davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc. (OH)

We were scammed by a contracting company in XX/XX/XXXX for services not received and unsafe/poor workmanship ( XXXX XXXX ). They financed through their lending partner, Aqua Finance. We were never provided a contract stating terms, APR, loan term. We signed nothing with them. They claim the contractors contract with us was also a binding loan contract with them yet nothing is mentioned in that contract regarding a loan or terms of any sort and this was not stated to us by XXXX XXXX  which we would not have accepted. Also, only I signed the contractors contract, not my husband. Aqua Finance also placed a lien on our home which we found out on our own and the only reason we continue making payments. We purchased this home XX/XX/XXXX. We were conned by XXXX XXXX for the incomplete work and our loan was for {$34000.00}. We have made 25 payments to Aqua Finance, and to date, our bill is still {$34000.00}. Monthly payments are {$380.00}. Out of over {$9600.00} we've paid Aqua Finance, only {$270.00} has been applied to our loan. We've learned this is a 9 year loan@ XXXX XXXX daily compounded interest which was told to us verbally by Aqua Finance... again, nothing in writing. 
In XXXX of this year, my husband and I both contracted XXXX placing me in the hospital with a XXXX XXXX and him out of work for 4 months with no income other than social security. We paid for the month of XXXX and XXXX and explained to Aqua Finance we are working to catch up on ALL bills once my husband returns to work on XX/XX/XXXX. I've explained this twice to Aqua Finance and they rudely stated they have no record of my calls and now want proof of hardship and have threatened to foreclose on our home. I've tried reaching XXXX XXXX, the account manager, since mid XXXX and shes yet to return my calls or respond to emails. I want to make a settlement agreement as I believe we have paid well beyond the incompetent project supplied by XXXX XXXX ( the contractor ) and that XXXX XXXX should return the remaining amount of this loan to Aqua Finance. I also do not believe this to be a binding contract as we've signed nothing with loan terms and nothing with Aqua Finance. The contract with XXXX XXXX  is also invalid as we both did not sign nor did they live up to their contractual agreement. We would also like to know where all of the 25 payments @ {$380.00} have gone since only {$270.00} has been applied to this loan. We are seeking your assistance in removing the remaining balance of this loan to Aqua Finance as we do not see how this can be a valid loan, and also, they are reaping our payments unlawfully, threatening to take our home, harassing us during a time of hardship and illnesses, and just plain scamming us for money we should not owe them. Over {$9000.00} unaccounted for to them. They should be in jail and put out of business. Thank you so much for your time and efforts in assisting us to resolve this nightmare.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXXXXXX XXXX
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Thursday, XX/XX/2022, I opened a TD Beyond Checking and TD Savings account in branch at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as I received a mail offer with bonuses for account opening and fulfilling a variety of criteria. The criteria for the savings account was to deposit {$10000.00} in the account within 20 days of account opening and maintain the balance for 90 days. 

Naturally, I linked my other external accounts to the TD accounts for transfers ( some of my accounts were older, so it would be good to concentrate my funds in a more central account ). I made a variety of transfers in the first week or so my account was open to work toward the {$10000.00} balance. Along the way, I made an internal transfer of {$6000.00} ( most of the available balance indicated in my online banking ) from the TD Checking to the TD Savings account ( as some of my external accounts could not connect to the savings account, so I deposited to the checking account first ). 

On XX/XX/XXXX, I found that a deposit from one external account was rejected with no explanation ( I already verified with trial deposits ). On XX/XX/XXXX, I was locked out of the external transfer feature altogether. On XX/XX/XXXX, I was locked out of my account with no access to my funds. Then, two deposits were returned to the original accounts, and deposits from two others were frozen and removed from my available balance, leading to the {$6000.00} internal transfer mentioned above somehow causing an internal overdraft with a fee. 

Throughout the week, I have called TD customer support, and they have been exceedingly unhelpful, unable to restore access to my bank account or give me access to my funds. I then went into the branch on Thursday, XX/XX/XXXX, and they were unable to restore access as well, though they did take in the request to review the account.
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (MD)

I applied for a mortgage on XX/XX/2021. I submitted all requested information under the impression that I would receive a pre approval within 7 days. I have called the office and emailed them with no success. They gave me a hard inquiry on all 3 of my credit reports and failed to offer me a product, an approval or a denial. I want the inquiries removed from my credit report.
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC (AL)

I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.
Consumer complaint received 2020-10-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Investigation & Recovery Assoc. LLC (OK)

