davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have  learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello I have been contacting this company regarding removing the dispute I placed on that account and report that I am no longer disputing the account. They will not remove the dispute until I pay it in full. 
The representative said I had to pay today in full and that nobody was available from that department to help me. 
This dispute is hindering me from obtaining a mortgage. 
Please help.
Consumer complaint received 2020-05-05
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX, I made a transfer payment from XXXX XXXX credit card to my Bank of America credit card ending in XXXX in the amount of {$3800.00} and my original balance was {$4000.00}. Which I should have been left with {$200.00}. The {$200.00} was paid before XX/XX/2020. At this this time I was not owing any balance. A week later i saw on my statement stating i was again owing over {$4000.00}. I went to a local Bank Of America branch here in XXXX Florida to make a complain and I explained my situation to a Banker and I was told BOA didn't receive any amount that I should call XXXX bank. I went to XXXX local branch to find out why the money was not sent and they said it was sent to BOA and they received it. I ended up telling XXXX to retrieve the {$3800.00} back and i will just pay directly to BOA. So i started paying to BOA from {$3800.00}, i continued my payment till it was {$3300.00}. Two days later, i saw my online banking stating, I was now owing over {$7000.00} from BOA. I do understand I was owing them {$3300.00}. I was really confused why they said I was owing {$4000.00} again. So, I decided to make another bank transfer from XXXX credit card in the amount of {$3300.00} to BOA to avoid the interest promo given to me. To my understanding, I shouldn't be owing BOA any amount. So, the {$4000.00} i believe was a mistake. I contacted BOA and told them about the mistake but there was no clear understanding. I am in need of help because I can't afford to give out any money I don't owe.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be removed accordingly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CA)

XXXX XXXX XXXX XXXX XX/XX/2021 REPORT OF : IDENTITY THEFT Contact information : ( XXXX ) XXXX Email adress : XXXX I recently notice I was not recieiving mail from My mailing adress. First a little then a large quantity of mail was not showing up. Then I notice I would recieve notices and letters from a financail institution I did not bank with and they were late or final notices. At first i did not think much of it, then I was conversing with a collegue at work and they informed me that it sounded like early warning signs of identity theft. This has never happened to me so I did not know what step to take to protect my self from this situation I have never took on before. Once I check my credit score which my sister recommended, then I notice negative markings on my report, so then I realized I must do more research on how to report these impersonating scammers. My research led me to this website which has me now reporting this crisis in my life seems to be going thru. Here or some financial institutions which I recieve accounts under my name which I was not aware of or recall at all opening XXXX, XXXX XXXX bank of the west, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, current. I don't know how long this was in effect BUT SEEM TO ALL HAPPEN AROUND XX/XX/2021 UP IN TILL NOW XX/XX/2021 and each leaving me with a debt of thousands of dollars. Which is now leaving me stuck with negative mark on my credit score from people stealing mail from my mailing adress but have took measurments on how to prevent it from continuing much help is greatly needed please and thankyou have a great day.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2022-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian reports a collection account from XXXX XXXX XXXX original creditor XXXX XXXX I disputed this account because any account I have with XXXX  is up to date. I also have never opened an account with XXXX XXXX. Is there a history in my credit report other than this collection that refers to the owed balance? 

What needs to be done to have this corrected?
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (OH)

On XX/XX/22 we submitted a request to our lender for our home to be reappraised. Weve completed a substantial amount of updates that would increase the value of our home and property. Once reappraised at a higher value than the original purchase amount, we would qualify for the removal of our PMI. We were asked to give an estimate in cost for the completion of our updates within the first 48 hours. 

We were told the process could take up to 60 days. Were now approaching the 90 day mark and the lender will not respond to our email asking why the process hasnt started. We believe our rights to have the value of our home reassessed is being stalled or denied.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to TELETRACK and there is no third party involved. TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX - XXXX Reported XX/XX/XXXX XXXX attempted numerous times to resolve they want the whole debt paid which I never purchased this and they were unable To provide me with evidence of me purchasing such goods. I called on XX/XX/XXXX when I applied through my bank to refinance the house and this came up. 

XXXX XXXX XXXX. XX/XX/XXXX Reported XX/XX/XXXX. AMOUNT DUE XXXX XXXX Never purchased goods tried numerous times to dispute and no remedy. 

ARS Account XXXX XXXX, Fl Medical bill for services rendered unable to obtain accurate information in order to resolve. I never received a bill to pay, as well was unaware of these charges. Attempted to contact and no answer. 


XXXX- XXXX Reported XX/XX/XXXX. {$390.00} for school? 

Never registered for clases in XXXX and XXXX XXXX College is charging for a class never taken and never registered. 

XXXX XXXX XXXX XXXX Medical services rendered Never receive bills for this service or notice. 
Attempted numerous times to resolve issue and they are unwilling to remove from credit report.
Consumer complaint received 2020-05-05
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. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-05-05
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)

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Had a mortgage with NewRez LLC as the servicer. I refinanced with a different mortgage company and NewRez LLC received payment in full for the mortgage I had with them on XX/XX/2020. On XX/XX/2020 I contacted them to make sure the check for my escrow funds and any overpayment had been issued. I was told the check was not cut yet and that it can take 30-45 days to return my money. This is unacceptable - they have thousands of dollars of my money that they owe me and I have never had a mortgage company take more the 3 weeks from funding to return my money. I want my money issued immediately.
Consumer complaint received 2020-05-05
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX  XXXX {$820.00} XXXX XXXX  XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This A COMPLAINT AGAINST BANK OF AMERICA. Your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. The account is : BANK OF AMERICA ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.
Consumer complaint received 2022-04-05
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2020-05-05
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. (LA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX  XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate
Consumer complaint received 2022-02-22
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. (GA)

On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to Experian, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to XXXX XXXX that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to Experian but accurate info to XXXX XXXX? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my XXXX XXXX report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX XXXX', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted XXXX XXXX which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from XXXX.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Page 1, Paragraph 4 of my Promissory Note indicates that I have the right to prepay my mortgage with any prepayment charge yet SPS, INC is charging me a Prepayment Change on EACH of my loans ( XXXX & XXXX ) totaling more than {$2000.00} per the last payoff quote. This is not my first complaint on them and this is not the first time they have tried to scam me. I am attaching the Promissory Note they provided in response to a previous complaint, a payoff quote they also provided, and my last monthly statement.