davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I request verification like the original signed consumer contract from Portfolio Recovery Associates Amount {$4200.00}. I sent them three letters requesting documentation like the original signed consumer contract as required by FCRA, but they never produced it. The only sent a letter the original creditor sold the account to Portfolio Recovery Associates. I sent three letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They could not produce verification of the debit. They said they verified, but Who verified no documentation was sent to me. How did they verify the debit? This is showing as a collection and hurting my credit. In addition I noticed today a second account has appeared as collection in the amount {$6700.00} now I will be starting the process with this account. I have sent three letters to all three credit bureaus as well which I will be filing complaints on as they did not provide the required documentation.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

I had a car loan through XXXX XXXX XXXX ( XXXX ). In XXXX 2011, we had a major hail storm hit our area and car was totaled out by my insurance company. XXXX still has on credit reports that I owe $ 3k. I have sent over a copy of the check from my insurance company along with where they released the title. Credit report states they still say I owe the debt, but sent no proof. I finally talked to someone at XXXX and they were like a " loan shark '' if I pay a certain amount they will take it off. I said " NO '' send me proof I owe it and he would n't. They stated maybe it was from late fees, I asked them why they would let $ 3k it late fees rack up with out repossessing, then they changed it to maybe it was when I XXXX got the car and two days later it broke down and they helped me get it fixed, I advised them that that service was offered to me and no one said I had to pay that back and please send me proof of where they paid that amount to XXXX XXXX XXXX, and he said he did n't have it. I would like this removed from my credit report ( all XXXX agencies ) since they are not willing to provide any valid proof that I owe this debit. Please let me know if you need any further information.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.
Consumer complaint received 2020-08-28
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. (AR)

and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX  XXXX. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXXXXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX  XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX  and XXXX XXXX XXXX for another year.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

Attempted to get an underwater loan on a second home re-financed, including lower interest rate and principal reduction. After 2 yrs. XXXX XXXX has outsourced to Seterus, and we were offered a lower interest rate only. New payment became more than previously, due to fees and interest accrued. ( my spouses business failed & our income declined ) With principal reduction we could afford the mortgage, but they stated this could not happen due to XXXX loan rules. Is this true? We constantly re-filed paperwork that had been " lost '' throughout the years, with no offer ever being made until now.
Consumer complaint received 2018-03-17
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: CITIBANK, N.A. (TN)

XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

I have been a victim of identity theft four times in one year and I have contacted Equifax and sent them the police report and the federal trade commission affidavit and had the complete premier plan with unlimited service and when I tried to update my credit report it says that I have an order in progress so I have to call Equifax to update my report and they most of the time send me all over the place from XXXX to the XXXX special fraud department to verify my info and I did over 50-100 times and sent numerous trouble tech tickets to try to fix the problems numerous times and there solution is to cancel my service instead of fixing the problem. they still collected my money for there service and I did n't have unlimited service. I have stayed and transfer from rep to supervisor and wrote numerous complaints to Equifax and the better business bureau office to consumer protection tom foreslong, Equifax consumer protection XXXX XXXX and no one can help. XXXX XXXX said she does n't deal with the problem. so how can I monitor my Equifax. cause in XXXX I had a fraud alert on my credit report and I took it off and some one XXXX tried to get credit I did a police report and sent it to Equifax. but still have to call even though I have unlimited service and Equifax numerous times instead of trying to fix it they cancel my service but did n't return my money. but still charging me. who else are they doing this to. we have no recourse or help they do n't care they do n't fix the problem. they wont call you. or follow through
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I have been using Venmo for years off an on. My friend sent me money as a favor and when I attempted to withdraw the money it stated that I was unable to do so due to my account being frozen. I attempted to contact their support team and they stated that I would need to send in a photo of my ID to verify my identity. After doing so I was informed that my account had been permanently closed and that I would no longer be allowed to use their products or services. No additional details were given nor has any sort of refund been issued. I now have {$360.00} missing and they stated they *might* attempt to give the money back to me after 180 days.
Consumer complaint received 2020-09-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX i applied for a new credit card named the " XXXX XXXX XXXX credit card '' from XXXXXXXX XXXX. The only reason i applied for this card is because XXXX XXXX said my approval odds were 4/5 chance to get approved. After applying i noticed they declined me for the reason of my credit score being low and too many inquiries in my credit. The reason i am disputing this is because experian has muiltiple inquiries on my account. Which prevented me from getting approved, i did make a mistake on inquiring muiltiple times but i have had credit for over 3 years and never have i missed a payment ever. I have just left my school and started working full-time. I am very responsible and have low balances with excellant credit. I just want to earn the opportunity to increase my credit portfolio without any mistakes. To whom it may concern i hope you can help me remove the hard inquiries on my credit report so i can get approved for a credit card. My current credit score is XXXX XXXX XXXX  ) XXXX ( XXXX ). I have about 20 days to get my experian account fixed so i can re-apply with the XXXX XXXX   XXXX credit card. 
Thank You
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2022-02-12
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. (AZ)

I have contacted Experian and they still haven't Removed these fraudulent accounts these accounts are reappearing on my report after they have been investigated and removed last year i also have contacted Experian about these fraudulent inquires that need to be removed ASAP XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  {$660.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Collection opened XX/XX/XXXX Account type Collection EXPERIAN XXXXXXXX XXXX Credit Bureaus Inquiry date : Credit Bureaus Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

made payment on one credit card, they applied on different credit card. I tried to call multiple times and even open case with Executive Team to apply to right account. There is no one giving clear answer. I decided to close account thinking to get my amount that was paid. They keep saying still under investigation Payment amt : XXXX $ dated on XX/XX/2020
Consumer complaint received 2016-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DE)

My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Consumer complaint received 2016-02-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Heavner, Beyers & Mihlar LLC (IL)

On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX , is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (GA)

My credit is frozen due to past experiences with fraudulent charges and it has taken several painful years to rebuild my credit. During those challenging years the credit bureaus were no help at all. Therefore, it is so important to me to protect the credit that I worked so hard to gain back. Recently, I had an emergency situation and needed to unfreeze my credit. Equifax made it impossible. It was obvious that they would help me only if I had a product with them, but the office to unfreeze my credit was closed. I tried to do it online and received a message that further information was needed despite having my pin. Why are they so willing to place negative information on your credit file and yet so unwilling to help me when I want to protect it.
Consumer complaint received 2022-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (IL)

Consumer Portfolio Services, has failed to provide me with appropriate information about this account. They have failed to provide me with the original instrument of in-debtness. They have also, failed to validate this debt. They have also violated 15USC1666 ( B ).