davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (UT)

Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX. 

Received phone call about the bill shortly after. I requested they send all future correspondence in writing. 

I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time. 

I have attached two of my XXXX  bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX  - 2 minutes -- XXXX inbound XXXX at XXXX XXXX  - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing. 

Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement. 

-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged. 

Payment was authorized on XXXX and posted to my account on XXXX. 
Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX. 

-- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional. 

-- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX. 

Reversed charge will not immediately post to my account.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Because of fraudulent Black market activity on my credit, all XXXX bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA  XXXX
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

1. XX/XX/XXXX Phone payment made to amerihome mortgage with payment followed by a received confirmation for payment to be processed XX/XX/XXXX. [ XXXX ] ( view attached ). Notified by XXXX via statement ( XX/XX/XXXX statement date ) that payment bounced on XX/XX/XXXX. 
2. XX/XX/XXXX received loan statement assessing a late fee of XXXX in addition to XXXX, totaling XXXX. 
3. We were going through a period of forbearance* effective XX/XX/XXXX. Reason for forbearance : Father in critical condition and was admitted to XXXX care. Additionally, sister was diagnosed with XXXX XXXX XXXX and had to make frequent visits to XXXX  XXXX for treatment. 
a ) As of XX/XX/XXXX, father passed away. ( view attached : XXXX funeral doc. AttachedDeath cert. available upon request. ) b ) ( Sister ) was still undergoing treatment at XXXX  XXXX *if information is needed able to provide 4. XX/XX/XXXX ( Monday ) We prepared and issued a cashiers check in the amt : XXXX which was confirmed as received by Amerihome Mtg. bringing the account up to date with XXXX remaining on the balance. 
5. Sometime beginning XX/XX/XXXX we were issued mishap reversal refund of XXXX, reducing our XXXX payment on the balanceeffectively delaying the delinquent situation further in which we concluded that Amerihome Mtg. was insisting that the whole payment of XXXX or no payment ( will reference this in their claim about offering a reprieve had we contacted them. ) 6. Due to the mishap reversal refund, we made a money order payment of XXXX on XX/XX/XXXX with the intent to clear both the XXXX refund and the XXXX remaining balance. 
7. we received a statement dated XX/XX/XXXX from Amerihome Mtg . on XX/XX/XXXX ( Thursday ) stating we had a balance of XXXX XXXX. XX/XX/XXXX received letter from amerihome letter date XX/XX/XXXX that they have made multiple attempt to reach us and referring our loan to a foreclosure review committee 9. XX/XX/XXXX contacted amerihome spoke with Mrs XXXX. She notified us as of this morning they have sent our loan over to the attorney for foreclosure. They did not receive payment of XXXX that was sent via money order. Was instructed to call back by XX/XX/XXXX so we can know how much is owed and request a refund from XXXX XXXX ( refunds can typically take 30 days if and when approved ) 10. Called Amerihome Mortgage XXXX XXXX  XX/XX/XXXX Spoke with Mr XXXX employee id number XXXX notfied us that our account has been assigned to Attorney XXXX XXXX XXXX XXXX. 
11 contacted the lawyer office office hours Mon-Friday XXXX will attempt lawyer again Friday XX/XX/XXXX NO phone calls what so ever has been made to any point of contacts. Letters are delayed
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have contacted all three credit agencies. XXXX, XXXX, and Transunion asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Egon Singerman, Attorney at Law (WA)

Was told by The Firm I only have 10 days to dispute the debt. When I contacted them at XXXX PDT on XX/XX/2020 was told that it is only 10 days to dispute it I am wrong its not 30. When I said MR. XXXX XXXX is not licensed in my state I was told that don't matter they can sue me in Ohio. I do have an attorney retained for bankruptcy and called to let them know that. I am also disputing the validity of this debt. I would like Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision.
Consumer complaint received 2020-02-07
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. (GA)

On XX/XX/XXXX, I wrote a dispute letter to Equifax in reference to : Inaccurate Information on My Credit Report : US Bankruptcy Court-Atlanta-Case # XXXX US Bankruptcy Court-Atlanta-Case # XXXX ( See Attached ) On XX/XX/XXXX, Equifax received the letter. ( See attached ) On XX/XX/XXXX, Equifax completed their investigation and the results were : We have verified that this public record item is reporting correctly, on both. 
( See Attached ) On page 1 of my Equifax Credit File, Equifax states, If your dispute involves a public record item, Equifax contacts a third-party vendor to obtain the most recent status of the public record. ( See attached ) On page 3 of my Equifax Credit File, XXXX is listed as that third party vendor. 

