davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I applied for a XXXX XXXX modification on XX/XX/XXXX and on XX/XX/XXXX I was approved during a Bankrutpcy Chapter XXXX in which I filed on XX/XX/XXXX. The loan modification that was approved and implemented did n't support my financial hardships and a mortgage payment of {$1700.00} back on XX/XX/XXXX should have been around {$1200.00} with all property tax and home insurance included. Also all property tax and loan fees escalated the mortgage payments to {$1800.00}, {$1900.00} {$3000.00} as I received statements from lender. On XX/XX/XXXX another XX/XX/XXXX modification application was implemented, but it appears that a denial will be in place.The lender investors does n't want to lose money and they are going to lowered the mortgage at {$1200.00} with property tax and home insurance included. The present principal is around {$380.00} and interest {$890.00} with a interest rate at 4.12500. Why is so hard for lender investors to accommendate military veterans and citizens on XXXX XXXX and XXXX? Investors and lenders makes billions of dollars from military Veteran and Consumers. I put my home for sale with a XXXX XXXX Real Estate Agent on XX/XX/XXXX and reduced the sale price from {$340000.00}, {$280000.00} and {$270000.00} because the sluggish sales market and Real Estate home sales downgrading to 12 percent in the areas of XXXX XXXX. Also new construction home builders are making my home sales very tough because they are giving incentives of closing cost paid and many other benefits incentives in XXXX, Texas. I am going to dismiss my Real Estate agent and remove my home from the XXXX. I am going to stay in my home and hope that my XXXX XXXX modification and mortgage is reduced to affordable payments.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NC)

Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.
Consumer complaint received 2017-06-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (AL)

This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
Consumer complaint received 2017-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!
Consumer complaint received 2018-12-08
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: EQUIFAX, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Consumer complaint received 2017-07-01
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. (CA)

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Consumer complaint received 2017-07-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MarkOne Holdings, LLC (AZ)

On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.
Consumer complaint received 2017-06-30
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. (NJ)

I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have wells fargo and I have a couple issues, one being is that i use an app called XXXX XXXX. I use it every 2 weeks so it 's nothing new with my bank and the last 2 times I have had to wait for my bank to send them information. I have been using it for months and had no issues until recently. I have contacted XXXX XXXX and they advised it Is on the bank side. I rely on the this app every pay check and having it delayed now is very inconvenient. I also have issues with their nsf fees. I always watch my bank and what is spent and lately what is coming out of my account to what my balance is showing I have left is completely wrong, they started showing a higher balance remaining in the account than what is actually there and they never used to it. They were very accurate and now I get multiple nsf fees every other week and I can not afford it. I am going to close them the next chance I get
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, 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. (CT)

I am applying for housing because I have changed employers. The apartment property management companies use a third party to score applications, and that party uses Transunion, which reports a " mismatch '' with my information, XX/XX/XXXX. I had been unable to obtain a credit report from Transunion to discover what this means. Online, when I filled in the information to get my credit report, I kept getting 'we are experiencing technical difficulties pop up '. After half a day and repeated calls, I finally reached a person at Transunion who could look at my report and tell me the problem : they have no social security number associated with my name. While thrilled that my information is not being abused, I still ca n't use it. They inform me that I can mail them copies of my id and SS, which takes 3-4 business days to process and another 7-10 business days to update ; meanwhile, more housing apps have been rejected - each of which entails a {$75.00} application fee. Moreover, I see my XXXX report that lists account after account : closed, never late. I have owned a home for the past 10 years and reliably pay every bill, yet when I move for work, my housing application is blocked by an inept reporting company. I tried to file a dispute, XX/XX/XXXX, with Transunion and their page pops up with a 'high volume, try back in 30 minutes ' message, for 5 hours despite refreshing and logging in anew. In the course of logging in, I was able to update my account which had an address from more than 10 years ago. When I try to get a copy of my report, I get a popup that I have already received it, which I have not. The Transunion site states that most disputes are resolved within 30 days, during which time, I 'll be paying XXXX for an extended stay hotel and another month of storage. Who is holding the reporting agency to quality control? I should at least be able to see my Transunion report.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (MO)

I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-10-01
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: CL Holdings LLC (MI)

I had an existing phone bill on my credit report for about 3 years and the claim was legitimate, until I paid the debt on XX/XX/2018. I contacted my bank and asked how I could better my credit score, and they informed me I could pay off old debts. They provided me with all the phone numbers of the companies I could contact. I paid {$74.00} on XX/XX/2018 to XXXX XXXX and I have bank statements that verify my claim. I have provided my documentation to XXXX and they will not display this debt as paid. I do not dispute that this debt once existed, but it was paid in full 15 months ago.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and Transunion. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (NC)

I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (CA)

There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IN)

XX/XX/17 - I applied for an American Express Blue Cash Everyday Card. <P/>XX/XX/17 - I received a denial letter from American Express Blue Cash Everyday Card. They stated American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I informed American Express that I dont remember previously having an account with them and asked they send me a copy of the account ( s ) including : Name of account ( s ), Account  numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - I received a second letter again stating American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I again asked them to submit me proof that I ever had an American Express account by sending me : Name of the account ( s ), Account numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - Again they ignored my second request for proof from a previous American Express Account and stated they would request Experian to suppress the inquiry from my credit report.