Investigative Services claims I owe {$640.00} from an unpaid loan with XXXX XXXX XXXX. The first gentleman that called me claimed it was over {$700.00}, they have given me 2 separate dates one in XXXX and one in XX/XX/2016. I was very skeptical because I know I have never taken a payday loan that large and they are also inconsistent with the dates and amounts owed. I called XXXX XXXX XXXX and they advised me that my last loan with them was in XX/XX/2016 for a little over {$300.00} and was paid in full. I repeatedly asked for something in writing, after multiple attempts I got a form that is clearly a template with misspelled words on it and has a different amount than what was verbally asked for. I have asked for solid proof and they are not providing it nor emailing me back to answer my requests. They also are past the statute of limitations. I have advised them this sounds like a scam, They have called me 3-4 times in an hour, to the point I had to block their number. They have repeatedly called my mom 's phone. They do not leave voicemails. They have yelled at me to pay my bills when I have asked for proof. They have hung up on me when I said it sounds like a scam. I have never had a debt collection agency act this way. I believe this is a scam, they can not provide solid proof.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (NC)

XXXX called my daughter and threatened to have me arrested over a sum of {$XXXX} hey are claiming i owe in back rent. XXXX insurance sold my information to a third party going against the HIPPA law.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOLEDO FINANCE CORPORATION (TX)

Toledo Finance Corp in XXXX Texas has continuously called my job on a weekly bases. 2 times per week since XX/XX/XXXX - XX/XX/XXXX. I have repeatedly asked the Loan company to please not call me job, but they continue to do so. Toledo agents are calling from different office numbers & personal cell numbers. Yes, I have loan but I'm unable to pay. The company is aware but continues to call my job.
Consumer complaint received 2019-05-29
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. (OH)

There are accounts on my credit report that does not belong to me. I have reached out to each credit bureau several times via certified mail and have not received the proper responses timely and the accounts are still effecting my credit in a negative manner.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (GA)

This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.
Consumer complaint received 2021-02-23
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. (TX)

The three CRA along with third parties have failed to rectify erroneous and fraudulent information contained in my report and have continuously allowed access to my report without valid need. The CRA and their third parties and creditors are paying clients whose parroted information comes before the consumers even when I have submitted proof. The CRA has ignored my documents providing my personal information such as my address and have over 34 name and addresses variations of which they are allowing, they have ignored all documents of payment and have allowed creditors to change payment histories and reage old debt and even allow late payment reporting before thirty days late- even after fraudulent activity. This is unacceptable. The CRA has failed to verify, investigate and/or delete fraudulent or erroneous information along with allowing these companies to access my report for several years and have violated FDCPA & FCRA.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Midwest Recovery Systems (TX)

On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXXXXXX XXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check that was signed over to me and had the amount in my account to cover what was immediately available and by the time the full amount was available would also have that to cover. Apparently they didn't like the way the check looked however when I went inside the branch AFTER THEM FREEZING MY ACCOUNT and giving me no access to even my own personal funds the banker said there didn't seem to be anything wrong with the check and doesn't understand. So for weeks my money was held up with no explanation nor would they tell me any of my options if any at all amd due to this I have become behind and charged late fees, behind in rent, insurance, utilities etc. Not to mention no gas money for work or to get materials. Then when all said and done they took the check and then canceled me from the bank completely!! I have spoken to many people who bank with this bank and never in this very situation had their OWN money frozen it's not right and caused a lot of confusion and unnecessary issues.
Consumer complaint received 2021-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AR)

I sent Medical Revenue Service for acct # XXXX ... .. two times XXXX and XXXX a validation letter each time this company has failed to validate my debt. Instead they sent a itemized statement of my medical records which I know is a direct violation of Hippa regulations. I never signed a hippa form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc. (GA)

I have been receiving repeated and early monring calls from Medical revenue services - phone numnber XXXX regarding medical debts. As a student I am trying to make arrangement to pay my medical bills since I have no job. I called them back on XX/XX/23 the company and asked for information to contact the hospitals- since the name of the hospitals provided did not match my records of whre I obtained care. The representeative was very insultive - telling me that since I assume to be a student, I should know that XXXX XXXX and XXXX hospital are the same. That I shoyd have settled my bulls to avoid XXXX calling me. 
She would not proivide the th information I requested, but just kept talking down at me and would not listen or address my request, so I hung up. They just continue to harrass me and I am afraid of taking any calls. 
Please help.
Consumer complaint received 2021-04-26
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. (IL)

I am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-20
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: Convergent Resources, Inc. (AR)

I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 (  Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nevada Credico, Inc. (NV)

I received a phone call from Quantum Collections on XX/XX/2020 and was left a general message to contact them back. I have received zero contact from them as of todays date. 

When checking my credit report today I found they have reported this debt to all three credit bureaus as of XX/XX/2020. The creditor they have listed is to a doctor that I saw last year, to my knowledge this doctor was paid in full. 

As of todays date I have yet to receive any initial communication from this collections agency regarding this account as required by the FDCPA. They have now reported to three credit bureaus information I dispute as inaccurate a violation of the FCRA. 

Despite having never consenting to electronic communication out of courtesy to this collection agency I did check all of my emails to verify they didnt send the initial demand by email and found no communication. I do receive daily emails from the postal service with mail being delivered, as such I do have documentation of proof they have never sent a initial notice prior to commencement of collection activity and credit reporting. 

This is both illegal but it is causing me injury ; had they complied with the law I would have promptly disputed the information and if the account is shown to be valid would be happy to arrange payment.