On XX/XX/XXXX, I received a letter from XXXX providing me a Security Freeze Confirmation of my file. ( See attached ) On XX/XX/XXXX, I received my Equifax Credit File that outlines the Verified Items Reporting Correctly. I called and spoke with ( 3 ) employees ( XXXX, XXXX, and a 3rd gentlemen who did not give his name ). All employees were from the XXXX XXXX XXXX   Department. According to each employee, they verify the information by sending an electronic notification to the Court and they verify that the information is correct. 

On XX/XX/XXXX, I received a letter from Deputy Clerk-XXXX  XXXX, from the United States Bankruptcy Court of Atlanta ( See attached ). The letter states, The Clerks Office does not provide information to credit reporting agencies. 
I asked each employee can they provide me the names of the person ( s ) who verify the information accurately ; and they could not provide me with the names. According to FCRA 611 ( a ) ( 7 ), I was requesting a complete description of all methods used to investigate my aforementioned dispute. 

Also according to Federal Rules of Bankruptcy Procedure Rule 1005- a debtors last four digits of the social security number are used.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/2020 I sent {$240.00} to my mother through the XXXX app attached to my Ally bank account. In my end I am receiving a confirmation that the transfer was successfully sent. The money is out of my account and shows as a completed transfer. On the receivers end, my mother reached out to her bank XXXX XXXX that also has an embedded XXXX app. She never received the funds. She was told the transfer was NOT completed. She has not received the {$240.00} that was supposed to be transferred within minutes. It is now over 10 days later. It was supposed to be an instant transfer through XXXX within a few minutes. My bank Ally bank is saying the transfer completed. XXXX XXXX bank is saying the transfer cancelled and were returned to my bank. XXXX is saying that they are not responsible and that both of us should call our banks. Luckily this is a mother and daughter team. We have been able to call both Ally bank and XXXX XXXX banks together and hear both sides of the story. We have called XXXX several times and were offered no assistance. We are merely the customers. We do not have the ability to trace the funds and the banks and XXXX are not being forthcoming. The banks should be doing the legwork, not the customer. We have done everything in our powers and need assistance from another source. The companies refuse to resolve the problem or speak with eachother. I have had {$240.00} literally stolen from me by none other than the FDIC- insured bank that promised to protect my funds. My mother willfully loaned me money that I am left unable to repay until these funds are returned to my bank account. The XXXX transaction number involved is XXXX. 

I called back in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the problem is still not resolved. 

Companies involved. 
Ally bank XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AZ)

I signed up for XXXX service in conjunction with an Internet service the Internet service site that I signed up with said no contracts no prepayment penalty I moved from the location I was that in 2017 XXXX continues to send to 3 different credit bureaus collection agencies demand for payment of the {$200.00} I have spoken with XXXX on several occasion 's I have repeatedly told them show me send me a copy semi a recording where I agreed to pay a {$200.00} termineation thing and now this case is with Franklin collection service inc XXXX  Mississippi case numbers XXXX I do not believe I owe this debt and they continually send it to another collection agency please help me
Consumer complaint received 2020-02-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NV)

On XX/XX/XXXX I received notification from XXXX XXXX that my score dropped because I had a late payment to GM Financial. 
I never received my final bill with information on how/where to PAY my bill. 
I called GM Financial XX/XX/XXXX and told them I never received a bill. They said they generated one on XX/XX/XXXXI said, Well no wonder I didnt get itit must have gotten lost in the XXXX mail mess. They said they called me and left messages multiple times, and I told them I NEVER received a phone call. I spoke to a supervisor, who gave me a phone number I didnt recognizelikely an old work phone number. I asked if they had my cell phone numberthey didand I asked why they didnt try to call me there, since I NEVER received a phone call to my personal cell phone, nor any bills. They had no answer to that question except that the phones auto dial. ( Apparently their auto dial system is substandard because it does not dial all phone numbers of record. ) I paid my bill over the phone right that moment, in full, and even {$20.00} in XXXX XXXX fees. I asked them to remove the late payment reporting on my credit report and they said no, they wouldnt, because they had not made an error. I said that they had made no attempts to reach me, and I have a pristine record, they could see Ive paid everything on time, and obviously I had just paid them as soon as I figured out how to reach them. They said no. It was only 34 days late, today, when I paid. They said they report everyone when they are 30 days late.
Consumer complaint received 2020-05-26
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. (OH)

Attention Consumer Protection : this is what I Mean by Fraud! 
Here are some more inquires that this EXPERIAN bureau refuses to remove. 
I DEMAND THEY BE REMOVED IMMEDIATELY! 
I WOULD NEVER AND I MEAN NEVER APPLY FOR ANY CREDIT WITH XXXX XXXX XXXX HERES WHY. 
I AUTOMATICALLY WOULD KNOW THAT I WOULD BE TURNED DOWN BECAUSE I AM A XXXX XXXX XXXX. XXXX  XXXX XXXX DOES NOT DO ANY BUSINESS WITH XXXX XXXX  UNLESS YOUR CREDIT SCORE IS 700 OR HIGHER OK THIS IS HOW I KNOW FOR SURE I HAVE NEVER APPLIED FOR ANY CREDIT WITH THIS XXXX COMPANY! EVERYBODY XXXX XXXX  KNOW THIS ABOUT XXXX  XXXX XXXX! PLEASE REMOVE! THISIS THE KIND OF XXXX THAT KEEPS ME FURIOUS WITH YOU PEOPLE WHEN YOU ALLOW THIS KIND OF XXXX TO KEEP HAPPENING TO HARD WORKING INNOCENT PEOPLE WHO ARE TRYING REALLY REALLY REALLY XXXX  HARD TO GET THEIR LIVES STRAIGHTEN OUTNO ONE HAS TIME FOR THESE KINDS OF FRADULENT CONCEPTIONS. THE SAD PART IS ITS  YOUR AGENCYS XXXX  JOB TO PROTECT US CONSUMERS FROM THIS XXXX! DO YOU XXXX  JOBS! 
CREDIT ACCEPTANCE? U HAVE GOT TO BE KIDDING ME? I WOULD NEVER FREQUENT THESE PEOPLE EVER! THESE PEOPLE FINANCE CARS FOR XXXX XXXX  XXXX? NEVER BEEN ON XXXX   XXXX  CAR LOTS PRIOD! PLEASE REMOVE NOW! SEE WHAT I MEAN.!! 
XXXX  XXXX???? 
4 XXXX XXXX TIMES? HOW MANY CAR LOANS DO I NEED? NEVER APPLIED! 
AS YOU CAN SEE, I AM FINANCE THROUGH XXXX  XXXX  XXXX  AND THAT IS THE ONLY FINANCE COMPANY I APPLIED TO AND XXXX XXXX GET THIS XXXX OFF OF MY REPORT. MAKE THEM XXXX XXXX PEOPLE WHO OPERATE THIS SCAM XXXX CREDIT BUREAU GET THIS XXXX OFF OF MY REPORT! THIS WHAT I MEAN BY RUING PEOPLE WITH THESE LYING XXXX   INQUIRIES!! THESE COMPANIES MUST GET PAID TO STEAL YOUR SOCIAL SECURITY NUMBER, MAKE UP A LIST, PLACE THIS XXXX  ON YOUR CREDIT REPORTSIS THIS WHAT FRAUDULENT CREDITORS DO? THEY DO GET PAID FOR LISTING FAKE INFO LYING ON INNOCENT CONSUMERS REPORTS THAT NEVER EVEN CAME TO APPLY FOR CREDIT FROM THEIR BUSINESSES? XXXX!!!?
Consumer complaint received 2020-02-07
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: Mr. Cooper Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : NSTAR/COOPER Late Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this  happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-07
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. (NV)

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

transunion US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries 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 Trans Union XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED. 
I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Consumer complaint received 2020-02-07
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. (FL)

I received a notification a few weeks ago I had a new collection which was odd but was on the road driving trucks. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) with equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX Wireless-se ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX   XXXX XXXX XXXX  - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )