davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
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: Ad Astra Recovery Services Inc (TX)

Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX
Consumer complaint received 2019-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) Experian - after filling out the required form, I am sent to Experien 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH EXPERIAN 'S PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from Experian and the other 2 .... WHAT THE XXXX  GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CA)

The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Receivable Solutions LLC (FL)

In XX/XX/XXXX, in South Carolina, I was involved in a motorcycle accident. I had full coverage on my motorcycle, provided by XXXX. I am also a XXXX XXXX and was at the time of the accident as well. I was transported to the emergency room by ambulance, in XXXX, SC. Instead of XXXX XXXX XXXX XXXX charging either my XXXXXXXX XXXX coverage or my motorcycle insurance, they charged me. I have been at bat with this company for the last XXXX years. Most recently on, or about XX/XX/XXXX, I had a XXXX XXXX representative speak to " Receivable Solutions '' on my behalf in a conference call with myself, the representative, and the agent from Receivable Solutions. 

The agent, who would not even give me his name, told me that they billed me. The XXXX Affairs confirmed, they never received a bill. If they had received the bill at the time, it would have been paid. The VA representative asked for this " medical debt '' to be taken from my credit report, due to the billing issue caused by " XXXX XXXX XXXX XXXX '' and not me, the XXXX XXXX. The other reason was the age of this medical debt. 

The agent was probably one of the most rude individuals I have ever had the unluckiness to speak to. He would not budge, from where Receivable Solutions was standing. He insulted me and the representative from the XXXX XXXX XXXX. This was a billing issue with the XXXX XXXX XXXX XXXX, they could have easily billed my insurance or billed the XXXX Affairs. I was just in a XXXX XXXX, I had no control over what paperwork that needed to be filled out. I had no cognitive function at the time to be capable of fixing this discrepancy. Since then, I have tried my hardest to get this off my credit report. I had not XXXX, but XXXX fail safes in place for medical at the time of this accident. INSURANCE VIA XXXX and XXXX XXXX VIA THE XXXX XXXX. They billed me, a XXXX XXXX Instead of billing my XXXX XXXX benefits or my motorcycle insurance. I want this resolved, it has held me back long enough. 

They are now saying my taxes will be garnished for not paying the medical bill. This was their own fault for taking advantage of an individual who was just in a XXXX XXXX and could not speak. You would think if an individual comes into an XXXX XXXX  via XXXX, they would assume that the person had at a minimum vehicle insurance. A XXXX XXXX, who signed the blank check, has a medical bill issue and is getting harrassed every day, I guess this is the America my brothers died for.
Consumer complaint received 2019-05-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MO)

The apartment complex, XXXX XXXX XXXX & its agent, XXXX XXXX at XXXX, make the unlawful and fraudulent claim that I owe them {$2100.00}. I was physically attacked by one of their residents, XXXX XXXX ( aka XXXX XXXX ) in XX/XX/2018. Because of that, XXXX XXXX and XXXX XXXX attempt to misrepresent that I, as the victim, was the attacker and deserved to be attacked. They have sent a bogus claim of {$2100.00} to a debt collection agency, National Credit Systems , Inc., XXXX XXXX at XXXX. Each time that I write National Credit requesting that they validate the charge, they respond back with a picture of a " TOE '' and pictures of other images unknown to me and disputed by me. Instead of validating the claim at my insistence, XXXX XXXX, XXXX XXXX, and National Credit create more untrue and bogus lies to try and justify the above said amount. This erroneous information now wrongfully lies with the credit reporting agencies.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CALIFORNIA RECOVERY BUREAU, INC (CA)

I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now XXXX of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

Since I emailed the following, Ive spoken to lender. Per point of contact, they refuse to negotiate on the interest rate. If they would lower the interest rate, it would be more in line with what I was told before applying for remodification, and more affordable. 

From : XXXX XXXX <XXXX> Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : IMMEDIATE RESPONSE NEEDED RE : LOAN # XXXX ; LOAN MODIFICATION ; Dear Shellpoint Mortgage Servicing ; I received the Loan Modification Agreement packet today, XX/XX/2019. I've had a chance to review it, and I have to say that I'm very concerned/shocked at the terms stated. 

Here are my concerns and unacceptable terms : 1 ) The purpose of the modification was to lower my monthly mortgage payments since I'm now widowed. I was told by my previous Point Of Contact ( SPOC ), XXXX XXXX, that a modification would lower my mortgage payments. This agreement states they'll be higher. 

2 ) My late husband is still listed as Non-Obligor on the agreement. I'm not sure of the significance of this. Please advise. Per your request, I've sent you a copy of his death certificate twice : once with the application for loan remodification ; and a second time via FAX # XXXX. 

