davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas) (IA)

I have been harassed by Berlin-Wheeler, company address XXXX XXXX XXXX XXXX KS XXXX, phone number XXXX, after requesting no further calls. I notified their representative XXXX XXXX about 2 weeks ago ( today is XX/XX/2019 ) that I am homeless and unemployed, having been let go from my last position after missing work following my XXXX being XXXX at her daycare, and the health and mental health care she needed, and my need to attend court hearings regarding the matter, which took me from my duties at my position for 8 non-consecutive days. I am pursuing a civil case against the daycare, and considering contacting the XXXX regarding the questionable moral decisions and possible discrimination on the part of my previous employer. I told this collection agency of my situation, and that I was looking for work, and I would be able to view their account regarding an outstanding balance from XXXX XXXX for the approximate amount of {$110.00} on my credit report, and settle when I was able to find employment. I asked them to note it on their account for me, so that I could focus on re-entering the workforce, instead of being upset over collection agency calls, perpetuated by circumstances that I had no control over, and have been deeply distressing. 

On XX/XX/2019, I received another call from them, to my recollection the third or fourth call ( I had received calls prior to speaking with XXXX XXXX, but do not have the dates ). I spoke with XXXX XXXX, explained to her the nature of my grievance, and asked her for the companys information. 

I dont want any additional calls from this company, and find their repeated insistence in harassing me, after having explained my circumstances, my willingness to settle upon finding employment, and my desire to be left in peace for the time being, both disappointing and repulsive. I dont often file such complaints, but I feel this company has crossed a line ; Im not asking for anyone to lose their job, or be reprimanded by this company, but a written apology or simply not getting any more calls would be enough, as I am already knowledgeable about my delinquent accounts, and have had my stress level greatly increased during a time I should be able to use to care for my victimized XXXX year old.
Consumer complaint received 2021-02-12
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (CA)

I have been fighting for 6 months to get this fraud account from PYOD LLC ( XXXX XXXX XXXX ) off my report with XXXX  and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and Equifax have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to XXXX.
Consumer complaint received 2019-08-14
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. (NY)

Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have tried working with wells fargo but they continue to lose my documents and continue to delay the review. 

On XX/XX/2021 I submitted the 4506t form that they had asked and for over 3 weeks now continue to ask me for the same document. They are just playing games and I need to save my house. I shouldn't have to resend over 3 times the same copy of the document when their document in take team doesn't properly look at documents. 

They have wasted now almost a month waiting for a single form that they already had.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and Equifax. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company Dominion does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I was offered a trial modification by Caliber Home Loans and have made my trial payments within the month, as I am suppose to. However, my May payment was never posted, and I immediately contacted Caliber and requested my Payment to be processed. They agreed and my payment was processed. In XXXX I sent my Payment in, as instructed, and it has not been processed. I attempted to make the payment through the automated payment, but it would give me an error message and I was unable to successfully process my payment.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (AZ)

Apparently when i initially got the loan in XXXX it was a bi-weekly payment of {$19.00}. That first payment was declined and i was never made aware because it was an account i was no longer using. But afterwards every payment was made on time. It was a {$500.00} loan, which was not scheduled to be paid in full until next year. I was in the process of buying a house and my lender advised me to pay this loan off. I paid it off in XXXX. On my credit report it was reporting every payment on time since i got the loan. Every time i called for questions i was never made aware i had a missing payment. Once i paid off the loan they backdated everything and THEN reported me as 30 days late. This caused me to be denied for a loan due to a recent 30 day late. I am wanting this removed as no representative made me aware i was 30 days behind the entire time of the loan. And i feel this is extremely poor business practice. You can see that every payment was made afterwards. Had i known this i would have made the payment. I attempted to speak to Moneylion about this and i get the run around saying to contact the credit bureaus. But i already disputed it and they will not fix it. If this can be fixed i can buy a house. At the time the way it is showing i will need to wait a year from the late payment to buy a home and this is highly unfair. Why would they report me being on time the entire time but THEN report me late AFTER i paid the loan off ... ... ... .. this seems highly fishy ... ... ... ... Please help.
Consumer complaint received 2019-07-03
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. (FL)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (OH)

Having pulled my credit report from Equifax I noticed a fraudulent hard inquiry and previous address. I tried to dispute it using their online dispute tool but it told me it was unavailable and gave me a number to call. After calling the number and battling for a hour to get to a person the person told me that I couldn't file it over the phone and would have to mail or fax in documents to begin my dispute. I called their competitors and they were able to handle my dispute and it turns out the fraudulent information was not on their records. There is no reason in 2019 that anyone should have to mail or fax in documents to submit a dispute something on their credit report. I wish I could take my business away from Equifax but unfortunately consumers don't get that choice.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

