davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Consumer complaint received 2021-10-03
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. (AL)

I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.
Consumer complaint received 2017-05-09
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. (PA)

I wrote  XXXX , Experian,  XXXX  on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX   companies and wrote them.nothing is better done, I do n't think its fair that mh y credit score k eep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   XXXX  for {$1400.00} not off  XXXX   XXXX  bank {$490.00},  XXXX  company for a car loan {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I believe the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (WY)

I have repeatedly tried to contact XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. XXXX tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called XXXX again this morning ( XXXX XXXX ) and was informed that they had been sold to Resurgent Capital Services. I was able to speak with a supervisor at Resurgent who informed me that I would still have to pay via XXXX, but all of the phone numbers for XXXX go directly to Resurgent. After calling a third time to Resurgent, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
Consumer complaint received 2016-06-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (MN)

Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

My PayPal account received an email notification of withdrawal, but the withdrawal could not be completed. I contacted PayPal customer service several times, and uploaded the identification documents according to the customer service instructions, but the account still can not be withdrawn. PayPal customer service said : Due to system security restrictions, I need to wait, I am very angry. dishonest company.
Consumer complaint received 2016-04-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC (VA)

Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

On XXXX/XXXX/XXXX Fay Servicing assumed my mortgage from XXXX XXXX XXXX. On XXXX/XXXX/XXXX, Fay debated my escrow account {$1600.00} tax disbursement presumably for the XXXX XX/XX/XXXX property tax installment due to XXXX XXXX County on XXXX/XXXX/XXXX. However, XXXX already made the {$1600.00} tax payment on XXXX/XXXX/XXXX prior to transferring my mortgage account to Fay. This information was provided to Fay by XXXX with the loan 's transfer document. Fay caused a double payment to the tax collector. I have contacted the XXXX XXXX County Tax Collector to inquire about the double payment and was informed that : ( 1 ) they have no record of over payment ; ( 2 ) They only have a record of payment of {$1600.00} from XXXX and no record of any {$1600.00} payment from Fay for the XXXX/XXXX/XXXX installment. Fay took {$1600.00} from my account under the pretext of tax payment and kept it to itself.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NV)

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Synchrony via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NJ)

I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong.
Consumer complaint received 2020-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I HAVE FILED MULTIPLE COMPLAINTS OVER THE COURSE OF SEVERAL MONTHS! 

The CFPB has failed to make Equifax resolve my original complaint : XXXX. Not only has Equifax ignored me, but CFPB has ignored me -- for an entire month. I assume the CFPB staff is teleworking. If so, ignoring my complaint any longer is not acceptable. If this complaint is not resolved by COB on XX/XX/2020, I will contact CFPB management, as well as Equifax senior management. I have the email addresses. It is my right to access my credit information and it is especially important during these times. I expect this to get resolved and for Equifax to stop ignoring and delaying.
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX/XXXX/2016 at XXXX EST I got a call in reference to my late car payment with Hunting bank from phone number XXXX. I paid the car payment hours earlier today and before the representative called. The representative started giving out my personal information including year make and model of my vehicle and past due/payment amounts before they had officially verified it was me on the line. They literally asked If I was ( my name ) I said yes, did not ask another question. If it had been anyone else on the line they would have continued the discussion giving out my personal information but I informed them I was upset and they told me that this is how they do business and they did nothing wrong. No apology or anything.
Consumer complaint received 2022-01-04
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 — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group (OK)

On XX/XX/2021, at XXXX a.m., my representation contacted CKS Financial via Velocity InvestmenXXXX ( the new company that held my debt collection account ). My representation negotiated a settlement for a pay for delete. Velocity Investment told my representation that it will take approximately 60 days for this to update on my credit report. This account is still on there. 60 days was on XX/XX/XXXX. On XX/XX/XXXX, my representation contacteXXXX Velocity Investments and they told my attorneys they its still processing. Can you please help with this matter.
Consumer complaint received 2017-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (NJ)

I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Moneytree Inc (NV)

Due to a loss in income, I wrote to Moneytree through the account message center advising of my inability to make payments and advising I was withdrawing my authorization for automatic ACH withdrawals from my bank account. This was done on XX/XX/2021. This was followed up with an email on XX/XX/XXXX reiterating the withdrawal of my ACH authorization. Despite this notification Moneytree debited two payments in the amount of {$200.00} from my bank account on XX/XX/XXXX for a total of {$400.00}. This caused my bank account to overdraw and be charged overdraft fees of {$70.00}. 

I emailed Moneytree on XX/XX/XXXX advising of this unauthorized withdrawal and again notifying of the withdrawal of my ACH authorization, and of the fact they caused my bank to overdraft. 

Despite these multiple notifications once again on XX/XX/XXXX Moneytree debited {$200.00} from my bank account.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (FL)

This account was opened in my name in XX/XX/XXXX the debtor saying I opened this account in XX/XX/XXXX a a false statement I been fighting with this for XXXX years. Jeffcapsys {$3500.00} Opened XX/XX/XXXX
Consumer complaint received 2016-12-02
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (NC)

I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (IL)

I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2022-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never been late on a debt and have an excellent payment profile. Transunion lowered my credit score -XXXX points  reflecting my credit character as poor causing other creditors to react adversely. There were no missed payments, no over the limits, no collections or bankruptcy. There was no change or apparent adverse info that would cause such a negative change. This has caused me to lose income due to employers ' requirement of maintaining good credit profile. Transunion refuses to correct and address the problem. I know of consumers that have judgements and bankruptcy that have higher scores?
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Consumer complaint received 2022-01-04
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. (TX)

The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!
Consumer complaint received 2021-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I  had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.
Consumer complaint received 2017-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

On the evening of  XXXX  spoke with a loandepot rep. about refinancing home. Allowed rep to charge my card for credit report. Was asked to submit documentation such as  XXXX , pay stub, bank statements. Which i did not, wanting to look over terms and conditons. After looking over terms and conditions. Contacted rep via email and phone notifying them i was no longer interested in their services  XXXX  in early am. At  XXXX  pm loandepot still charged my card  XXXX  for an apprasial. Contacted rep again to clarify me not wanting the refinance.  XXXX  in early am receive an email with document asking me to sign and lock in agreement
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion on several of occasions to remove the address they have on file on my credit report for XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please note that I have never ever used this address, I dont know anyone at this address and I should have never ever had any sort of bills at this address. My current address since 2002 and to present is XXXX XXXX XXXX, XXXX, IL XXXX.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Bank Of America Account. After a while I noticed that this moneys were never deposited so I contacted Bank Of America customer service to search for this deposit. After lengthy phone calls I received a letter from Bank of America instructing me to bring the original check to the Bank Of America physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from bank of America stating that Bank of America debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Bank of America the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Bank Of America and they are claiming that I mobile deposited it in XXXX!