davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

On X/X/2017 I went to my online banking thru Wells Fargo Online and went to pay {$1000.00} to my WF Visa account On X/X/2017 I received a statement from Wells Fargo Visa which didnt reflect the {$1000.00} I paid online Of course I called realizing it was to soon for it to appear The lady I spoke to said she never recieved it, so I looked online and saw I accidentally sent it to WellsFargo Banking which was for a loan I had for carpeting, which I have a XXXX balance with So they gave me the number to call to correct the problem I was sent to another country where I had a little difficulty understanding the lady. representative But I did understand her saying that they could n't return the money to me for 10-15 days She transferred me to the States and the man I spoke to a supervisor said the same thing to me, So I asked to speak to a manager. I spoke to a XXXX XXXX Very nice man trying to help me, but he said he could n't get it to me for 5-7 days So the next day I went to my local bank and spoke to my banker XXXX XXXX who also tried to help me, but he was told the same thing, that it will take 10-15 days to return the money they all told me this is their policy, I said your policy is antiquated! if you can take it in a day you should be able to return it to me in a more timely fashion I could understand 2-3 days its the same bank and it was done online with my money So I am upset and think this policy is unfair and I want my money returned to the account it came from
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MO)

In   XXXX   wells  Fargo  charged my account off due to not paying. Since then for the last 6 years they have been updating my account every month which from my understanding is illegal to do. I 'm trying to get a loan for a house and this is the only thing holding me back. It also shows a balance for {$7400.00} which of it was charged off i would n't owe wells Fargo. I called them recently and they are updating my address but would n't accept any money or talk about my credit with me.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz of Tulsa, Inc. (OK)

The two companies that are involved are XXXX XXXX XXXX, representing XXXX XXXX, which took place on XX/XX/XXXX,  where they are claiming that I owe them {$25.00} for medical services rendered on their behalf. The other company is XXXX XXXX XXXX, who are representing XXXX XXXX XXXX XXXX. Claiming that I have an open, owed account in the amount of {$2100.00} for medical procedures which apparently began on XX/XX/XXXX, for medical procedures provided me. Both are claiming that these are individual accounts that I am responsible for. However, I never received any treatments from either facility without first full approval from XXXX ( state funded medical care. ) Any time I needed any procedures performed, XXXX had to be first notified for approval especially considering my physical and financial situation and no medical procedures were performed or given without their written guarantee of payment for each and every medical procedure. I also had to have prior authorization from my XXXX XXXX XXXX as well as my XXXX to be certain that no treatments would interfere with medications being taken at that time, prescribed by them both, as I am under both their care for serious deteriorating conditions. I had n't even any idea that XXXX XXXX was claiming that I owed for medical procedures as I was never contacted. Not by mail or by phone. I do n't even remember the year that I was called by XXXX XXXX XXXX XXXX, whether it was XX/XX/XXXX or XX/XX/XXXX. The only time I had ever been  contacted was by phone when we discussed that XXXX had pre-approved any and all procedures that I had received. Since I never heard back from them I assumed that the matter was cleared up. It was n't until I checked my credit on XXXX, in XX/XX/XXXX that I even knew there was an open account with a collection agency in my name. <P/>1st collection agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX 2nd collection agency info : Works and Lentz XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

I received a call at XXXX on my way to work on a past due XXXX credit card that was issued through Comenity Bank and of course that upset as I was driving to work. so in haste I told them that the XXXX account was included in a chapter XXXX bankruptcy. so they noted that on the account. I went to use my XXXX account also issued through Comenity Bank and was told that the account ca n't be used because I was in a bankruptcy and once they hear the word bankruptcy they no longer allow charges. I was informed by my attorney as long as I kept making payments on the cards I used be able to use them and they are telling me something different. Comenity statement that once they hear the word bankruptcy they cut off access to using the accounts is not accurate as all my comenity accounts were opened when I was in a chapter XXXX. This includes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's and XXXX XXXX. I would like access to use these accounts or if they are not going to allow them stop sending statements and write it off as bad debt. they are quick to cut off access to borrower from using card but still send statements and still hit borrowers with late fees. you ca n't have both the borrower paying the card ( whether it 's late or not ) and late fees but not give them any advantage to paying them off. I owe this company a total of less than {$400.00} and have paid on the cards even after the bankruptcy
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I am being sued in small claim s by Midland Financial/ Midland Credit Management .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX .     Without any prior contact I was sent a Summons to appear in Small Claims Court in  XXXX , GA. I am to appear in court on  XXXX   XXXX .     Because the claim did not have any contact information for the persons suing me, I had to look it up online. I found the address from where they looked at my credit history. I sent a letter requesting all informati on Midland had on my debt to be sent to me. They have failed to send me any such information.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

EXPERIAN MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Since last year 2016 someone was using my best buy credit card, I called best buy and they fixed so i closed that credit card and they sent me a new one and the next month i received a bill from them that i owe them and i never activate my new card so i call again to best buy and told them about the situation so they fixed it and sent me a letter that was a fraud so i decided to close the last credit card and i never open a new credit card. and again i received a new bill from best buy so it was 3rd time that they were doing fraud and every time i called them they said do n't worry everything is taking care. so the last fraud { 4th time } i had couple days ago and i had to call XXXX to let them know that i 'm a victim of fraud because Best Buy ruined my credit score .I HATE BEST BUY. They did 4 times and every time i called them, they said everything is taking care and i hope this the last time that they are doing this to me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NC)

I have not recieved a notice that my mortgage was transfered and the new company stated that I am past due but they have not issued me a bill. Neither company has issued me information on the transfer.     Company  1 -   XXXX   XXXX   2- Selene Fianance
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The bankruptcy listed on my credit report is inaccurate. Please identify the method that have used to verify the information in the bankruptcy. The bankruptcy belongs to another person with the exact same name as me living in my area. So do all of the accounts listed below. It is a violation of the FCRA to report inaccurate information. Please show me in writing the verification of my social security number against the actual paperwork shown on the bankruptcy. Not  one  that is displayed on a public website.     These accounts are also not mine they belong to someone else.      1.    XXXX   XXXX    XXXX   2.      XXXX   XXXX    XXXX   XXXX   XXXX  3.   XXXX   XXXX   XXXX    XXXX   XXXX  4.   XXXX   XXXX   XXXX   XXXX    XXXX  Please delete these items including the bankruptcy if you can not verify these within 30 Days. Verification means to be able to testify in court, under oath with written proof. You are also in violation for providing truncated account numbers. These are not my account numbers. None of mine end with XXXX. Please delete.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CHARLES SCHWAB CORPORATION, THE (NC)

I used  Charles Schwab  's Bill Pay to make payments on a  XXXX   XXXX  loan that I had paid current since  XXXX . In  XXXX   XXXX  I set up the account to autopay the loan through the loan 's final payment in  XXXX . Instead of doing what it was supposed to do, the system overrode the date I put in and set  XXXX   XXXX  as the final payment date. In  XXXX   XXXX ,  XXXX   XXXX  sent a letter threatening collections, and that was when I first became aware that  Bill  Pay had failed. I paid the loan payments current, and then had the  Schwab  rep get on the phone with the  XXXX  rep. The  Schwab  rep said that the error was likely a  Schwab  system error, but refused to send a letter or email to  XXXX  because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers.  Schwab  now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony.     My husband 's  credit score  was negatively impacted, and our interest rate on our new home ( closed in  XXXX   XXXX  ) was adjusted upwards as a result. The additional annual interest charge is over {$2000.00}, and we are requesting that  Schwab make us whole on the increased cost. My husband and I gave ample warnings about the effect of  Schwab  's erroneous reporting, and were consistently ignored.     The contact at  Schwab  is  XXXX   XXXX , Managing  Director  - Banking Operations at  Charles Schwab  Bank. Her phone number is  XXXX . She has refused to discuss my account with my husband even though it is his credit that was affected.
Consumer complaint received 2017-06-12
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. (NY)

I 've disputed this for 8 months now and am getting nowhere. I am going to be contacting a lawyer this month if this is not removed from my credit report within 15 days and then Experian will need to come up with all of this documentation during the discovery process. There are 3 accounts reporting that are incorrect and must be removed immediately. This is my 2nd complaint against Experian and nothing was done to assist me by the Consumer Financial Protection Bureau ( I would make a complaint against you guys if I could! ) or Experian. No one is holding Experian accountable for their extreme abuse of power and something has to be done about this immediately. XXXX XXXX XXXX XXXX XXXX, XXXX These 3 accounts are the result of identity theft and I did not at any time apply for, use, obtain or authorize these accounts. I have already explained to the credit bureaus what happened and that another person with the same name was given all my information by an employer that we both worked for and he opened multiple accounts, obtained vehicles and even went to jail with my information! Section 609 protects me against false reporting by the credit bureaus and therefore, you must send me the actual paperwork that was filled out when this account was opened or they need to be removed.
Section 605B protects me against identity theft. Send me the paperwork that was filled out when these accounts were opened including my original signature and copies of the identification provided. If you do not have this paperwork ( which you do not have and can not obtain ) then you must remove these items Section 1681 protects me against inaccurate and incomplete reporting as well as false reporting by the credit bureaus which is why all investigations must take place to ensure that there are accurate and complete accounts on my credit file # 1 XXXX XXXX XXXX XXXX account # XXXX You are in violation of all sections listed above. Send me the documentation that proves that I ever occurred these charges or applied for this account. In addition, you have 2 years of late payments after the account was closed. That makes no sense and is not even possible. # 2 XXXX XXXX account # XXXX & XXXX You are in violation of all sections listed above. Send me the paperwork that was filled out including my original signature or remove this immediately. I did not apply for or open this account. Also send me the handwriting analysis that you performed.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (NJ)

D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focused Recovery Solutions, Inc. ()

I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.
Consumer complaint received 2017-06-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (AZ)

I 've been working with this " company '' since   XXXX   XXXX   ,2017  to pay off a loan the final balance was {$340.00 } (  original loan company  XXXX   XXXX   XXXX   ) the y set up monthly payments of {$60.00} which I made  XXXX  payment that came to {$240.00}. Everything was going smoothly, made my monthly payments time. Then on the  XXXX  of this month they hit my account. I was concerned and called the company ( spoke to  XXXX   XXXX .. if that is his real name ) and let him know that my account should n't have been hit till the end of the month. He informed me that the previous " agent '' that worked with me no longer works there and that he set up the payment. I asked "   XXXX   '' what is my balance, he stated that I owe {$190.00} but he 'll offer me {$150.00} which will be my last payment on the  XXXX . I thought about it and thought it was fair enough. Early Tuesday morning I got a bad feeling that I was going to be billed more than what I owe. I checked my bank account and counted the number of payments I have already made and made the conclusion that I owe  XXXX  instead of {$150.00}. I called the company back and spoke to this   XXXX   guy ( which is unprofessional ) and ask him why I am being billed {$150.00}. He stated that I made  XXXX  payments of {$50.00} not {$60.00} and there was a {$10.00} transaction fee. I was n't aware of this from the previous guy. I asked  XXXX   XXXX  why he told me before I owe {$190.00} when my balance from   XXXX   XXXX   XXXX   was {$340.00}. he told me There are interest charges!!! The original email they have sent me show that I owe  XXXX ! No interests included! I got mad and argued with him and told him that I googled the phone number and read negative reviews and demand him to give me their website. He spoke in a low tone like he knew that I have caught on. I cancelled my card that they have on file. I am afraid they will take more than {$150.00}. I do n't trust this company and the people that work there. Unprofessionalism and rude.I now know not to work with companies that are n't BBB accredited. I have the original email they sent me if you would that. I will NOT give them anymore money! Few of their phone numbers are  XXXX  an d (   XXXX   )   XXXX . The address I have found is  XXXX   XXXX   XXXX   XXXX  #  XXXX    XXXX    ny  XXXX . They still call and talk like I do n't know about the loan  XXXX   XXXX  and a   XXXX    XXXX  I believe. I 'm so fed up with them and so annoyed with myself to believe them. They will not get anymore of my money. The attachment is the letter they emailed me but I can not view it