davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.
Consumer complaint received 2017-12-14
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. (CA)

1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/2012 2. Account placed in collections to XXXX XXXX XXXX. 
3. XXXX XXXX XXXX submitted inaccurate information to TransUnion, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with TransUnion to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.
Consumer complaint received 2017-12-13
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. (DE)

Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is my mortgage company I resive a letter from them today about missing XXXX  payment I call my loan company every time I called I have to put my account number and usually send me to a different person but regular costumer services person and he or she never answered my call or returned my calls I try diferente way today XXXX XXXX and it did work I spoke to a person his name is XXXX XXXX and he explained to me what 's going on around the beginning of XXXX bank of america gave me a called loan modification as you already know force me to sign through the court I was n't agreed of all the contest I have no choice but sign their called loan modification based on my income of my XXXX payment was affordable {$1400.00} more or less 3 mouths into the new loan modification they started to send me papers that I was behind my escrow went up I called but as I said no answer no calls back that right there started to make my mind more crazy because they already taken advantage of me their lawyer sending me his explanation the first was that I signed a contract with them second that I did a bankruptcy that 's only some of the excuses that I remember now but they are a lot more I stated that I 'm in XXXX  and my income is limited but I managed to make my payments on XXXX I make 3 payment that they stole or missed but thais the firs excuse for not getting the harp program their fraudulent tactics are this way same as what they are doing now they are saying that I missed a payment in their loan modification they put a bill of XXXXmy house was worth the most {$140000.00} they put all their expenses from lawyers court fees they claimed that the house have been watch another fee every little fee they can put they did $ XXXXthe new loan modification but could n't take money from the escrow because in their new contact they would started again to build a new charge for the escrow XXXX told me that in XX/XX/XXXX they have a shortage of escrow again so my payments of that mouth they applied it to my escrow as I said they took my XXXX payment to pay their called escrow shortage so they can say that Im late or i have n't make my payments of XXXX XXXX this c is a fraud to me because when they said there was a escrow shortage they started to rise my payments from {$1400.00} to {$1500.00} they said they would charge extra until I get my shortage fix my new payment is {$16.00} 01 and again thay said my escrow to blamed for the increase my home insurance stay the same my home taxes when up {$300.00} sinse my loan modification they started again to make my life miserable I hope there is a lawyer can help me bank of america is a fraud and in tired of being taken advantage of becouse my limited income coming from my XXXX
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I was charged {$15.00} in fees. This was the result of overdrafting my checking account and money being automatically transferred from my savings account, both of which are in my PNC virtual wallet. I have had this occur numerous times before, and was never assessed a fee. And now, out of nowhere, I was charged {$15.00}.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (AZ)

I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

It is EXPERIAN 's duty to report correct and accurate information on my credit report and file, however they are NOT. 

EXPERIAN is reporting 1 inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 3 late payments for the XXXXXXXX XXXX XXXXXXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I updated my Coinbase App on iphone on XX/XX/XXXX. The updated Coinbase app was requesting me to re-login. I received SMS verify code from them and it just didnt work on the app. After several times of trying, my Coinbase account was temporarily disable. I followed the steps from Coinbase.com and submit a support request through email. No one respond. From the morning of XX/XX/XXXX to today, I called Coinbase customers support line four times and waited 40 mins on average. The call was disconnected 4 times. They sent me follow up emails that provide same information I can find online ( not actual help ). They have no idea, or no plan on how to solved the problem. No one from Coinbase has ever contact me beside the email that tells me to wait. 

It has been 5 days. The market changes every second. Their irresponsible customer support could result really thousands of customer a desperate financial situation. Please help me.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!
Consumer complaint received 2017-12-05
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: Midwest Recovery Systems (TX)

Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase chose to shutdown my Chase XXXX XXXX on XXXX XXXX, 2017. They sent a letter in the mail with the shutdown and did not provide a reason. I have attached a copy of the letter that was sent me. 

The main text describes : " After careful consideration, we closed your credit card account on XXXX XXXX, 2017, because our affiliate is ending its banking relationship with you. '' There was no more details about the shutdown In my XXXX years as a customer all payments were made to the card, the account was delinquent in any way. 

I would to speak to a representative from the XXXX XXXX to see if I can provide any information to adjust or change this situation. I was a proud and happy customer using the Chase XXXX for my everyday business needs.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
Consumer complaint received 2017-12-03
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: Experian Information Solutions Inc. (IN)

ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
Consumer complaint received 2017-12-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

On XXXX I was approved for a forbearance with select portfolio servicing. However, I was under the impression it was a modification which I later found out to be the forbearance. In XXXX of XXXX I was told my new payments were going to be roughly {$1500.00} a month. At that point I made my monthly payment in XXXX and XXXX. In the end of XXXX I was told I had the forbearance and I was behind in payments by the amount of {$4700.00}. At that time I considered refinancing my home, but was unsuccessful because the housing market had crashed. XXXX XXXX my payment amount begin to fluctuate around the amount of $ XXXX {$1700.00}. I contacted XXXX in XXXX of XXXX to start the modification process to save my home. I submitted all of the required documentation that was need in XXXX and again in XXXX. I was told by XXXX that my modification was approved and all my documentation was sufficient. I was placed on a trial payment plan in XXXX of XXXX in the amount of {$1400.00} ; I made all the required payments in XXXX, XXXX and XXXX ( all payments were automatically withdrawn from my bank account. ) On XXXX XXXX, XXXX I received a letter from XXXX stating that my modification was approved and new payments were to begin on XXXX XXXX. I just needed to sign the loan modification agreement by XXXX XXXX XXXX ; which I did on XXXX XXXX. I submitted the signed documentation by fax on XXXX and originals by FedEx on XXXX. On XXXX XXXX I was contacted by XXXX and was told that my divorce decree was not sufficient. This is the part that I am confused on, because in XXXX and XXXX my divorce decree was used at that time but now I am being told that it is not sufficient to complete my modification ( which was already approved ) and they have now stated they will denied my modification and start the foreclosure process on my property. I have tried to contact them to see what is the issue with my divorce decree and have spoke with several managers and was told " there is nothing we can do '' and then have been hung up on. I asked if I may file a complaint, I was told they do not do compliant. I spoke with XXXX XXXX XXXX and XXXX XXXX. XXXX has stated my past due amount is {$6900.00} as of XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX for the amount of {$340.00}. I have sent XXXX XXXX a debt validation several times with no response. This item does not belong to me.
Consumer complaint received 2019-03-01
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.