davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc. (CA)

I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 

2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 
3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. 

No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. 

Thank you. 

XXXX XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (AZ)

Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (WA)

My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.
Consumer complaint received 2015-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (IL)

Today, XXXX/XXXX/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. 
I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with XXXX. Experian and XXXX and all of the accounts came back as verified and updated. 

Here are the account i file for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (SC)

I am writing this complaint on behalf of my promissory note along with all the paperwork or documents signed at closing here and a state of South Carolina. Going over the documents of a new loan modification I noticed that something was wrong on the documents so that let me to start doing research on these documents in every kind of sources, links and informations. One of the major things that I found out that state laws of South Carolina, is that when you are doing a closing to buy a home or loan modification there shall be present an notary and attorney that 's going to represent both parties and also XXXX witnesses, I definitely understand that this never happened. I understand that I was not given a full disclosure and that the bank fail to do so. I have the original documents that I signed with the notary. The notary sign my copies same as the ones that are or were going to be presented to the bank. Keep in mind there was never an attorney present nor witnesses, except for the one I had present. The conclusion of the closing when all paperwork and documents were signed I signed my wife sign and my mother in law was my witness and the notary signed as a witness as well and then notarized the documents. From that moment I noticed that something was not right. After the 10th day the bank send copies of the closing documents which I noticed that my original copies did not match the banks copies when it came about the witnesses, notary and the signatures. With all the research that I have been doing with TILA, RESPA, Full Faith and credit, Fair debt collection act, XXXX XXXX, USDA IRS and now CFPD gathering all this information makes me understand that the bank has committed fraud and deceptive practices, along with fabricating fake documents, fake notaries, fake witnesses, robo signature, due to an unlawful, illegal, fraudulent, discrimination, and misleading by the bank I demand under the full faith and credit section XXXX that all conventional or individual loan guarantee are back by 90 %. Therefore to surrender or release all documents related to my property including satisfaction Of the security instrument. ( NOTE ).
Consumer complaint received 2015-10-26
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I have been forced to buy flood insurance even though I am not in a flood zone. This is forced place insurance. I have protested since I fisrt got the loan. I have written XXXX QWR letters to Chase that I am not in a flood zone and have sent the proof. This proof was provided to the lender at the closing when I first got this loan ten years ago. I have paid {$6000.00} for this insurance. I want it stopped. I want my money back.
Consumer complaint received 2015-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: IQOR US INC (GA)

XXXX formally XXXX added an amount owed from over 10 years ago of {$790.00}, I do not owe that amount and I want them to remove that amount from my debt.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2015-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (TX)

I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.
Consumer complaint received 2015-06-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX 
Thank You for Your cooperation in this matter, XXXX XXXX
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. (NV)

FILE # XXXX PLEASE SEE ATTACHED FRAUD AFFIDAVIT TO HAVE THE XXXX CREDIT CARD ACCOUT OPENED ON XX/XX/year> ACCOUNT # XXXX. BALANCE {$1600.00}. ACCCOUNT IS NOT MINE AND IS FRAUD. ALSO REMOVE THE FRAUD DISPUTES ON MY CREDIT FILE. DO NOT ADD FRAUD ALERT I HAVE A CREDIT FREEZE.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed my credit report and noticed an account that was not reporting correctly. These accounts show late payments listed but were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not ever been late on payments. I have included a copy of the reporting to this complaint. I am now requesting this matter be investigated and update these payments to be paid on time immediately, Thank you for understanding and for your prompt action. 

These were not authorized by me. 

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 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. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-13
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. (GA)

I recently discovered that my Social Security number has been used suspiciously multiple times on the dark web, raising serious concerns about my identity and financial security. This situation is distressing, and I urgently seek assistance to secure my information, prevent further misuse, and ensure protection moving forward. 

On XX/XX/XXXX, I have contacted the credit bureaus and initiated a dispute for inaccurate information on my credit report, I expected a thorough review and correction. However, the process was frustrating due to delayed responses and minimal updates from the reporting companies. The incorrect information remained on my report, impacting my credit score and financial opportunities.
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. (TX)

I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.