davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (MI)

I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with Stenger & Stenger law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't  have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.
Consumer complaint received 2020-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

This is on Professional Credit in XXXX XXXX. 
Ive made several attempts with XXXX XXXX in XXXX and XXXX. I asked for a detailed invoice statement to get a a loan from my XXXX at the company I worked. The first rep said she was sending a detailed invoice via email. She sends a broken link with no invoice. I call in and she lies claiming it takes a few days for the link to the invoice to load. It never works. I call back in and she claims she has to get authorization from her manager and never resends the link. I also asked for a paper statement she claimed that they they could never send that out. Now after several attempts by email to get my invoice and pay the amount in XXXX I finally received an e-mail in XX/XX/XXXX in the mail for paying the full amount Ive been making monthly payments on all along. 
This company is crooked and when you try to pay the debt they dont even answer at their call center or via email to pay. If you do get a hold of someone they are worthless for getting you the information you need This bill was {$1100.00} I payed down. It was a medical bill on my daughter who was premature born and had breathing & eating difficulties. They sued me in court for this.
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage with Wells Fargo back since XXXX and have never missed a payment. In XX/XX/XXXX I went to the branch located in XXXX  XXXX CA with my payment slip, as I always do each month to make my payment at a Wells Fargo branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from Wells Fargo my loan had been sold. While I was at the back I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( which that address did not exist ) and she also told I would receive a letter from Wells Fargo and a new loan welcome package. I never received either. The only information I received was a one page letter dated XX/XX/XXXX from XXXX stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter and I would receive information from them within 30 days. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX XXXX XXXX, Wells Fargo or XXXX. I have sent several certified letters to XXXX, Wells Fargo and XXXX XXXX XXXX XXXX XXXX but no one has responded. I sent several letters to Wells Fargo Including my XX/XX/XXXX thru XX/XX/XXXX mortgage payments at : Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX and Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my XXXX mortgage payment inclosed and a copy of the letter I received from XXXX dated XX/XX/XXXX. I never received a response to my letter.
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (PA)

On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. 

On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. 

Today, almost 30 days later, never received verification of debt.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTECH DIVERSIFIED, INC. (TX)

The collection debt was covered by XXXX, i reach out to the company yo have them to validate the debt and they told me they would not and that i owed it. I explained when i called them that I had medical coverage at the time and that i shouldnt have to pay that debt, they were rude and refused.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Signature Bank (NY) (NJ)

We are a regulated mutual fund. 
Signature Bank opened the account on XX/XX/XXXX, after a process that lasted 2 months ; the account was funded with $ XXXX shortly thereafter with a transfer from our own account with XXXX. On XX/XX/XXXX Signature sent a letter stating that the account will be closed on XX/XX/XXXX. They didn't provide any explanation for that. 
We contacted them by email and phone but they didn't explain the reason for their decision. 
I talked on the phone with Mr. XXXX XXXX, " Senior Vice President and Group Director '', who arrogantly told me that " compliance would not disclose the reason '', and that we can tell to our investors " whatever we want '' about this problem. He added that " banking is a privilige, not a right ''. 
The only activity carried on on the account was that first incoming wire from our own account with XXXX bank. 

We would like to know the reason why the account was closed. By knowing it, we could find a way to remedy if there is something wrong or something that the bank doesn't like. 

With this action the bank is causing harm to our investors, who are facing huge losses as a direct consequence of the closure of the account ; this also has consequences on the sales of securities in the USA. We believe that while a bank has the right to close a customer 's account, it also has a fiduciary duty towards its clients and in general towards investors and the marketplace.
Consumer complaint received 2018-08-24
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. (TN)

On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.
Consumer complaint received 2020-09-12
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. (FL)

upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!
Consumer complaint received 2020-09-12
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)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

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. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2020-09-13
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: Experian Information Solutions Inc. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (VA)

I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for  classism and racism.
Consumer complaint received 2020-09-13
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: TRUIST FINANCIAL CORPORATION (IL)

Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX  credit score (  over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX REGIONAL ACC XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX/XXXX  XX/XX/2020
Consumer complaint received 2020-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I made a payment in full of {$2600.00} to Huntington Bank in person to pay off the loan on my car. Almost a month later, Huntington Bank took {$350.00} from my account for the car loan. The loan was not available to view online, and the banker told me the payment I made in full was all that was due. I contacted customer service with Huntington Bank who informed me there was no record of the transaction. They filed a case, and sent me a letter in the mail saying they could not find a record of {$350.00}. This was not the exact amount I gave them, and my bank ( XXXX XXXX  ) says Huntington took the money.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (UT)

I was contacted on Saturday XX/XX/XXXX by XXXX XXXX XXXX. I was threatened by the agent and harrassed by being called several times over a debt that has nothing to do with me.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (GA)

XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! 

Should be removed XXXXXXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXX  never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out XXXX!
Consumer complaint received 2020-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX  XXXX  {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC. (FL)

This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something. 

The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account. 


Someone from the CFPB needs to look in to this.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (UT)

I called the number on my card to let them know I hadn't sen my card in over a week. So I wanted to cancel that card and get reissued another one. During this process the automated system asked me if I had made certain purchases. I had not made the ones that were mentioned so it had me file a dispute. When talking with the person on the phone I explained that I had only used the card for a few things IE : car insurance, health insurance, food delivery. He asked me if I had any knowledge of a credit for {$40.00} and I told him yes because I had gotten an email from XXXX a few days prior. So he told me what to do next and gave me a reference number. After a few days my new card was sent to me but I was unable to activate it as it said my account was blocked. Then I received a letter that my claim had been denied. SO I asked for the paperwork that they based their decision on. And the reasons dont make sense. So now I am hoping you can help.
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately