davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IN)

I have reached out to Midland Credit Management to send me proof this debt is mine. They send a copy of an bill from 2012. They have put a collection on all XXXX credit reports. I asked them to mark my credit reports disputed and they did not do this in 30 days, as I asked. I asked them to investigate. I was turned down for a loan today, due to the collection on my credit report. I was going to file a small claims against this company. I called today at XXXX and asked for their registered agent for Indiana. XXXX said they do not have one. Midland has provided inaccurate information to be put on all XXXX credit reports. This is embarrassing, humiliating and upsetting that I am turned down for a loan with my bank. Midland did not add " Customer has disputed the validity of this item '' on my credit reports with the credit bureaus. I printed all XXXX credit reports and this was not added, like I asked them. I sent them letters, which I have copies of and I have signed certified letter receipts of the letters, showing the dates and signatures.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (CT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the account.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO XXXX XXXX on : XXXX/XXXX/2014
Consumer complaint received 2017-04-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I paid this account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MI)

I refinanced under the HARP program through Well Fargo and I feel that it is a very deceiving program. I have been trying to trying to get a lower interest rate and was turned down several times. I also was refused a 15 year mortgage and was told that I was not qualified. Under the HARP program I was told that I qualified for a 4 % interest rate and my monthly mortgage would reduce by {$60.00} and that I did not qualify for a 15 year mortgage. I also explained to Well Fargo that my unit owners insurance was always personally paid by me and was never included in my mortgage. I was told by Wells Fargo that I could do anything that I wanted to once I finalized the remortgage. ( 1 ) I was charged over {$4000.00} in closing cost, ( 2 ) Wells Fargo refused to let me continue paying my own unit owners insurance, ( 3 ) My mortgage payment was never lowered. I also contacted Wells Fargo with my concerns, they were very nasty and rude. And I was told that there were certain criteria I had to meet. I explained that my unit owners insurance changed from XXXX XXXX to XXXX and they sent a check to XXXX XXXX anyway. As of XXXX XXXX, 2016 I received another letter from Wells Fargo stating that my insurance expired on XXXX/XXXX/2016 and they were going to purchase insurance for me. I have made several attempts to get through to the Wells Fargo insurance division with no success. They are refusing to correct the error and recognize my current unit owners insurance through XXXX. I feel that the refinance under the HARP program is nothing but a scam for the mortgage companies. Wells Fargo will do anything that they can to make money for themselves and not the consumer. I have never missed a mortgage payment and this is how I am treated. If I had of known that Wells Fargo was scaming their good paying customers, I would have never refinanced under the HARP program.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (TX)

I own a small company that has been using American Express credit cards to pay for court filing fees for our clients for over XXXX years. My accountant received a call yesterday from Amex stating that they were reducing our limit from {$280000.00} per month to {$50000.00}. I joined the call and spoke with several managers ( all recorded ) and was told the reduction would take place in XXXX hours, that I could appeal but it would take XXXX days after I compiled the information they require for them to make a decision, and that there was no other options. I asked if they had planned to notify us by mail and they stated a letter was going out that day ( yesterday ). When I asked why they decided to reduce the credit limit with almost no notice I was told we had been late on XXXX payments. I reviewed both payments with them and provided statements from their system that our payments had in fact been made early, not late, and that we had not been late on these or any payments in the past. We are require by the courts to pay for most case filings with a credit cards ( eFilings ). This is a service that we provide to our clients and in most cases the filings are timely and must be filed promptly to meet filing deadlines. Because we were only given XXXX hours notice, we will be informing our clients that we will not be able file their cases until I am able to secure a different credit card with a high limit or get the appeal settled with Amex. We will also see our credit score drop dramatically because the reduction in the line will cause our loan-to-available-credit ratio dramatically increase. I believe this act should be considered Unfair, deceptive, abusive acts and practices as defined by the Dobbs-Frank Act. Had we been given enough time to respond and appeal prior to the massive reduction taking place, the chances of loosing a large client would have been far less. As it stands now we are scrambling to find a new solution and to compile the financial information requested by the underwriters at Amex.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AZ)

