davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute along with a FTC report to XXXX and EXPERIAN on XX/XX/2022 letting these companies know these accounts are fraudulent. They removed these accounts on XX/XX/XXXX and XX/XX/XXXX from my report. These accounts have been re-inserted on my credit report. My federal protected consumer rights are being violated due to the fact these accounts are fraudulent and also according to the FCRA I am suppose to receive a 5 day notice before re insertion prior to doing so and I did not receive anything.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I applied for XXXX loan forgiveness for the remainder of my federal loans, after working in a XXXX for XXXX full-time consecutive years. My application was denied because part of my loans, which were consolidated in XXXX, was from prior to XXXX XXXX, XXXX. Most of my loans are from after XXXX through XXXX. I do not think it is fair that I have met the qualifications, and I 'm being " punished '' by a denial, because part of my overall loan is from before XXXX XXXX, XXXX. Consolidation is not a part of the language of the law, and consolidation is a natural, financially savvy way to save money on loans and/or debt. Essentially, I was told that I 'm being denied because my loans are consolidated with whatever loan is left from prior to XXXX XXXX, XXXX. If I never consolidated, then, the loans from after XXXX XXXX, XXXX could be forgiven. I do not think this is fair, and also, it seems I have a valid argument here, because the law does now mention consolidated loans. Also, the new date on the overall loans is the consolidated date of XXXX/XXXX/XXXX, so why is that not the date of the loan forgiveness?
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.
Consumer complaint received 2017-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. Thank You
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (GA)

This company has repeatedly reported this collection on my consumer credit reports and will not provide proof of this account. I have reached out multiple times requesting proof that I owe the amount stated for multiple years and still no response. I have been trying to dispute this account and the company keeps saying it is accurate. I have also requested a copy of the original contract that I physically signed, supposedly agreeing to their payment terms when I opened the said account, but this company has not provided it. The said amount is XXXX stating the account was opened in XX/XX/year> which is inaccurate and unverifiable.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, my account balance was over $ 4k. On the same day, my husband 's paycheck, which is normally received via direct deposit, was delivered as a live check by XXXX at XXXX, due to payroll processing issues on the part of his employer. The BBVA branches were closed, so we deposited the check via the mobile deposit app. The bank put a three day hold on the check and after calling to request the hold be lifted, they denied the request. This was a payroll check and by law they can not hold the funds.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, 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. (MI)

On  XXXX   XXXX ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.
Consumer complaint received 2017-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I paid off Bank of America credit card on XX/XX/2022 and bank is still charging me {$4.00} in interest. Total payments I paid that month was {$4000.00}. 


Thank you, XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 
Accounts : 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, has violated my rights. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: CNG FINANCIAL CORPORATION (FL)

Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need two forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A credit account from XXXX  XXXX XXXX has been added to my credit, it does not belong to me. 
There have also been several credit inquiries that I have not made. 
I believe the person whos account is lowering my score has the same name as me.
Consumer complaint received 2016-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Eastern Account Systems of Connecticut, Inc. (AZ)

XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.
Consumer complaint received 2022-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for XXXXXXXX XXXX for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing XXXX to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, Experian. XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by XXXX refering to an inquiry instead of the disputed non-public personal information alleging to be the Credit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Problem with Lakeview Loan Servicing , LLC. Every year I have to send them proof of Insurance on the home that I have a mortgage on. I would not think this should not be such a problem. I have been there with my agent as he or she sends in the needed info. but things a getting lost in the shuffle at Lakeview Loan Servicing , LLC each year. last year they bought insurance coverage and billed my account until they found their goof. then credited back to my account. Now they sent me their second and final notice before they buy insurance again for me! we have sent them the needed info twice already. I have tried to call them several times today, can not talk to a person. Seems to me they want me to buy insurance only from their selected insurance company. HELP PLEASE! 

XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (UT)

I placed this order through XXXX for delivery. After placing the order when my alloted time for delivery got near I got emails showing order was delayed this went on for XXXX + hours XXXX chatting with customer service if I could just pick up or cancel the order XXXX promised that it would be delivered within XXXX hours which was pretty crazy since this was actual groceries. I waited and XXXX hours passed I again chatted in and they gave lots of push back for canceling the order but due to the amount of time I had waited they agreed to cancel. Nothing was delivered because it was canceled, the pending charge never dropped from my account so I opened a dispute once it posted. Wells Fargo again denied the claim
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (FL)

I am having troubles with Equifax to verify my identity since XXXX. They asked me to mail a copy of my documents ( ID and SSN ) and a cover letter, what I did. I even put a tracking number thru XXXX and I saw they received my documents on XX/XX/XXXX. They said would take 5 business days to work on my documents but since then I am trying to solve this issue and they say that there are no documents on my file. What is pretty irresponsible because those documents contain sensitive information. I want to unlock my credit report that has been on freeze forever but I am just not being able too because of them. They are not helping me and it has been such a hassle. I dont have access to my credit report and they just tell me either to wait or mail my documents again, what I am not going to do because they have to take their responsibility. And about waiting it is all that I have been doing for almost a month already and I got no answer from their end.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a car loan with XXXX XXXX XXXX where I pay the vehicle valued {$15000.00} since XXXX to present, a total of 104 payments of {$220.00} bi- weekly my last scheduled payment with XXXX XXXX XXXX will be XXXX XXXX XXXX 
Amount owed XXXX is {$3500.00} approximately. 

XX/XX/2022 I called trans union to make a dispute on a inaccurate balanced reported on my credit by XXXX XXXX XXXX, Trans union made a request to clarify this dispute and no answer from XXXX XXXX XXXX was provided on the time frame of XXXX within request, the credit bureau cleared the account history from my credit report file due to such events it decreased my score by XXXX points approximately, I reached out to XXXX XXXX XXXX multiple times to incorrect credit balance reporting to solve this manner by reporting the correct amount of the loan debt owed, for the past XXXX I reached the local XXXX XXXX, each of the occasions I reached out the representative stated to me that XXXX was going to get reach out in a 5-7 business days by XXXX to follow up, no calls were received from the time stated time frame as stated I reached back to XXXX XXXX I was informed that she send the letter to the bureau representative I called that same day at XXXX I was notified that no letter was sent from XXXX XXXX XXXX to reinsert the loan account balance I reached XXXX XXXX to follow up and the agent told me that the manager send the report to the wrong account that they were going to try to solve this problem some time by the next following week. All I want is for XXXXXXXX XXXX XXXX  reports the correct debt information to the credit bureau by submitting a reinsertion letter wish the have failed to do so for the past 47 days.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I had identity theft on my social security number, name, and my personal l information such as different addresses. Which compromised my credit report being hindered and myself taking a hit on my social and name. Which is defamation of my name and character.
Consumer complaint received 2024-10-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX