davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

refuses a mortgage because I filed it online claiming " not available for them- so no assistance '' yet company XXXX XXXX in 5 program in XXXX XXXX  area. switched my payment accounts without my authorization by coercion. repeatedly denies me my XXXX income in a reasonable timeframe-income which is verifiable and guaranteed. advertises 2 day early pay- easy home loans ... truth is company is worse than it was before the govt took action. Corporate said this wasnt WF- this was the old WF-apparenly nothing but the same shenanigans bofa has pulled in the past.
Consumer complaint received 2019-02-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ID)

On XX/XX/XXXX I received a letter from Midland Credit Management stating that XXXX  XXXX/XXXX  had sold their debt to Midland Funding, LLC XX/XX/XXXX. They go on to say that I owe {$360.00} from a debt with the account they bought from XXXX. I never had a XXXX  credit card or account with XXXX. I have read online they are scam and ruining peoples credit. They also go on to say if I don't pay it by XX/XX/XXXX they will report the debt on my credit report! 

I do not want to contact them because online it says once they have your phone number or email they will harass you. 

I also read the FTC paid out over 4.5 million to people that were scammed by this company, ruining people 's credit and harassing them, their employers and family constantly. 

How do I handle this scam and protect myself?
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have twice made large payments. I called and made payments over phone to tell them specifically how to pay the loan once i verified payment amounts. Both times after i paid off loans there was overpayments that were redirected in a way beneficial only to the loan company. First there should have been no overpayment because i called and verified the amount i needed to pay. Second I was not asked how to direct any overpayment. The response from Navient was that there was a way ( well hidden on the website ) where you could select the options for overpayment. The links for this area to select options are impossible to find.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

This account is being reported. I see repetitive CO marks and invalid date of last activity, XXXX shows XX/XX/XXXX, XXXX   XX/XX/XXXX and XXXX XX/XX/XXXX. This is a clear violation of the FCRA.
Consumer complaint received 2019-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a counter response to WF 's response to my original claim filed in XXXX WF is distorting the facts about my loan modification process and not owning the responsibility that because of how they handled the loan modification, this has put me in arrears of $ XXXX that they are now demanding I pay in full or I'll be facing foreclosure. They are refusing to work with me since I filed my initial compliant and as retaliation for filing my complaint. WF need to assume their role and responsibility in putting me in the position I'm in and resubmit my applicable for HUD partial claim that had been previously offered to me.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

This complaint concerns Caine & Weiner Company , Inc. ( hereinafter " C & W '' ) located at XXXX XXXX XXXX, 4th Floor, XXXX XXXX, CA XXXX, telephone number ( XXXX ) XXXX. 

On XX/XX/2019, C & W violated 15 U.S.C. 1692 ( f ) ( 1 ), also known as 808 of the Fair Debt Collection Practices Act, which states that " [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt ... the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The circumstances of this violation are as follows : a ) on XX/XX/2019,  I, the reporter and consumer, called C & W to settle an account it had reported to the credit bureaus under my name, and which it claimed was an amount owed by me. The original creditor was XXXX XXXX, and the alleged original debt amount was {$490.00}. I offered to pay the account in full conditioned by the guarantee that C & W would delete the account permanently and completely from my credit reports. C & W agreed. I provided my credit card number to C & W. C & W, prior to charging my card for the amount allegedly owed, insisted to me that there was a " {$12.00} convenience fee '' that I had to remit in order to make my payment. C & W claimed that I was required to pay {$500.00} to settle the account. C & W had previously refused to provide any verification or accounting of the amount I owed. C & W did not provide any evidence that state law permitted a {$12.00} " convenience fee '' or that the original creditor 's agreement with me provided for a {$12.00} " convenience fee ''. In fact, the original creditor 's claimed amount owing of {$490.00} already included a {$5.00} " installment fee '', and the amount had long since been solidified by C & W and the original credit as the final amount due and owing - and this amount is the amount C & W reported to the credit bureaus.

C & W 's insistence that I pay an amount in excess of this amount is a clear and flagrant violation of the FDCPA, and I suspect that C & W is committing this violation with most, if not all, of its other accounts on which it is collecting from consumers. This deceptive and highly illegal practice must cease at once.

Finally, C & W refused to issue a receipt or confirmation of my payment to me in writing, whether electronically, via mail, or otherwise. C & W issued a " payment confirmation number '' to me, which it asserted was : XXXX. 

Thank you.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (IN)

XXXX, Equifax, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with XXXX, Equifax and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
Consumer complaint received 2019-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I currently have a VA mortgage loan with USAA, serviced by XXXX. These companies are refusing to recognize my XXXX XXXX disabled status which grants tax relief within the State of Tennessee. AS theses laws have been in place for a number of years! 


Attached you will find a copy of the tax bill which reflects the amount due and payable. USAA/XXXX has told me directly that I will just have to depend on the state to return this overpayment yearly! In shorth they have refused to re-evaluate my escrow using the attached bill. 


Please assist me in reducing my mortgage by not paying excessive collections of taxes not due or payable as indicated on the bill!
Consumer complaint received 2019-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MO)

Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX   was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have no knowledge or information about this company and have no contractual obligations what so ever with this company. This company is in violation of FDCPA/ Federal rules of civil procedure. They are reporting this false information and trying to threaten me. 

I have no knowledge or information of any such account with this company.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is the only credit bureau that did not correct the problems in my account after I was a victim of identity fraud. I sent them a letter in XX/XX/2016 with the police report after someone tried to open over a dozen lines of credit in my name. As a result two of these fraudulent address were listed as my addresses and after over two years Experian has still not corrected it. When I saw recently that it was not removed I went through their web site and was given a number to call for dispute resolution. There was absolutely no way to speak to a person and the recording just disconnects if you don't select one of their paying services. I want these fraudulent address removed from my account. This company has set up their systems so that it is frustrating to correct things and they are hoping people will give up. Well I won't.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX XXXX XXXX XXXX dollars was taken from my Chase Bank account from an atm at the XXXX XXXX XXXX XXXX XXXX XXXX Ga location. My debit card was stolen at some point. I never received the debit card nor did I activate it. I told chase bank this information. At XXXX I noticed my account had been used. I called Chase Bank Customer Service to report the incident at XXXX. The debit card was cancelled. On XX/XX/XXXX they put the money back into my account. I was also sent a new debit card. The following month on XX/XX/XXXX they declined the claim and took the money back out of the account. They reversed the claim without properly researching my case. The atm video footage was never checked and the phone number that activated my card wasnt tracked. Chase told me my claim was denied because the claim took place in the same city I live in. I live in XXXX XXXX, ga and the fraud happened in XXXX, ga. The two areas are about 30 minutes apart. Ive never been to that banking center. Chase said the transaction was pin based and wasnt indicated as being comprised but I did in fact tell chase my card was stolen and I did not activate the card. Which makes the pin compromised.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

This account shows on my credit from XXXX XXXX XXXX I have no knowledege of the debt, I asked for verification and validation and haven't received anything. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Consumer complaint received 2019-02-04
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. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I received my XXXX credit card statement from XXXX XXXX. Balance due was {$52.00} and due XX/XX/XXXX. On XX/XX/XXXX I returned an item and it posted to my account for a total credit of {$52.00}. I received my XXXX statement which notified me that I was past due and charged a {$27.00} late fee. I called customer service and was told that I should have still paid the minimum payment due amount on XX/XX/XXXX to avoid late charges and finance fees! I don't know what kind of accounting system they are using, but that is ludicrous. They have reversed the late charge but wanted full payment on my current balance ( which is not due until XX/XX/XXXX ). So I am assuming finance charges are still accruing. I was able to get the fee reversed, so I am happy with that. I've never filed a complaint with you before, but I had to wonder how many other people they are trying to take advantage of. I just assumed that I somehow had missed my payment on accident and was just going to pay the full amount. Thankfully I looked into it, but it concerns me about their credit practices and for that alone I felt this was necessary. Thank you.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I check my credit weekly and today XX/XX/19 I noticed that my credit score for  all three Credit Reporting Agencies had DROPPED approx. 50 POINTS  from the previous week. There was NO DEROGERTY Information since  the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX and Experian were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and Experian and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX and Experian appear not to care ... ...
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (GA)

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 , XXXX XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2019-02-01
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)

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.