davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX, in their respective states if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information XXXX! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Nation star has increased my escrow by {$60.00} so I will have excess in my escrow account. I refused to pay over my payment amount. I have made all my payments on time since I 've had this loan. This loan is a modification due to the fact I am XXXX. According to their paper work they sent me. I am paying the proper amount of escrow. {$140.00} that covers the amount of tax and ins. XXXX. I received a phone call from Nation Star not a notice. That they have suspended my account and if I did not make the payment it could result in forcloser. I do n't understand how they can force me to pay over my escrow amount that I do not owe. Then foreclose on my home because I will not. I am XXXX and I am on a fixed income. From reading the comments about these practices it looks like this organization looks for people like me. From what I understand this practise is used to let the individual not make XXXX payments then start forecloser procedings. The person owing the money does not have the funds to pay the jacked up charges so Nationstar forcloses on the home. They are looking for homes with equity that they can turn over. I hope this is not true. I still want to believe businesses are honest. Thank you for your time.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

On or about XX/XX/XXXX/. XXXX, 2023 I received an alert, stating there was an unusual login someone was trying hack my account so I contacted cash services to report the problem. The Hacker then proceeded to change the phone number and email address and so forth. I was able to catch it and change it back and when I reported it to the cash support they put a hold on the account for 24 to 48 hours and was told that I could access my funds after this time when I went back in to do so, it would not let me and I was not able to access the account since Ive tried contacting them on numerous occasions and no ones able to help me with the problem and isnt able to provide any information or how to resolve the issue to retrieve my money that was on there
Consumer complaint received 2017-05-19
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: Experian Information Solutions Inc. (GA)

I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and Experian are still reporting the account. Experian says it will stay on reporting until  XXXX . This account should be gone from my records.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage has insisted for over a year that I have insufficient flood insurance despite the fact that I have provided proof. Nationstar deducted from my escrow a payment for supplemental flood insurance and when I contested this they refunded the money and agreed I had sufficient coverage. Nationstar recently started up again claiming insufficient flood insurance and they are deducting from my account again to pay a supplemental policy. I have tried repeatedly to solve this problem, but to no avail. Can you help? They are stealing from me and are a disreputable company.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-20
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)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I attempted to file online with Transunion but their system would not allow me to enter my complaint issue. I sent a letter but have not heard back. There is an entry for a XXXX charge that we notified Transunion was incorrect back in 2012. It is still on my credit report. XXXX represents XXXX XXXX insurance. We have not had this insurance according to our agent, and according to our local agent all our insurance is paid and paid timely. This XXXX item on my credit report resulted in our local bank going up XXXX percentage points for the interest rate on a personal loan.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Avadyne Health Holdings, Inc (IA)

I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. 

In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.
Consumer complaint received 2015-04-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services (OH)

I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

transunion is currently reporting a paid and closed account on my credit file as - current status : 120 days late - this account was paid and closed XX/XX/2014- the current status should be paid and closed not 120+ days late i tried applying for credit and i was told i have a current 120 day late reporting as current by the creditor. This is incorrect and false reporting and a current late is very damaging to my credit file. I 'm working very hard to better my credit and this current status reporting is very damaging and misleading to the creditor. 

XXXX XXXX Current Status:120+ DAYS PAST DUE
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Lockhart, Morris & Montgomery Inc. (MS)

XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (AZ)

I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RentDebt Automated Collections, LLC (OH)

I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Army and Air Force Exchange Service (FL)

XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eltman Law, P.C. (NJ)

I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gatestone & Co. International Inc. (GA)

I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (FL)

The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tate and Kirlin Assoc (CA)

I received XXXX pieces of mail from Tate & Kirlin Associates, Inc, XXXX, XXXX, PA XXXX. I believe this debt collection to be fraudulent because the creditor is one I have never heard of. 

Additionally I have tried to get in contact with this company via both phone numbers listed on the bill as well as the company 's website. All attempts have failed.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

IC SYSTEMS IS STATING ON MY XXXX CREDIT REPORT THAT I OWE XXXX ON ACCOUNT THATS NOT MINE.PLEASE HAVE IC SYSTEMS PROVIDE VALIDATION OF THIS DBT THAT I OWE OR REMOVE IT FROM MY CREDIT REPORT