davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
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. (PA)

XXXX XXXX XXXX reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted XXXX this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX without providing any information about the XXXX account. I, again, called XXXX in XXXX of this year and insisted that they research the bad debt. They gave me a XXXX phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because XXXX, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
Consumer complaint received 2018-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Disputing : Account : XXXX XXXX  On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with XXXX XXXX who is reporting negative information to my credit profile. In my first dispute, Transunion and XXXX XXXX failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter.

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer  contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Transunion and XXXX XXXX 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to Transunion on XX/XX/ 2018.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXXXXXX late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-01
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: BARCLAYS BANK DELAWARE (CT)

Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.
Consumer complaint received 2018-06-19
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: EQUIFAX, INC. (NC)

My husband and I submitted a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. They were supposed to respond within 30 days, but have not. Our follow-up letters have also gone ignored.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

I used Western Union to transfer money to a consultant in XXXX on XX/XX/XXXX using a bank account which indicated that the funds would be available on XX/XX/XXXX. 
On XX/XX/XXXX the receiver was not able to pick up the funds and when I called WU they informed me that there was a technical issue at their end and they will resolve this within 24 hours. On the online account it was still showing " In progress '' on Monday XX/XX/XXXX. I called WU at XXXX XXXX EST and was on the phone for an hour, the agent suggested I do a debit card transaction and that she would give me a promo code so I would not pay more than the bank account transfer fees. When I attempted to complete the transaction, the fees were reduced 50 % and this would make me pay {$56.00} ( {$25.00} more than the bank account fees ). I called WU again and explained the situation from the beginning. The agent seemed willing to help, after a long wait for her supervisor she managed to tell me that she could waive the whole transaction fees and that in order for that to happen I would have to go to a specific WU agent " XXXX XXXX '' to make the payment and gave me a temporary tracking number. Although there are numerous WU agents closer I had to drive 14 miles to this specific location. When I gave them the number, it wasn't on their system. They called the manager who was extremely helpful and asked me to call WU, after explaining the situation for the third time to WU, they gave me a phone number " agent assistance line '' and requested that the XXXX XXXX manager call them. He called them and then they requested to speak to me which they did and at the end the agent said she had resolved the issue and that WU customer service will call the " XXXX XXXX '' manager to direct him on how to complete the transaction. WU called the " XXXX XXXX '' manager and informed him there is no way to waive the transaction fees. It was XXXX XXXX ETS and the issue had not been resolved. I had to complete the transaction online and pay the full fees for the transaction and wait another 5 days for it to process. 
This is the temporary transaction number I was given to use at the " XXXX XXXX '' agent : XXXX. The original transaction number is attached in the documents below, as a screenshot of the transaction that was cancelled by WU in order to resolve this issue.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC (CA)

They called my work today XXXX/XXXX/18 around XXXX PST and asked to talk to my supervisor regarding enforcing a contract I agreed to. There is no wage assignment or court. They are not allowed to talk to my supervisor regarding my debt and the message for my supervisor that they were trying to enforce a contract on me was clear it was a debt collector. The call back number is XXXX XXXX XXXX. This is humiliating for my supervisor to know I have an unpaid debt and they even asked about the owners of the company. I have told them in previous calls I can not talk at work call my cell phone.
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Please review the documents submitted. In 2007 prior to the mortgage industry collapse I wrote the justice department, RESPA, the Treasury Department and state representatives when I discovered I was illegally out into as n ARM. I was not a participant of the Ocwen settlement. Instead of receiving a principle reduction Ocwen threatened foreclosure or sign of on a XXXX balloon. This is after agreeing to the government settlement. 

Loan Modifications for Struggling Homeowners The settlement also ordered Ocwen to provide {$2.00} XXXX in principal reductions to eligible underwater borrowers who were at risk of foreclosure. To accomplish this, Ocwen offered write-down loan modifications to eligible borrowers. ( A write-down loan modification reduces the principal balance on the loan. A lower principal balance results in lower monthly payments. )
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before. 
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

I filed a complaint with cfpb # XXXX Experian got the complaint closed since they say they are mailing my credit report through the US MAIL.

Do they even have my correct address? What address did they mail my credit report to? They say I got my last credit report in XX/XX/XXXX. If they are using the information from XX/XX/XXXX they are sending my credit report to some random person as I have moved since then hence me wanting to get my credit report on line as it is more secure. Since they have taken it upon themselves to send a hard copy of my credit score and personal information out to some old address and to some random person is Experian going to be responsible for future theft of my identity since it now being compromised by there archaic actions of sending a hard copy vrs letting me get my credit report on line. Again it took XXXX  all of 30 seconds to get my my credit report with verification questions that I could answer. Not some made up verification question about loans and credit accounts I never opened in the time frames they said they where opened. Again this is absurd that a company can collect data about me and not have to reveal it to when I ask. If I ask the FBI to see what ever files they have collected about me they have to show them. The credit reporting agencies need to be fined and held responsible for any financial hard ship denial of credit high interest rates a person suffers from these companies reporting wrong information and making it so hard for someone to get their report. To verify correct information.
Consumer complaint received 2018-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (TX)

Two issues with Conduent, but they both apply generally to all student loan servicing companies.

I pay my loans, more than is needed. No problem there.

My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so.

( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX   dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.
Consumer complaint received 2018-04-02
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: Real Time Group, Inc. (NC)

I called XXXX XXXX XXXX XXXX collection agency ( Real Time Resolutions ) in XX/XX/XXXXto start the resolution process. I requested that Real Time Resolutions provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information.

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX  with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MI)

I had a bill with XXXX that went to collections. It was on my report for over 7 years and dropped off. Then came back with a newer date. It is through XXXX XXXX c/o
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Issue number ( 1 ) Select Portfolio is continuing to harass me on my mortgage loan stating that there is a lien on the property and possible foreclosure if no resolution is met by XX/XX/XXXX. 

I applied for a loan modification XX/XX/XXXX with Select Portfolio Servicing, and was told that the Lender ( XXXX XXXX ) will have to review and approve my loan modification. 

Issue number ( 2 ) XXXX XXXX coerced me into their in house loan modification in XX/XX/XXXX, when in fact, I qualified for the HARP Loan Modification since XXXX is a bank. XXXX was fully aware of this since the Federal government gave them " Bail out '' money for distress loan such as my mortgage. 

Issue number ( 3 ) Bankruptcy Court showed a balance of {$220000.00}, when I got my notice from Select Portfolio it showed {$240000.00}. When I contacted SPS, they stated that all the arrears was added in the back of the loan, but still SPS relationship manager said there's a Lien on my property and has to be resolved by XX/XX/XXXX or they will contact an Attorney to seek possible forecloser.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you XXXX XXXX