davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: DISCOVER BANK (UT)

Discover bank is reporting late notations for XX/XX/20 and XX/XX/20 and I would like them removed. During this time I got XXXX and fell extremely ill. I was out of work for over 3 weeks. Once I was finally able to go back, I had to pay the absolute necessities as I am the head of the household. It took me a couple of months to finally recover financially and I tried my very hardest to pay all my dues. I do not expect them to waive fees but it would be of great help if Discover bank could make a goodwill adjustment of these lates as I am now trying to buy a home. I have been punctual since and this would be a great help.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MA)

I received a text message claiming to be from Equifax. The message came from XXXX. The body of the message read : FINAL FEMINDER : EQUIFAX Has Flagged Your Account For Unusual Activity. Last Day To Resolve, XX/XX/27 XXXX XXXX XXXX I didn't click the link. I never received any type of communication from Equifax for this to be a final reminder of anything. By conducting a search on Equifax I was able to find the phone number the text was from doesn't match their exchange. Some people may click the link in a message like this. Please stop whomever is behind this from pretending to be Equifax.
Consumer complaint received 2020-07-14
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: Freedom Mortgage Company (CA)

I chose to make 2 payments to cover XX/XX/2020 mortgage payment with additional money going towards principal. On XX/XX/2020 I submitted a payment for {$2200.00} to Freedom Mortgage. I made the second payment on XX/XX/2020 of {$1700.00}. This would be a total sum of {$4000.00} to cover my mortgage payment of {$2900.00} + {$1000.00} towards principal for XX/XX/XXXX. The system interpreted differently and directed all {$4000.00} toward principal bring my mortgage balance to {$420000.00}. I immediately called in and it was modified bringing my total balance to {$430000.00}, but they had reported the balance of {$420000.00}. The next month when my credit report was updated, my credit score went down significantly stating my balance increased for Freedom Mortgage by more than {$2000.00}. 

I submitted a dispute to XXXX  but did not see my credit report updated. I would like my credit score to be updated accordingly. I share the mortgage with an individual and that individual 's credit score was also negatively affected. We both expect this to be fixed with an update to our credit scores. 

I was not delinquent or late on my payment which would have caused a negative impact on my credit score. This was all caused from wrong information being reported.
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (FL)

On XX/XX/XXXX, I purchased a puppy at XXXX in XXXX, FL. In order to complete the purchase, I required a loan which I obtained via LendingUSA. The loan was made online in XXXX using their computer. I opted for the interest free loan if paid off in 6 months. I paid my 1st payment on XX/XX/2021. I owed {$170.00}, but paid a little less than 1/5 of my loan. My first payment was {$1000.00}. To my shock, only {$950.00} of the {$1000.00} payment was applied to my principal balance. According to the terms of my loan, I should not be paying any interest. I called the company on XX/XX/XXXX, and was told they are charging me interest and will return it IF and when I paid off the loan in 6 months. This is NOT the terms of our agreement. I called again on XX/XX/XXXX, and was told after supplying both my social security number and loan number that they could not find my account. As a result, I mailed a letter to their billing department in XXXX, TX on XX/XX/XXXX, using priority mail. In addition, I called XXXX XXXX ( the division of XXXX that services FL ) and started a claim with them. I also emailed them a copy of the letter I sent LendingUSA. I want LendingUSA to honor the terms of my loan.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? 

I was sent a list of charges from enhanced recovery XX/XX/2020. 

Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. 

I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. 

Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.

I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (MA)

Associate Credit Services , Inc. contacted me to pay a XXXX XXXX balance that I had forgotten about and they told me that I can pay a portion at the time and be all set. They did not however tell me that they will keep reporting to the credit bureau that I am delinquent until the remaining balance is paid in full. They ceased all communication attempts since then - about four or five years now. Now that I can monitor my credit report, I found out about it and I took the initiative to call them. They only had an answering machine where you can leave a message. I went to their website and tried to pull my information in order to pay online, but the portal showed the following : Creditor Name : XXXX XXXX Account Balance : {$0.00} Amount Paid : {$0.00} There's no way to resolve this but they keep on damaging my credit score.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (FL)

JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging report.
Consumer complaint received 2016-12-20
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I attempted to refinance my mortgage. I was emailed documents to sign electronically to continue with the loan process. In the documents it stated a XXXX dollar loan amount instead of the XXXX dollar loan amount. The company refused to correct the issue and told me to just sign the XXXX dollar document.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-14
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. (NY)