In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I disputed the accounts with Experian in which Experian corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX XXXX & XXXX XXXX regarding the alleged accounts. Experian was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditors XXXX XXXX XXXX or XXXX XXXX can not validate the alleged debts?
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.
Consumer complaint received 2015-09-13
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: IQOR US INC (FL)

Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MO)

On my most recent credit report from Experian or which I have a copy, # XXXX, a bogus and long written off medical bill from XXXX that, to the best of my knowledge, was previously removed from my credit file, with the assistance of XXXX XXXX, a department head and supervisor at Experian ( XXXX, fax # XXXX, has appeared again, and is preventing me from applying for a mortgage with ANY financial institution. This item DID NOT APPEAR on my XXXX previous credit reports, numbers XXXX, XXXX and XXXX, but did appear on the last report I originally mentioned. When I checked my credit this morning via the internet, it was still there. As to why to has reappeared, I have no idea. This alleged debt was investigated by all the other credit reporting firms and was deleled, including the most recent being on XXXX XXXX, XXXX by XXXX XXXX and XXXX, XXXX report # XXXX and XXXX XXXX report # XXXX dated XXXX XXXX, XXXX. Copies of this report, Experian 's report that I received, along with other supporting documents were faxed to you this evening following the submission of this complaint. 

As you will see, this alleged debt was totally and unconditionally written off by XXXX on XXXX XXXX, XXXX, so I assumed that would be the end of it. However, when I received another in a series of collection letters from XXXX XXXX this morning, I filed two complaints with your agency, these being XXXX and XXXX, copies of which were fazed to you this evening. 

This has been a seemingly never ending battle with Experian who, prior to the involvement of XXXX XXXX, was totally uncooperative and very arrogant. The tangible evidence is there that this is a totally bogus and baseless debt, which, as I stated earlier, XXXX investigated and removed from its files as did the XXXX other credit reporting agencies. I request that your agency take whatever action it deems necessary and appropriate to force Experian to totally, permanently and unconditionally, remove this item from my credit file IMMEDIATELY, and provide me with tangible evidence of the same, so that I can apply for a mortgage. I have less than 40 days to both apply for a mortgage and close on a house I had planned to purchase until this mess with Experian developed. I, and my XXXX cats, will be homeless if this purchase transaction is not consummated within the aforementioned period. The lender, XXXX, MO has been very understanding about this mess, but the can not process my application until this bogus debt has been removed from my Experian file. 

Your agency has successfully assisted me in the past with credit reporting issues, and I hope that you can again. Many thanks for your understanding and cooperation.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

To Whom it May concern ; For the third time in XXXX years, I have quit receiving my monthly mortgage statement! 
the statement I use to pay my mortgage payment. I generally have to call customer service to order them to start issuing my statement again. the company is : Ocwen Loan Servicing LLC
Consumer complaint received 2022-06-21
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. (GA)

ALSO DUE TO HIPP LAW AND ACCURATED INFORMATION, XXXX AND TRANSUNION ISN'T REPORTING CORRECT INFORMATION ' XXXX REPORTING MEDICARE BILL THAT IS CORRECT PERSONAL INFORMATION, I HAVE RIGHT THAT ALL INFORMATION ON MY CREDIT REPORT IS FILED CORRETLY- THIS OCCURS FOR BOTH XXXX AND TRANS UNION Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX # # # # XXXX XXXX XXXX {$570.00} INCORRECT INFORMATION REPORTING -- due to fraud on my credit report with XXXX AND TRANS UNION, i notice these fraudulent items as inquiries that i would like removed asap, items on my XXXX and Trans union report as inquiries, please remove XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX  CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX CAPITAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX this XX/XX/XXXX1 US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

For the third year in a row Ocwen has sent an incorrect form XXXX for my taxes. This requires submitting an amended return, once they realize their mistake - which costs me money. This year I am holding off on filing my taxes even though I could use my refund. The XXXX I got this year says I paid XXXX in mortgage interest. I do not get statements from them but my principle and interest this past year was XXXX a month for a total of XXXX. When I contacted them in 2015 about the incorrect initial XXXX and having to file an amended return they apologized for the inconvenience. Normally mortgage principle and interest are straightforward calculations easily done by any computer. I do think that their financial abilities should be looked into I find it hard to believe that my account is the only XXXX they manage to miscalculate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (GA)

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.