davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (VA)

My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, Equifax and XXXX XXXX. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, Equifax and XXXX XXXX which I did. XXXX rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. Equifax and XXXX  have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still Equifax and XXXX  refuse to correct/update the report.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I want to file a complaint against Convergent Outsourcing Inc . I paid XXXX and by law, they must recall the account from Convergent Outsourcing. Convergent Outsourcing has no legal reason to report on my credit reports and must delete.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it from my credit report.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Service, Inc. (Indiana) (IN)

On or about XX/XX/XXXX XXXX XXXX Hospital ( XXXX ) sent me a letter saying that I had been accepted for financial assistance at 100 % for medical debt through them. They had sent my debt to Allied Collections in XXXX ( legal extortion ) in or around XX/XX/XXXX. They tried extorting me for half the year but were unhappy because Im XXXX and therefore extortion proof. They wouldnt even verify the debt for me ( see attached ). 

I notified them of the decision by XXXX and Im sure XXXX did also. In XX/XX/XXXX I noticed they are still reporting the debt and even added more to my XXXX  credit report. Its my opinion they did this because of a letter I sent them telling them what I think of them and that I would file bankruptcy before I paid them. ( See attached ) Because of their failure to do the right thing I and my family have to suffer because of this deliberate act! 
I want this deleted and them fined for it. I want it deleted immediately and I will not accept their blaming XXXX or XXXX  ( not having control over when they delete because I know all they have to do is contact them and have it done.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (FL)

At the beginning of XXXX, I went to send my son XXXX XXXX some money when I tried to send it, my account was blocked from receiving and sending. I was a little taken back when the customer service gave me a code 1007 and told me to call the western union. I called WU on XXXX and they gave me an email XXXX and I sent them all of my information, new address, date of birth and everything else. There is not a number to call and speak to someone in that department. So basically one is sharing personal information with an email. I would really appreciate some response. Very disappointed they still have yet to call me and explain that my account has now been unblocked. I have worked so hard and I send money at all times, still have not heard from anyone. I started from XX/XX/20 through to XX/XX/20. I have spoken with an XXXX XXXX also, I am very concerned not getting a response.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting that I owe {$89.00} to them for insurance that I cancelled by phone because the insurance was cheaper at my current carrier it was paid in full up until I cancelled on the phone. I do not owe this debt If not deleted from my credit reports I will sue XXXX XXXX XXXX and Transunion. I have contacted a lawyer on this matter and will sue if not deleted. I have the right to cancel my insurance whenever I want
Consumer complaint received 2020-02-04
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC. (NY)

I have a negative item on my credit report. It shows up from General Business Rec # XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ) It was placed for collection on XX/XX/XXXX. The balance is {$500.00}. The original creditor is XXXX- XXXX XXXX XXXX ( XXXX/XXXX  XXXX ). 

In XXXX I was at the XXXX  Arizona VA XXXX XXXX XXXX. I was transformed without a choice to a private medical facility in XXXX XXXX, Arizona. I was charged for the ambulance ride. I contact the Veteran Affairs 800 number yesterday, to which I explained the VA is supposed to cover transfer expenses in these types of situations. 

As the debt is almost 7 years old, it will clear eventually. However, I should never have been issued a bill for this, and this company does not have the legal right to collect on me.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MA)

There have been 4 charges for {$99.00} from a company XXXX  on my account that I have disputed and sent verification to my card company that these charges were unauthorized and they have yet to finalize and remove charges permanently off my account
Consumer complaint received 2020-02-04
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (AR)

I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

reached out to PennyMac regarding a loan modification.I wanted to be pro active while account is current as they recommended, i uploaded all documents in a timely manner including the reasons of rising expenses college for children, ( XXXX  ) increase in mortgage payment due to property taxes increasing escrow and escrow shortgages medical payments and this PMI which stays on even though under 80 % LTV. my point of contact was XXXX XXXX but we dealt with XXXX XXXX .The modification was denied /XXXX XXXX cited no imminent danger of default.? She cited FHA works off the gross pay. when calculating modification.What is problematic is pennymac can obviosly see as we described in borrower situation thats premised with supporting a family of XXXX  on XXXX XXXX net! Also whats troublesome is that XXXX XXXX stated FHA works off borrower gross pay which as a state employee with massive mandatory state deductiions which leaves a greater disparity between gross and net is prejudicial to a state employee.For instance maybe my net pay looks ok on paper but how many private sector employees single wage earner family of XXXX takes out close to {$8000.00} ALONE just in retirement contribution alone.! there must be and exception or or my special circumstance should be strongly considered and request escalated for assistance.Also i am not witholding enough federal my accountant says which will leave me around {$3600.00} net per month to support a family of XXXX  .predicated with a XXXX mortgage payment which is way of 40 % DEBT TO INCOME! iN CLOSIN borrower has presented a defense and back it up with plausible reasoning with the facts on why my loan should be modified.i will not stop here.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I have the Delta Reserve personal credit card from American Express, which rewards {$30000.00} in spend each year with XXXX Delta XXXX, and XXXX Delta skymiles.  As the year to date summary was saying that I spent over {$30000.00}, I requested American Express to verify this via online chat. On XX/XX/XXXX, I was assured that I had spent {$31000.00}, which was all eligible spending and would be " counted for the bonus XXXX and bonus miles ''. I had not received them on XXXX XXXX, XXXX, so inquired as to when they would be arriving. I was on that date told that I had spent {$34000.00}, and that I had qualified for the bonus. Amex keeps referencing returns, but I had no returns after XX/XX/XXXX, which should definitely have been accounted for by XXXX XXXX. 

As of XXXX, Amex is suddenly saying I only spent {$26000.00}, and after several disputes is refusing to grant me the bonus. Amex misled me into spending quite a bit of money on their card, while refusing to give me the bonus they promised.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, XXXX  and Trans Union. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, XXXX  and Trans Union which I did. XXXX  rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. XXXX  and TransUnion have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still XXXX  and TransUnion refuse to correct/update the report.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITALONE FRAUD REFERENCE # XXXX I, XXXX XXXX, did not receive my new credit card because I moved. The credit card was received by an unknown person and the card was used for unauthorized purchases I did not make. I contacted the credit card company immediately when I discovered the unauthorized charges. Someone that said they were calling from Capital one contacted me in mid XXXX and asked me for a security code to prevent fraud. When I called to make my fraud claim I told the fraud representative about the strange call I received for a security code. They told me I would not be held liable for any unauthorized charges. However, Mr XXXX XXXX Stated that my claim was being denied because I had a fraud claim two years ago in 2018. I have no idea what that has to do with this new claim. I have had this card for years. Mr XXXX stated he did not believe me so he was denying my claim. I feel he is being unprofessional. I do not believe I should be held liable for unauthorized charges I did not make. I never been to the merchant that the charges that were made at before.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (TX)

I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The Javitch Block main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service  came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with XXXX visa credit card. 
That is why I writing again on this company Javitch Block because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from Javitch Block. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what XXXX has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from Javitch Block on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. XXXX.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (MS)

I have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (MS)

I have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are  the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.