In XXXX, XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX XXXX was no longer accepting payments for my mortgage. XXXX XXXX 's information on my loan amount and ending date of my mortgage in totally INCORRECT! I have sent XXXX XXXX 10 pages which shows settlement paperwork, mortgage amount being held by XXXX XXXX XXXX XXXX and then later transferred to XXXX. Both Mortgage and Assignment had been recorded in the XXXX XXXX County Record Room in New Jersey. XXXX XXXX 's letter to me shows the wrong Principal and wrong end date for Mortgage. Either XXXX XXXX sold XXXX  XXXX a LIE or XXXX XXXX is LYING. One of the two banks has definitely screwed up my Loan. How can a 30 year mortgage which began in XXXX end in XXXX when the ending date is XXXX. How can the balance be over {$76000.00} more than is owed? This is a SERIOUS PROBLEM! And it needs to be resolved.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I Express mailed Qualified Written Request '' QWR '' to XXXX XXXX XXXX, XXXX. as the lender and Trustee and to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX another Trustee. 
I only heard back from XXXX XXXX bank stating they would forward the QWR to the servicer. I never heard another word from anyone.
Consumer complaint received 2019-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XXXX XX/XX/XXXX I received a Three Credit Agency Report and noted a significantly lower score reported by Equifax ( XXXX ), than scores reported by XXXX ... ( XXXX ) and XXXX .... ( XXXX ). Studying the 3 reports I noted that Equifax reported inaccurate ( high ) balance information on a revolving charge ; and listed two addresses which I have never resided at nor used. 
On XXXX XX/XX/XXXX I sent a letter to Equifax addressing the discrepancies noted above. I included relevant facts and identity documents. 
On or about XXXX XX/XX/XXXX I received a reply from Equifax dated XX/XX/XXXX stating " We were unable to locate a credit file in our data base with the identification you provided. '' Well, the identification I provided is the same identification they use to develop my credit score. 
The additional requirements from Equifax are superfluous. They already have the data. Requiring me to send and/or resend additional Personal Identification items carries a significant risk of compromise of my personally identifiable information. The simple fix is for Equifax to update my records and purge the incorrect addresses based on the information already supplied to them by my banks and creditors. 
Prior corrections sent to Equifax in XXXX and XXXX were acted on to my satisfaction. I don't know what their problem is this year.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP (NY)

This following matter is in regards to the company of Selip & Stylianou , LLP. 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told Mr. XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WI)

Yesterday on the XXXX of XX/XX/2019 I spoke to a customer service representative at the American Express serve customer care center at XXXX XXXX. 
this customer care representative looked up my account card number XXXX XXXX. 

I informed him that there was a fraudulent transaction yes it was declined but it was on it was it was it was in the email notifications that I got not linked to the transactions on the phone system or the online system I couldn't feel it but it wasn't I got an email notification. 
after I inform you of this I have asked him to can't close the card and issue a new one unfortunately said there was a fee I disagree with that that I should have to pay that fee because process the change of a new card because it wasn't my fraudulent charge so he put a temporary lock on the card so that that merchants couldn't try to use it again that does not satisfy what I want as an outcome.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

A service provider for a doctor tried to over bill me without authorization. I had stated in writing to my doctor that no third party service providers especially ones out of network were authorized to be used without prior approval. A company called XXXX XXXX XXXX  started billing me without any authorization. I spoke to them and disputed not only the fraudulent nature of the service and they they had no right to bill me since I was not notified nor approved their service as required in my agreement with my doctor 's office. After acknowledging the dispute they submitted it to collection company CMRE Financial Services.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2019-08-15
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original sign

ed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my
ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-15
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This is a complaint to follow up on cases- XXXX XXXX ; XXXX. 
These complaints above mention. There is a person that I have spotted 3 time. The person was taking photos of me at the gym. Trail me from the gym to my house. The person is white male, tall, with a beard. Yesterday he was driving a blue pick up truck. When I took a look at him he cover his face. The same person was again this time I was going to the park and the same person again this time he was driving a blue versa. Just now I was going to my a person with a same description was jogging around my house.

It since that this is a tactic used to intimidate me. I have file a police report. The police told me contact them a soon as you see him around my house.

I looks this is an intimidation tactics from Midland collection that are trying to collect money I dont owed. I am affraid for me and my wife. I filed a police report.

There was disputed with midland collection. They asked for a 60 days state. Maybe they wanted time to contact private. I hope CFPB to action in this matter I am affraid for me and
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I purchased my home in XXXX of XXXX. NewRez took over my loan from my original mortgage company in early XXXX. Loan # XXXX. My property taxes are approx {$13000.00} per year. In XXXX of XXXX New Rez raised my payment amount from {$2400.00} to over {$3600.00} per month. After multiple calls and inquiries they explained that my taxes were increased by this amount. I spoke with my township and they assured me that they did not increase. NewRez is misreading my bill. They saw an adjusted bill for the portion of XXXX when I lived there and added it to my total bill. I pay my bills electronically and set up all payments well in advance. My payments were short before I noticed this in XXXX of this year. NewRez has refused to contact my township and will not refund penalties and late charges. In addition, I have asked them in writing to cease all escrows and allow me to pay my taxes separately. They so far have refused to do so. In addition to the unfair charges ( {$250.00} ) this has negatively affected my credit rating. 
XXXX XXXX