is 3 years worth of transaction data.
Consumer complaint received 2020-07-13
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. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Trans Union XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX  to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-22
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: Remex, Inc. (NJ)

It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.
Consumer complaint received 2024-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (SC)

Date ( s ) of transaction ( s ) : XX/XX/XXXX, XXXX, and XXXX of 2023. 
Disputed amount ( s ) : {$1500.00}, {$1300.00}, {$4100.00}. 

Explanation of complaint : The dollar amounts listed above were removed from my escrow account in addition to my actual property taxes of XXXX. I received multiple email notifications and a statement showing the transactions. I called the company to ask why so many payments were made. That question didn't get answered. Now the company plans to raise my mortgage to more than $ XXXX a month to replenish my escrow account for the amount that was removed. 

Name of person ( s ) contacted at the company regarding the complaint : I spoke with a different representative on each call. 

Date person ( s ) at financial institution was contacted : Contacted the lender XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/XXXX. 

Response received from the company : The lender acknowledges that multiple payments left my escrow account, but didn't explain why during any of our phone calls. The company and a company they used to collect mortgage payments both told me to get a refund from my county since they believed the management company sent the payments to the county. I went to the county and received a letter from the county treasurer 's office stating that multiple payments were not received. On another phone call the company representative stated for me to go to the county again, and I requested a contacted to send the letter from the county to. I was told they started an investigation, but I still haven't received any updates. 

I don't currently have any legal action pending, nor do I have any past legal actions against this lender.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OR)

My credit with Equifax is supposed to be Frozen. A company was able to run my credit with Equifax. My password is not working to go in and refreeze my credit. I have tried their automated phone system and it is not working. The system is having an issue with the # 5 option. I can't " pass '' their security questions because I have # 5. I have contacted them through XXXX XXXX. I have had correspondence with them 4 times since XX/XX/2021 with absolutely no resolution. I explained the situation to them and asked for a person to contact me because the automated system does not work and I need to either reset my password so I can do it or they need to refreeze my credit. They continue to repeat that I need to go through their automated system. 

I have absolutely no other options and am left with my credit being vulnerable because of Equifax 's, inability to provide a system that works or an option when it doesn't. 

Please help me to get them to assist me in protecting my credit. They have a responsibility and they are completely inept and very indifferent to the risk of my credit.