I have reached out to XXXX XXXX around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that Experian had listed on my credit report, that I'm missing a payment with them. XXXX XXXX had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to Experian many times about this inaccurate data they are reporting but they refuse to resolve this issue.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account : XXXX XXXXXXXX XXXX XXXX  act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery calls my cell phone every single day using a different calling number each day. I have approximately 30 different phone numbers they have called me from. I have a list of all the numbers that I can give you. I have repeatedly told the representative three different times to stop calling me. They ignored my request and continue calling me every single day, this is harassment to me. Further, I will take legal action if they continue.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I received a payment on my child support card from my ex husbands stimulus check. Since i had not received a payment in years the card that i have at home was expired, which automatically generated me a new card. Well i never received the card. I call twice about not receiving the card. On Friday XX/XX/XXXX I called and requested the card be express mailed since i had been waiting for my card that was allegedly sent XX/XX/XXXX according to the website. The gentlemen told me that it would be {$14.00} and some change and I would have my card on Monday. He also stated that I would get a tracking number. Well neither happened but they did charge me out of my child support and still did not send the card. I need my money and it is illegal for them to hold it XXXX the way that they are.Now my accounts listed a fraud and I can not log in or call anyone about it because it says they can not connect me. Can you pleas help me?
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NE)

I looked on my XXXX XXXX  app and noticed that a credit card had been opened in my name. I immediately disputed it and said that it was not mine. It was charged initially XXXX dollars and then months later I was charged another XXXX dollars to the account at which point I called Barclays Bank Delaware and told them that it was not my card and was told everything would be settled. I then noticed today XX/XX/24 that my credit score dropped by over XXXX points.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC (DE)

The company has violated my consumer rights pursuant to 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent. Illegally trying to collect a debt while being a third party debt collector.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group (NJ)

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Following disputing the debt the company continued to operate in bad faith. They did an investigation in which was reported to my Credit report and they sent documentation to the credit bureau and merely documented that I dispute the debt. However, they did not provide documentation that proves they did meet their legal obligation under the Fair credit reporting act. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times XXXX - XXXXXXXX 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 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 XXXXXXXX
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PlusFour, Inc (PA)

I wrote a letter to PLUSFOUR because I saw an account I did not recognize on my credit. That letter dated, XX/XX/2021 was returned to me! That can not be! I sent the letter to the address reported on my XXXX  report on XX/XX/2021. They did not have their proper address reported to XXXX! That violates the FCRA! PLUSFOUR, who is a data furnisher, must report 100 % factual information about me to the credit bureaus! They have clearly failed! They can not even report their own address correctly! It also violates my right to dispute an account as granted under both the FCRA and FDCPA! I demand justice right now!
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (MI)

At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

I did not file this ch XXXX bankruptcy, nor are these medical bills mine. There are addresses and names listed that I do not recognize. Someone must have my information. Please remove it from my credit profile.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC (MI)

Green sky completed a loan in my name fraudulent and sent stuff saying that I signed I did not and they have harassed and threatened and called. Me. They never sent anything or agreed to. The company that did loan for air condo for ex daughter in XXXX XXXX XXXX is responsible for loan. They all fraudulently signed documents have recording from company. They are placing loan that is not mine on me. They are supposed to be directly deducting payment from their bank account
Consumer complaint received 2021-08-07
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. (FL)

I am disputed that Equifax is reporting inquiries that is over 2 years old which should have been deleted ( XXXX ) they responded that they need proof of my identification which I am now uploading.XXXX
Consumer complaint received 2019-05-14
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. (GA)

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-PRIVATE CRED, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$230.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the BBB as well. XXXX and XXXX have validated and removed accordingly.
Consumer complaint received 2021-02-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants and medical are trying to collect a student debt from a local college from me the debt is less then XXXX dollars they call multiple times a day including the weekends i have spoken to them several time to explain that i do not have the money at the moment but fully intened to pay back the debt to the college directly. I habe spoken to the college about this Today they call me and I am once again explaining this very politely and then begin to question me about my employer. I tell them I am not comfortable giving out that information to which the debt collector replies that they will find out and do what they have to do on my end. I will not be able to pay a debt if i get fired after they start harassing my employer. I need help to stop them.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

I have been working on my credit for the last year or more to get my score higher, I monitor my credit and my mail daily. This company Commonwealth just posted a collection to my report without sending me a 30 day notice letter to either dispute the claim or settle it. I have not spoken with them nor have they sent me anything in the mail at all. Had I had been given this opportunity I would have taken care of this one way or the other before the collection ever hit my report.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/2019 during a phone conversation with FHA representative the Real Estate Settlement Procedures Act was brought to my attention. Specifically, that all borrowers are entitled to an itemized statements of actual settlement costs. The one I received is for lack of a better word a joke. ( See Attachment # 1 ). I contacted escrow/title officer XXXX XXXX at XXXX XXXX XXXX via email and requested she give me an itemized settlement showing who was paid and how much and was was paid from cash to close and what was to be paid from the loan amount. She directed me to contact the servicer.