davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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)

Equifax has continued to report inaccurate information on my credit report. I have two accounts that were discharged in bankruptcy and for the longest Equifax reported the accounts as opened with one account showing a {$57.00} balance and the other account showing a {$350.00} balance. After dispute after dispute equifax finally updated both accounts as " in bankruptcy '' and not " discharge in bankruptcy ''. They also continue to report both accounts as open accounts without showing a XXXX balance. I opened up a dispute on XX/XX/XXXX for equifax to update information or remove accounts from my credit report. I was told that I would have my results by XX/XX/XXXX. I noticed the accounts were still reporting on my credit report with the same information and also still showing in reinvestigation. I called Equifax to check the status and was told that I reopened an investigation on XX/XX/XXXX, so I wouldn't have any results until XX/XX/XXXX. That was a lie I never called or spoke with anyone from Equifax on XX/XX/XXXX. 
I was told that information by XXXX ( XXXX ) Id number XXXX XXXX office/officer of consumer.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (IL)

I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Yes I have had fraud and identity theft committed in my name and I have accounts and bankruptcies open in my name I want them removed please due to I dod not file anything in my name and I have filed a report with the federal trade commission I will send that report and proof I was in jail thanks
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit has sued me for remaining credit card debt even though I have filed for hardship program thru them and made them aware I am unable to pay anything and that I am a XXXX person who received XXXX and therefore am judgement proof as my wages are protected by federal law. Judge even heard it and said the case is going to trial in court.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Weinberg Mediation Group LLC (AK)

Multiple automated calls from " Weinberg Mediation Group '' since XX/XX/XXXX claiming of taking legal action against me with no reference to what the actual case was and no option to speak to a representative. 

On XX/XX/XXXX I awoke to an automated call at XXXX. Agitated, I called back and spoke to a representative. They told me they were calling to collect on a debt I had. I informed them that they were in violation of the Fair Debt Collections Practices Act. They replied it should be XXXX where I lived and I told them that was incorrect and that I live in Alaska. They attempted to defend their automated call by claiming they have an Arizona phone number and address on file for me. I told them that was irrelevant because my new address is publicly available via credit report and it 's their responsibility to verify information prior to calling to ensure that they 're not in violation of the law. Representative claimed to take note that I lived in Alaska and I ended the call. 

On XX/XX/XXXX, I received yet another automated call prior to XXXX, XXXX XXXX to be exact. Called the number back and attempted to abrasively tell them that it was the second time they were in violation of FDCPA and if it happened a 3rd time I would pursue whatever action I could for them being in violation of the law and harassing me. The representative proceeded to talk over me eventually stating that he was " was moving forward with the case against me '', " good luck '', and proceeded to hang up on me.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

I recently went thru a loan modification with Stonegate mortgage company. The payments increased, almost XXXX a month. Which I told my servicer this he said I could do a short sale. I signed the paperwork because I wanted to keep my house. This process took months, so by the time I finished with it I was drained mentally. The stress was to much and not to mention my loan processor XXXX, was useless. I would call XXXX or times a week and get no return phone calls. So after I signed this new paperwork, thinking my payment was XXXX from XXXX, I received a phone call saying Your payment now is going to be XXXX we are adding the back escrow in and need you to pay it off. So that puts me at XXXX a month. I once again told them I can not afford this, so they said okay will split it up for 24 months so your payment is XXXX I feel this was totally misrepresented by Stonegate Mortgage. There was no mention of this happening when I signed the loan modification paperwork. Here I sit again behind on my mortgage again. I can not afford to hire a lawyer to help me with this. I talked to HUD, they said a complaint needs to be filed there should be protection for future customers. This loan is a USDA loan in which I contacted them but they could not help me.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I received the platinum card from Wells Fargo. The payments were being taken out of my checkings account monthly and on time. The company explained that I was approved for an upgraded card with a larger limit. The company closed the account because they said it was nit activated by me in a certain time frame. I did not receive the card to activate it. I have paid the full amount owed which was {$860.00}, and there is no balance due.
Consumer complaint received 2018-01-16
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. (TX)

cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not mine idtheft victim
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have had fraud and identity theft accounts were open that I did not authorize by a family member, I was XXXX  and I have proof, I will upload my XXXX dates and I have filed a report with the federal trade commission, I will like for these things to be removed from my credit report due to I was XXXX XXXX and did not give permission for anyone to open anything in my name
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I did everything needed to prove that this was a result of fraud and not on my behalf and I was not alerted or notified of what transactions occurred. My phone was stolen as well as my email being hacked allowing authorization. I confronted the bank with these the minute it occured.
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Resource Systems, Inc (CO)

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK (OH)

XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.
Consumer complaint received 2020-06-02
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: National Credit Systems,Inc. (IL)

National Credit Systems are reporting an collection account to my XXXX  and XXXX   reports. I've tried Disputing and telling them that I didn't authorize anyone to get an apartment in my name ( Someone signed a lease without my knowledge in a city more than 2hrs away from me ) I asked for proof that I signed my name or a copy of the ID that was used but they dont have that onfile, Just the application that was sent.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

I received a notice that owed Regions Bank {$50.00} annual fee and because I did not pay it I was charged a late fee of {$30.00} on my line of credit and it was reported to the credit bureau. I called Regions Bank customer service on XX/XX/XXXX to pay the {$50.00} annual fee, close the account and I asked them to waive the {$30.00} late fee. The person I spoke with said he closed my account and put in a request to waive the late fee. To my surprise, I opened a statement from Regions on XXXXXXXX XXXX XXXX to find out my account was still open and they charged me an additional {$30.00} late fee and reported me to the credit bureau again. I called customer service again and asked to speak with a XXXX. The XXXX said she saw where I made the {$50.00} payment in XXXX and that my account was closed but could not tell me why I was still being charged a {$30.00} late fee and why it was still showing. She told me to call back this week to make sure it was removed. My complaint is that they are ruining my credit with these unjustified late fees and told me I will have to dispute it with the credit bureaus. The late fees were not warranted and I should not have been reported to the credit bureaus. I have not used this account in over XXXX XXXX and should not have been charged.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX XXXX-current please see docs attached company has violated 20 usc 1232g ( b ) the family educational rights and privacy act, that protects the privacy of student education records.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

The interest rates on my fixed loans increased from 8 % to 10 % after Navient improperly handled my loans and refused to fix the issue and credit the difference to my account. I also on XX/XX/XXXX requested my XX/XX/XXXX Tax Forms to where they sent XX/XX/XXXX and are still looking for XX/XX/XXXX. Their VP XXXX XXXX is in favor of predatory lending and mentioned to me personally that I should refinance through their new subsidiary XXXX. It is a monopoly on student loans with unlawful dealings and horrible customer service who 's managers have no idea who they report to are.