3 ) I have a current interest rate of 3.75 %. This remodification agreement has gone up exponentially to 4.625 %! It is unacceptable to 1 ) increase my interest rate, and 2 ) if this is due to credit score, XXXX XXXX told me that any drop in my credit score due to death of my husband or my finances has no bearing on this remodification. The current average 30 year fixed mortgage rate of 3.75 % to 4.05 % is substantially less than what you've stated on this agreement. 

****This new agreement must at least match or slightly increase on what I'm being charged now : 3.75 %. This will lower my payments. I feel as if I'm being taken advantage of as a widow, and of my circumstances. After all, lowering my monthly payment was the main purpose of going through this arduous ordeal. 

4 ) The trial period plan stated that my first payment under the new remodification would be in XX/XX/2019 which was reiterated via phone call with my SPOC. This agreement states the first payment will be due in XX/XX/2019. 

Please get back with me just as soon as possible to remedy the concerns as I have to get this monthly payment and interest rate lowered. 

Thank you for your prompt attention to this very important matter ... .. 

Sincerely, image1.JPEG XXXX XXXX XXXX XX/XX/2019 cc : Consumer Financial Protection Bureau , XXXX XXXX XXXX, XXXX IA XXXX ; Bureau Of Consumer Protections , Federal Trade Commission , XXXX XXXX XXXX , XXXX, Washington DC XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Consumer complaint received 2017-09-13
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. (PA)

i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Consumer complaint received 2019-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX, the holder of my mortgage since XX/XX/XXXXincorrectly reported 4 late payments on my mortgage payment. The attached Trans Union credit report clearly shows that each month there were payments made in the equivalent or greater than the scheduled payment. Each month although payments were made XXXX XXXX reported and Trans Union posted 30 day late payments. This has had a financial impact on me personally due to the significant credit score impacts.
Consumer complaint received 2017-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I received a letter from Wells Fargo in XX/XX/XXXX stating that they have charged me late fees for the months of XX/XX/XXXX and XX/XX/XXXX. They further stated that the late fees were for payments received on the XX/XX/XXXX of the month. This is contrary to the monthly statement, ( a legal document ) which is sent out by Wells Fargo which clearly states that late payments are those that are received after the XX/XX/XXXX of the month. I have attached and circled a monthly statement showing where Wells Fargo is saying that late payment is after the XX/XX/XXXX of the month. This lines up with the terms of the VA loan at close. 
It is not true that I was late either of those months, and both payments were received on or before the XX/XX/XXXX. In fact in nearly 10 years of payments, I have only one payment that showed up a few days late. In the month of XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX and in XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX, both on time according to the monthly statement furnished by Wells saying late after the XX/XX/XXXX,  which again is in-line with the terms of the VA closing contract That contract has been made available before here at CFPB during the 3 years of complaints lodge here against Wells Fargo.. 
Over the past 3 years XXXX XXXX has been many things in its relationship with me, but professional is not a term I would choose. Every month they send late statements before the payment deadline. They use that to pilfer the very solvent escrow account by taking money that would otherwise be place in escrow and put it in an undeclared funds account. They manufacture and enable this misapplication by pretending that the account is late, when in fact is its not late until after the XX/XX/XXXX according to both the Veterans administration and Wells own statement, ( see attachment ). 
They have back tracked numerous occasions, including having to restore miss appropriated funds, falsely billed for shortages then a few months later and send me checks for overages. These backtracks only happen after Wells burdens me to complain and escalate those complaints before they act. They have been inconsistent and certainly not meeting the bar expected for accounting professionalism and ethics. I am, like many others, without trust in Wells Fargo, due to the lack of honesty and their abuse of laws. I really dont understand why the Federal Government continues to do business with them.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

While making a purchase at Kohl 's, the cashier asked if I had a Kohls credit card to help save money. I said I did and apparently the account was closed due to inactivity, which I was unaware of at that time. The cashier then had me confirm my information on the key pad and reopened the account without my permission. The purchase was charged to this account and the cashier told me there was nothing he could do to reverse it. I was under the impression I had an account and was trying to receive a coupon. I did not want to open a new account or charge the purchase as I was making the purchase for the company I work for. They opened a new account without my permission. I tried to resolve this issue with them by phone and was told there was nothing they could do but close the account. I did not want to open an account as it will affect my credit score. I would like this account off of my credit report, as it is not one I authorized to be open.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Equifaxed leaked my data due to their negligence, and I have to pay {$30.00} to freeze my credit to protect myself from their mistakes. I will have to pay again to unfreeze. Equifax needs to be liable for all individual 's whose data was leaked.