davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.
Consumer complaint received 2016-02-21
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because one was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did transunion allow such numerous companies to access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (TX)

I sent a debt validation to the collection company ( Diversified Consultant 's ) on XXXX/XXXX/2015 The company received the debt validation on XXXX/XXXX/2015. The company still has not responded to the debt validation received well over 3 months ago. The company still continues to update to the all XXXX credit reporting companies.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (KS)

I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.
Consumer complaint received 2015-11-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Copy of my letter to the bank -- which was sent to XXXX instead of the XXXX branchTo whom it may concern : I 'm not sure if this email should go to you or not. But you have a branch here in XXXX XXXX, XXXX that is known to be the worst branch in the city of XXXX XXXX. There 's always a long line with XXXX or XXXX of you banking staff either talking to one another and socializing. Yes, I understand that you want your customers to start using online banking or better yet, the ATM machine. Well guess what? The ATM machine was broken today. 

None of your banking staff had the common sense to think that maybe that new teller needs help with the XXXX people in line -- using their lunch time to bank! 

So just to let you know. Terrible customer service. We all stood in line for over half an hour to put our money into your bank. Wow. This bank was a better bank with awesome customer service when it was known as Washington Mutual!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (UT)

As of XX/XX/XXXX  Discover has sent me an itemize statement bill of my account which I didn't not request nor ask for. This a clear stall tactic to remove or update my utilization as stated in my letter I sent and never gotten a response back in my letter I've stated NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

account : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) DISOVER Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) DISCOVER that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX. PLEASE KNOW THAT DIFFERENCE BETWEEN AN ITEMIZE BILL AND A UTILIZATION! You stated that it's required to report to all three agencies. Yes only transactions of my spending. But it clearly does not state on paper or contract DISCOVER WILL REPORT UTILIZATION THIS IS A VIOLATON OF THE LAW. YOU HAVEN'T GIVE ME ANYTHING ABOUT YOUR INVESTIGATION ONLY A ITEMIZE BILL. I DID'T REPORT NOR REJECT MY DISCOVER CARD. I'LL ASK ONE MORE TIME PLEASE SHOW ME YOUR INVESTIAGTION REPORT INTO MY REQUEST OF REMOVAL OR UPDATE TO MY UTILIZATON.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (GA)

I believe that Wells Fargo engaged in unfair, deceptive or abusive acts and practices ( UDAAP ) resulting in me suffering financial injury. I contacted Wells Fargo in XXXX 2015, as an existing Wells Fargo customer to inquire whether they would be able to offer me a 0 % purchase rate on a credit card. I called the customer contact center and explained to the representative that I required a credit card with 0 % interest on purchases and that I was less interested in 0 % rates on balance transfers. I did not intent to transfer a balance. I was pleased to be informed that Wells Fargo would extend an offer of 0 % interest on all purchases made using the card for 12 months and 0 % on balance transfers for 12 months. The offer could be applied to my existing Wells Fargo credit card, which, at that time, had a balance of {$0.00}. The customer representative advised me that in order to activate the 0 % interest rate on purchases, I would be require to transfer a minimum of {$100.00} to the credit card account. I thought this was an odd practice and sought clarification and I also asked the customer representative more than once to confirm that I would receive a 0 % interest rate on purchases for 12 months. He indicated that this was correct. At the direction of the customer representative, I duly transferred {$100.00} to the account and repaid the amount plus a {$5.00} balance transfer fee. I then began using my card for purchases believing that I was benefiting from a 0 % interest rate. I soon found out that this was n't the case. I was being charged an interest rate of 21.15 % apr on each purchase I had made. I contacted Wells Fargo on several occasions and found that they were unwilling to discuss the matter in detail. The initial phone calls I made when I signed up to the offer were recorded and I have been informed that these calls have been listened to twice and that " no banker error '' was identified, I spoke with a supervisor this evening who was dismissive and informed me that 50 % of the misunderstanding lay with Wells Fargo and the other 50 % lay with me. It is my understanding that the Trust in Lending Act requires lenders to explain the terms of their credit agreements in a standardized way so that consumer can make informed choices. I believe that the opposite happened here. I believe that information which would have influenced my decision was not disclosed by Wells Fargo. I also believe that my interpretation of this agreement was reasonable in these circumstances. Ultimately, I believe that I was misled by Wells Fargo.
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (CO)

On XX/XX/year>, I requested from Jefferson Capital System LLC proof of the Debt by mail with a certified return receipt. this is my first attempt. My recent request was for evidence of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
Consumer complaint received 2016-04-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Card Receivables Fund Incorporated (DE)

I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.
Consumer complaint received 2016-02-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Onity Group Inc. (VA)

XXXX/XXXX/2016 XXXX XXXX XXXX VA XXXX GMAC ON MY XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : GMAC BANK To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2023-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX, THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT ADDRESS I HAVE NEVER LIVED AT IN MY LIFE. NOW THIS COMPANY XXXX  AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS XXXX COLLECTION COMPANIES. AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPENED BY ME. AGAIN, I WAS NOT SENT THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. WHEN I DISPUTED THE INFORMATION WITH XXXX  AS, THEY STATED THAT " XXXX DOES NOT REQUIRE A PHYSICAL WET SIGNATURE WHEN OPENING AN ACCOUNT AND SIGNATURE IS NOT REQUIRED FOR A DEBT TO BE CONSIDERED VALID ''. ( SEE DISPUTE ATTACHMENT ). I FIND THIS RESPONSE FROM THIS 3RD PARTY COLLECTION AGENCY AND XXXX OUTRAGEOUS. SO YOU TELL ME THAT ANYONE CAN OPEN A PHONE LINE WITH XXXX VERBALLY? WITH NO FORM OF IDENTIFICATION OR ANYTHING. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. PLEASE HELP FIX THIS ISSUE AND DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.