davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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: Home Loan Center, Inc. (FL)

On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but XXXX pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company XXXX did a hard inquiry with no authorization.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have disputed a fraudulent account for XXXX XXXX XXXX twice with Equifax and both times they have stated the account to be verified. As I mentioned in both my disputes that the account is fraudulent in nature which was never opened with my permission or knowledge. XXXX  and XXXX both deleted this account almost immediately. As of XX/XX/18 I filed an Identity Theft Report with the FTC. Equifax does not reply to mailed in disputes with proof so I am disputing this account by a means of the CFPB. I have included my Identity Theft Report, Letter to Equifax, copy of the FCRA 605b, copy of my Drivers License, copy of my Social Security Card, Proof of Residency and copy of recent Equifax Credit Report with the Fraudulent Account highlighted.
Consumer complaint received 2018-03-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (MI)

Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.
Consumer complaint received 2018-07-20
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. (OH)

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (CA)

On XX/XX/XXXX I began receiving texts stating that my payments were due. Originally, I assumed this was a wrong number text since I had not applied for anything through XXXX. But on XX/XX/XXXX I received a text stating that I was past due on a payment and using my maiden name. On the same day I also received a phone call and a voicemail stating that they needed to speak to me urgently about business matter. When I called back the customer service line I was told that I had an account for a payday loan, And my account was past due. Customer service representative stated that the account was linked to a XXXX XXXX checking account and the checking account was no longer active with enough funds in it. I do not have a XXXX XXXX checking account. I called XXXX XXXX and they were unable to find a checking account in my name or with my Social Security number.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX XXXXXXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three credit bureaus.
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : Harvard Collection # XXXX {$780.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing. 

XXXX XXXX SS # XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021, I requested this credit reporting agency to remove several names and addresses on my credit report that I have never been associated with. They have removed some names however there are addresses still reporting on my credit report.
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

My daughter had a balance from XXXX XXXX XXXX for service on XX/XX/XXXX. The amount ( XXXX ) was paid in full on XX/XX/XXXX. I was sent to collections despite having paid the debt. XXXX XXXX XXXX XXXX company ) provided XXXX XXXX with proof of payment. On XX/XX/XXXX, I followed up with XXXX XXXX because I had not heard back from them as they had promised. I was told that the payment had been applied and that the balance was paid. I was put on hold after asking the representative to contact the collection agency to let them know the debt was paid. 

I received another collection notice on XX/XX/XXXX for the same bill. I called XXXX XXXX and was told that the representatives can not talk to collections, but that the balance had been paid. I was transferred to a supervisor who said that the representative I had talked to on XX/XX/XXXX was not able to talk to the collection agency ... why was I on hold all of that time? ... but that she would try to contact them. 

I have had several agents over the last few months recognize that payment was made and that the debt is clear, and yet it is affecting my credit. I need help! I paid this bill, and I should not be in collections!
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (WI)

So this originally started with an unpaid bill to XXXX cable company supposedly on XX/XX/2018. I 100 % know this to be inncorrect and could not possibly be from myself because I was in jail at the time of this apparent bill. Since learning of this fraudulent debt I have tried to communicate directly with waypoint resource group. Which is the debt collection agency/company who have taken the debt collection over from XXXX. I have tried calling and emailing them, but I have had no luck from either method. Also, their phone number doesn't even work anymore. I then went through the process of filing a credit report dispute which got denied however I was unaware that I needed to send my reason and documentation for how I knew this wasn't me. Which is why I suspect they turned down my request. Cause I didn't include the fact that I was locked up at the time or that I thought it was due to identity theft that this action occurred. I am almost 3 years clean and have been working very hard to get my life back in order. The one thing that is left is getting my credit score and report in order so that I can have a credit card and apply for loans since I intend to go back to school and also eventually buy a house. I would appreciate any and all help in this matter. Thank you very much.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have filed a suit against XXXX for leaking my personal information in their XX/XX/XXXX security breach, as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XX/XX/XXXX XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XX/XX/XXXX data breach.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I have disputed this account multiple times with Equifax, the last dispute was over 30 days and with that being said I have the legal right to ask that this account be deleted from all three credit reporting agencies.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This isnt my account and transunion is allowing this company to raise an increase of {$250.00} weekly. I dont own this account and its being reporting weekly on my account as late by {$1000.00} a month.
Consumer complaint received 2020-11-26
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. (NH)

Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.
Consumer complaint received 2022-08-12
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 (NJ)

There was fraud on my credit card in the amount of {$10000.00} I paid not knowing it was fraud they did the investigation and found it in my favor and told me on XX/XX/XXXX that the investigation was closed and I can ask for a refund for my over balance of {$10000.00} they told me it would take 12-14 days which is today on the XXXX of XXXX I spoke with the fraud team and they told me it was found in my favor and I can request my {$10000.00} refund I did now they are holding my money using it for new charges but wont issue me a refund for the {$10000.00} after they told me everything was done and my refund would be issued today XX/XX/XXXX I paid my mortgage my car everything because I was promised my refund now they are denying it making everything bounce in my account
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2020 I placed an order for a new XXXX with XXXX. During the checkout process I was offered an XXXX XXXX XXXX for interest free financing. I decided to apply for this card during the purchase. I began the process on my personal phone ( but purchasing for my wife ) but during the trade in process, it seemed to want to trade MY device, not my wifes. To make this process easier, I switched to my wifes phone to complete the purchase and apply for the XXXX XXXX XXXX. I put all of MY information, had to send in pictures of MY drivers license, proved MY phone number, MY social security number, and Goldman Sachs ran MY credit. Nowhere during this entire process did it mention that I need to use MY device so it is linked to my XXXX ID and phone. After the purchase I noticed I could not add the card to my phone. I contacted Goldman Sachs who told me I was unable to add MY card to MY phone. It will forever only be accessible via the physical card or my wifes phone. They are not able to switch the email associated with the account! So now I have a credit card with a financing agreement in place for TWO YEARS before I can close the credit card, but I cant even see my bill for my credit card which reports to my credit report on my phone. Apparently there isnt any way to even pay your bill outside of the linked XXXX ID. How can this be legal? How is this right? What if I had used a public phone to complete the purchase without any warning from XXXX or Goldman Sachs that any random person would have full access to my credit card and account info, but not me.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: DISCOVER BANK (CA)

XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

I have tried repeatedly to contact this company, I've constantly got transferred amongst agents that still couldn't assist me with the information I was inquiring about. This account is unfamiliar to me and I have disputed this account a numerous amount of times from all reporting agencies! This company has tarnished my credit due to an unrecognizable account.
Consumer complaint received 2020-10-25
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)

DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was XXXX in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers credit report.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC (AZ)

IDS has been contacting my aunt about my debt. they have contacted her via phone and text message repeatedly, most recently on XX/XX/2021 by phone and XX/XX/2021 by text. I spoke with the debt collector on XX/XX/2021 and asked them to remove my aunts number from their list as she has no right to my private matters. They have never had an issue contacting me and have my contact information.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

in XXXX of this year, XXXX our loan was once again sold. we were previously accepted by XXXX XXXX for a modification in XX/XX/XXXXXXXX with no notification were sold to Shell Point Mortgage. we have been working with the XXXX XXXX XXXX of XXXX XXXX with a contact of XXXX XXXX. she has multiple times along with myself reached out to shell point for assistance in litigation department. months after the purchase we were given a point of contact finally. all paperwork was sent over and over again and sent to underwriting. the income was not correct, they had an old employer never included the profit and loss income and when questioned only apologized and asked to restart all over again. we complied. resent all current paper work. each time we send in new paperwork, something else is now needed. for the last 4 weeks myself and XXXX reached out to shell point to find out where the modification stood. no response. when finally onXX/XX/XXXX shell point finally reached out, they said because three weeks had past we again needed to update. they said that they were affected by the floods in texas and were unable to contact us. on XX/XX/XXXX i resent updated documents, once again no contact back. when we finally spoke with someone after leaving 3 messages, on XX/XX/XXXX XXXX days after last contact, not only were the updated income needed 2 forms now were also in need of resending that were on XXXX on recorded line told to us were in tact and accepted.not once in any of this time were we told about a sale date or sent documentation of this. today on XX/XX/XXXX there was an auction. we are to be homeless, we have tried to work with this company along with the attor. general office to modify this loan. given the hardship we faced with no intent of them ever working back with us. all we want to do, is modify the current loan and keep our children safe. please let us know how we can do this.
Consumer complaint received 2020-10-25
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. (OH)

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX