davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

WFBNA CARD Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX days late XXXX XXXXXXXX XXXX days late XXXX XXXXXXXX  days late XXXX XXXX XXXX  days late XXXX XXXX days late This account has been paid and closed and I will like for the late payments to please be updated to paid. 


Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered 60 days late, than 30 days late and go back to 60 days late. A payment can not be considered 60 days late 2 months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2016-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLOBAL CLIENT SOLUTIONS, LLC (CA)

This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (OR)

I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (VA)

Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax has been reporting a student loan balance and liability for me in excess of {$120000.00} and payment terms that are also inaccurate because I am a participant in the Public Service Loan Forgiveness Program due to my status as XXXX. I have asked them repeatedly to correct the student loan information showing XXXX XXXX account with the following notation ( which is less than XXXX words ) : '' The debtor is a XXXX of the United States and due to that status, he participates in the public service forgiveness program for student loans. Under that program, the debtor need only make 120 total payments over his XXXX career in order to have the loans completely forgiven. Thus, the outstanding balance on student loans being reported in this credit report is inaccurate and much higher than the debtor 's actual liability which is simply 120 payments of {$620.00} each less the number of qualifying payments he has made since XXXX XXXX, 2007. ''
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying since XXXX of 2015 to have this Bank of America debt taken off my credit report. I first contacted portfolio XXXX in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the first time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a week later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (CA)

On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.
Consumer complaint received 2024-08-15
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Im asking for your help with this incorrect account being reported on my credit report. Ive reported this because its been damaging to my reputation, and I need your intervention. Your poor management of my credit report has put me in a very tough situation, and the false reporting has ruined my reputation. You need to correct these mistakes so I can regain peace with my family.
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Now that have disputed Equifax , I am getting letters and phone calls from XXXX stating that they were formerly XXXX XXXX in 2004 and I have not answered their calls because they have been notified by my lawyer XXXX XXXX XXXX ( Twice ) that do not call XXXX XXXX. All questions are to be referred to him.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ProCollect, Inc. (TX)

While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received.
Consumer complaint received 2015-06-01
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Vengroff Williams, Inc (UT)

XXXX XXXX called me on XXXX/XXXX/2015 collecting for XXXX XXXX I explained to them the the account with XXXX XXXX was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to XXXX XXXX. I received the letter from the company on XX/XX/2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XX/XX/2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that XXXX XXXX gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and XXXX XXXX account is null and void due to statute of limitations.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (WA)

The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX Balance : {$0.00}