davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
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. (FL)

I started the process of consolidating all of my student loans in XXXX XXXX - the process was completed at the end of XXXX XXXX. My credit report is showing that my XXXX XXXX  are late 90 days XXXX XXXX. I have question as to how this could be when in XXXX XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. XXXX & Experian come back with account is verified accurately.
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (TX)

I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas
Consumer complaint received 2018-01-21
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. (PA)

Equifax Public Record Information : XX/XX/2017Public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows. 

( 1 ) Name, ( 2 ) address, and ( 3 ) Social Security Number And Date of Birth Further more if Equifax can not provide documented proof of the above information in full not partial information the said Public information on my Equifax file needs to be Removed/Deleted
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (TX)

I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.
Consumer complaint received 2018-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Ocwen denied me my XXXX Principal reduction program saying I did not get paperwork in on time in a letter written to me on XXXX. Then on XXXX Ocwen said XXXX denied me the principal reduction program. On XXXX sent me a letter looking into it. Then on XXXX sent another letter saying looking into. On XXXX CFPB sent me a letter letting me know my complaint and evidence was sent to Ocwen. O XXXX Ocwen sold my home. 

At the end of XXXX XXXX called XXXX to see if Ocwen sent what was need and found out they did not so I asked for an extention all Ocwen had to do is call and let XXXX they are still working with me. Ocwen did and I got my extention. On XXXX called XXXX to see if Ocwen sent in paperwork but they did not so I asked for another extention all Ocwen had to do is call like they did the month before but instead Ocwen called XXXX and denied me. Ocwen lied about me not getting the paperwork in on time so when Ocwen got the evidence I sent they changed their story and said XXXX denied me. look at the paperwork I am sending with this complant.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (FL)

I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a XXXX XXXX  dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked Equifax to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Equifax did not block or remove the adverse information. I submitted all required documents.
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (VA)

the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

A prospective client found me on my website. He asked for my professional services. I quoted my price and he sent a check that I deposited in my Wells Fargo Checking Account. The amount appeared in the Pending Transactions Window for three days. The fourth day, a Monday, it was in the CREDIT COLUMN. I believed the check had cleared. Fraudulent client asked for money back on Tuesday. Tuesday morning the amount was still in the Credit Column. I sent him {$4000.00} out of the {$5800.00} he had sent as I had already started the work.I had a cashier 's check prepared at 1 PM on Tuesday at a Wells Fargo branch and deposited the money at the bank indicated by the fraudulent client. On Tuesday night Wells Fargo informed me the check had not cleared although it had been in the Credit Column since Monday. I sent the money back believing the check was solvent. By the time Wells Fargo informed me that this was not a check supported by funds it was too late. My question is - WHY WAS THE AMOUNT IN THE CREDIT COLUMN OF MY CHECKING ACCOUNT AND NOT LEFT IN THE PENDING TRANSACTIONS WHERE IT HAD BEEN FOR THREE DAYS? Wells Fargo fined me {$12.00} and takes absolutely no responsibility.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.
Consumer complaint received 2018-01-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DYNAMIC RECOVERY SERVICES, INC. (CA)

I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I closed my account in XXXX 2017 due to identity theft and home burglary. Now the credit card company Citi bank tries to collect {$1500.00} that was previously resolved due to fraud. I do n't owe this amount. Plus, when I closed the account, my balance was {$0.00}
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

American Express - Platinum Delta Credit Card Promotional Offer I enrolled in XX/XX/XXXX to receive a promotion of XXXX delta bonus miles and XXXX XXXX. I qualified for the promotion in the first month. I called on XX/XX/XXXX to inquire as I still did not see any points in the Delta accounts. They opened an inquiry and said it could take 6-8 weeks to resolve. I 've called back twice since then ... since I had not heard anything from them. On XX/XX/XXXX I spoke with a manager, I learned at that time it was a broader issue affecting other card holders. This concerned me because this is the first I heard that ... why are they not proactively informing card holders affected. I requested my annual fee be waived as they did not hold up to the services we agreed to and in addition the interest and opportunity cost they have caused me ... I was denied. About 6 or 7 weeks later they still have no update or time frame in which I can expect a resolution. I am using this tool to file a complaint as I could not find a way to do so within American Express.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I transferred XXXX euro to my Coinbase wallet. On XX/XX/XXXX I received a message that my deposit would be reversed, because " the name of the bank account does not match the name entered on the Coinbase account ''. Coinbase claimed the funds would be returned to the sending bank within 1-2 business days. 

By XX/XX/XXXX the money still had n't arrived at my bank account, so I filed a support ticket, asking when the XXXX euro would arrive. I only received a auto-reply from support. 

On XX/XX/XXXX the money still had n't arrived, so I called their support number and I talked to a support employee called XXXX. I shared with him multiple screenshots as proof of the situation. He told me he was unable to resolve the problem and that my ticket would be escalated to a specialist. They would follow-up with me, as soon as they had an update. Support ticket numbers are # XXXX and # XXXX On XX/XX/XXXX I responded to the ticket, asking for a status update, but still have n't heard back from them and the money still has not arrived.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OK)

X/XX/2018-X/XX/2018. Hello due to returns and online payments I was shown to have an available credit of over {$4200.00}. It said that I still had a balance due of {$140.00} but that never updated and posted correctly. I made purchases on the XX/XX/XXXX of {$280.00} at XXXX, {$370.00} for insurance, a little over {$20.00} on gas, and another {$17.00} on a video service. Now it is showing that I have an available credit of {$3100.00}. I spent close to {$700.00} not {$1000.00}. 

I have tried calling the bank multiple times and they said I could n't have credit over {$4000.00}, but I know what I saw. They also said they charged me {$140.00} even though that should have been paid off due to payments and refunds. They are always late when posting transactions so the available credit never seems to match up with balance allowing them to take extra money!
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd (FL)

I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. 

Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. 

This needs to be removed from my Credit Reports because the information is incorrect and erroneous.
Consumer complaint received 2018-01-22
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. (AL)

I disputed some items on all 3 credit bureau XXXX deleted them all but XXXX and Experian have a few still on there and wont remove them off.