davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (TX)

I called diversified consultants inc. ( DCI ) located in Florida regarding a debt collection from XXXX XXXX for {$470.00} and they informed me that I owed that money as my last bill statement. This account has been reported 4 times to 3 different collection agencies and it was successfully removed in the past. XXXX XXXX can not charge me for an item that they said I should not bother paying for since the receiver was free and at no charge to me. When I moved out or my old apartment in 2014 I left the equipment there and called them but the representative told me not to worry because I am not responsible to pay for the free equipment.
Now the new collection agency- DCI were there threatening to damage my credit with this report. DCI actually denied ever reporting it on my credit report, but that was completely false because it 's on my XXXX and XXXX report.
They just want to force me to pay {$470.00} and refused to remove the account from my report.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (SC)

My name is XXXX XXXX XXXX, and in XXXX of XXXX I moved from XXXX, to XXXX, XXXX. Since the moment I moved into XXXX, my service with XXXX was bad and resulted in many missed, dropped and no calls either coming in to me or my attempting to make. I spend countless days and weeks attempting to resolve the problem with XXXX. I was finally in XXXX of XXXX advised that because no resolution could come with regards to my paying for telephone services I was neither making or receiving, I was advised that I was being let out of my contract. since XXXX I am continuously being sent collection notices, and I have spoken to countless supervisors and have been advised that I do not owe anything to XXXX and that my account is not stating any negative remarks and/or comments. On XXXX XXXX, XXXX, I have received yet another letter from a collection agency and I called XXXX again and was advised by an account representative that someone would look into this yet again. <P/>Please help.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX ,   XXXX    and equifax ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) from my  credit reporting agencies.   i would greatly appreciate
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. ()

Hi I keep getting repeated calls from NCO Financial services on my cell phone. They are looking for someone who is not at this number. I have told them this verbally over the phone as well as emailing them and telling them this. Yet they keep calling me. The number they are calling me at is XXXX. Please can you help me to get them to remove my number from their dialer?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (FL)

I would like clarification on the rules governing escrow funds being held and analized by a mortgage company. I recently built a new home. This is my XXXX new home build so I am aware that sometimes the tax assessors office will not have up to date information with the improved value of the home and will only show the land value. In the past I have called the bank after receiving a new escrow analysis in the mail and advised them of this and they would adjust my escrow back up to where it should be. I called this time and they said they could not do it. As someone who used to work at processing foreclosures I saw too many people go into foreclosure because of this very same issue and them not understanding the problem. The mortgage company said they could only take the current tax value assesment due to the RESPA regulations. Is this correct? If so this does not protect consumers in any way. In fact will hurt those who do n't completely understand the escrow portion of their payment.
Consumer complaint received 2016-04-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

Our HOA has a townhome that was abandoned by the homeowner and has been empty for several years. The HOA foreclosed on the property for non-payment of HOA dues. According to the county 's tax base, the HOA is listed as the owner and has been sending tax payment notices to the HOA for several years. On the advisement of the HOA 's lawyer, the HOA has not paid any taxes due over the years. The HOA has tried to find out who the actually owner is and has had a difficult time securing the proper documentation from the mortgage company to state the property was either foreclosed, the mortgage was forgiven, or what. The HOA wants to try to fix the place up and sell since we have not be able to recoup past HOA dues from the previous homeowner or count dues for this place for several years. Reaching out to the previous owner has been fruitless. The HOA does not want to proceed with selling only to have a bank, etc come forward and claim the townhouse after the HOA has spent money to repair the place for sell. Thus, the HOA is at a loss as to how to move forward. The county is now stating they will send the tax delinquent account to a lawyer. If that occurs, the HOA may be on the hook for lawyer fees and eventually having the pay for the past taxes without first having actually proof the HOA owns the unit.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Persolve, LLC - Legal - Series 2 (CO)

The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.
Consumer complaint received 2017-06-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cottonwood Financial Ltd. (TX)

I have asked the pay day loan Comapany many times to stop calling my work my phone or me. They keep calling daily. They called my work. After I asked them to stop. XXXX the cash store XXXX Texas. She 's rude. Does n't listen. I want it to stop.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (MI)

Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.
Consumer complaint received 2017-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX I gave countrywide XXXX. To purchase a home, I was just got out of XXXX moving from XXXX to XXXX I got a job with the state. When everything done I got a mortgage that I could n't afford I Contacted countrywide on XX/XX/XXXX occasion to no avail for 2 years I struggled paying the mortgage borrowing fro family members and friend until I could n't get money from no one. I got into foreclosure Bank of America came into the picture offers me little to nothing. A friend referred me to XXXX XXXX XXXX paying them more than 400.00 a month beside other fees I paid in order to help me to keep my house this was another excruciating pain, I had no clue who my lawyers were, never had any info of what 's was going on beside me begging them for information to no avail. Others that I paid for modification, they ran with my money. I did a bankruptcy including my home the bank removed itself from it. I requested a modification with Bank of America they denied me stating I do n't make enough money, the same money I have when I purchase the home. I paid {$300.00} to have a mediation Bank of America said I was not qualified the only thing they could do for me they will sell me the home for XXXX I have to give them {$30000.00} I do n't have they foreclosed my home. I have no money no money to rent I 'm homeless because I trusted people. My last day in the home is XX/XX/XXXX I do n't yet where I am going to live probably in my car. My boss gave me this site to write this complaint.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (DE)

Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (CA)

Pendrick Capital keeps selling a so called medical debt to agencies and it keeps being added to my report. I have filed numerous complaints against the agencies who have purchased this debt and the account has been deleted. Pendrick has not once contacted me regarding this " debt '' yet they sell it and the agencies do n't even contact me! This debt is not valid and I want it completely removed!
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (HI)

My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had multiple unknown fraud charges applied to my credit card in XXXX of 2016. These charges were out of character of our spending habits Our Capital One Mastercard did not notify us of any unusual activity. Which they have in the past for much less. I caught it by checking my credit card statement before it was sent out. I notified the XXXX XXXX. The day I caught it. I canceled the card, immediately ordered a new one. They continued to charge my card with pending fraud charged even though they had been alerted. They removed many of the charges but then reapplied some them in XXXX even though Myself or my husband did not authorize any of the charges. We have been a customer with this crdit card for 22 years. We pay our bills on time and spend thousands of dollars through them yet they have failed to protect us in this one incident.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Medical Management, Inc. (NJ)

XXXX Hospital sent my account to Financial Recoveries, a collections agency after I had been paying consistently on my account for 2-3 years, never missed a payment, and was never late. After many attempts to straighten this out, especially when they started reporting erroneous information to the credit bureaus, they are still reporting ( Financial Recoveries ) erroneous information. I sent documentation and proof of my payments to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX took care of the issue, but XXXX is still letting this company report this information and it is wreaking havoc with my excellent credit history. I told Financial Recoveries that the information they are sending to XXXX is falsely accusing me of being " late '', they argued that that is not what it says, I told them I was looking at my credit report and that is indeed what is being reported, and still nothing is being done about it.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NV)

Bought a prepaid visa card at the local supermarket. Card was compromised and US Bank reps ( phone # on card ) are indefinitely delaying a fraud investigation ( 60 days so f ar ).
Consumer complaint received 2016-06-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (LA)

Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.