davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The purpose of this complaint is , I request that XXXX XXXX XXXX,XXXX XXXX formally substantiate account dataXXXX XXXX XXXX,XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX XXXX,XXXX XXXX desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting me.
Consumer complaint received 2019-08-20
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. (FL)

Please reverse the late payments reported for this particular account:XXXX XXXX XXXX  The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, Wells Fargo Bank has reported incorrect infomation on my report. This account has never been late. In XX/XX/2018 Wells Fargo sent me a card I did not apply for and used my infomation with someone else who had the same name. I went up to the Wells Frago branch close to me and showed them the card manager assisted me and apolojized. I filled out a one page form that sttaed I didnt apply for any credit with Wells Fargo. In XX/XX/2018 my credit report shows a late paymnet 30-59 days late. This is incorect.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NV)

XX/XX/2014 my debt of over $XXXX for medical expenses was reported on my credit. I am a veteran since XXXX years old and I’ve  never had any medical bills because the VA gets billed, not me. So please help me get this off my credit and make the VA pay as they should. Or I could just wait for another 3 years for it to expire. My history clearly dictates that I’ve never paid for medical my whole adult life and this hospital trip, stay, treatment is no different. This is the second time filing a complaint with Medical Data Systems, originally held by XXXX XXXX XXXX.  Thank you.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (MD)

On XX/XX/2019 Experian received a notice from me that a different name a social security number variation and incorrect address was on my credit report. I asked Experian removed all address, extra social security numbers and any names that where wrong on my credit file. I showed them proof of my social security number and Maryland State Drivers License which clearly state my name as XXXX XXXX   XXXX and address. All these name mismatch is fraudulent and continues to help people commit fraud using my personal social security number. I own several rental properties and someone is using my information. I disputed this before any they removed now it is back. Please remove all these incorrect names from my credit report.  Report Number: XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I believe in XX/XX/XXXX I contacted Equifax by phone, twice, in regard to their online website. I tried to register my husband and me, online, with new accounts with Equifax for both of us as we were buying a new lawn mower and I wanted to remove a freeze which I had put on 6-12 months prior. I could not create the online accounts. A screen came up with a number to call. When I called the number I got a rep who spoke with a thick accent. He wanted me to verify that my husband was really my husband. I let him talk to my husband. Then he wanted very specific info from me from 20 years ago. I could not remember the address of where we lived 20 years ago. The Equifax rep told me he could not either release the freeze or help me until I gave him exact information from 20-30 years ago! I told him thank you and hung up. I have tried and tried and tried to create new logon info to the Equifax website and the website always gives me a screen to call : XXXX. When I call that number is it the breach of Equifax reporting number and THEY refer me back to the website! This company is horrid, it has the worse customer service ever and I worked in customer service for years and know what is demanded of a customer service rep. Their chat device online gives bogus info. They should not be in business and definitely should not be handling private info for consumers! If you want to get them to do anything, you must send them very private info, driver 's license copy, social security number, through mail. I will not do that. Are they nuts? Please help me do something about this credit reporting company.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (OR)

Stearns Lending from XXXX XXXXXXXX, VA sent me a Notice of Servicing Transfer. In that letter it stated that payments could be made to Stearns until XX/XX/2019. On XX/XX/XXXX I made my normal payment to XXXX online. In their confirmation email, it stated that if it was submitted before 10 pm EST it would be posted that day ( my submission was at 1:27 pm EST ). After about 11 days had passed, I noticed the amount had never been deducted from my account. I replied to their payment confirmation email and received an auto-generated response with a reference/ticket number ( XXXX ). The following morning I called their customer service phone number to check on the status of the ticket. I was informed that they cancelled my online payment because they no longer service my loan. They never informed me of the payment cancellation. 

These are unacceptable business practices. First of all, if a company says they can accept payments through a certain date, they need to honor that commitment. Secondly, if they cancel a payment a customer has made, it is imperative that they let the customer know. 

Finally, my new mortgage company, XXXX XXXX   XXXX from XXXX, IL has not been much better at this point. They did not contact me at all. I had to call them to get my new loan number. 

I am afraid that the business of buying and reselling mortgages has gotten to the point that the consumer is at the bottom of any consideration or sense of responsibility, or moral obligation, by the mortgage companies. Maybe it is time for some house cleaning and harsh fines levied against companies that fail to take into consideration the rights of consumers. 

[ Note : I have not included any documents, but if needed I can supply the Notice of Servicing Transfer, the email confirmation of my payment, and the email auto-replies with the ticket/reference numbers. ]
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/2019 - 30/60/90/120 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-08-02
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. (NJ)

Not enough information to verify a debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On or before XXXX XX/XX/2008 I XXXX XXXX XXXX opened a Capital One 360 Savings Account, and since then in XXXX, Georgia they will not let me have access to my account now Capital One are E-mailing me because they have a Breach in Effect and I want my money for years.And also XXXX XXXX have Funds that I don't have access to
Consumer complaint received 2019-08-20
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: Credit Systems International, Inc. (TX)

I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I placed an application and paid the application fee for the apartment complex XXXX XXXX. However, I never signed a contract or lease to lease an apartment. I only placed a application and inquired about the apartments. The company is now charging me 300+ dollars and because I refused to pay they placed the debt on my credit report. I don't know where this charge came from because I paid the application fee of $XXXX  in full so not sure why they are showing that I owe them anything.
Consumer complaint received 2019-08-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CT)

All I needed was a replacement money order. My money was messed up, couldn't read. It's a rent payment. There are 2 money orders. {$500.00} and the other for {$50.00}. I would appreciate your help very very much.i had waited 31 days for refund. They said they never received my copy 's? Then, I e-mailed them copy 's. I will attach my copy 's now. Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX, Ct I'm a senior so I hope I can attach properly.
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I received credit score alerts from EXPERIAN. Recent score alerts sent on XX/XX/XXXX and again on XX/XX/XXXX (twice). For no reason at all my score dropped 28  points! This should be illegal! Nowhere in there section as to why scores would be negatively affected does anything apply. Literally every month my score changes and drops extremely from the current score for absolutely NO REASON!I do know that once CFPB gets a response from this agency that you close the case and that in itself is shameful as no matter what the agency says, nothing happens! YES, I am EXTREMELY upset as it has taken me a very long time to clear out my credit for things for the most part was not mine. Now, for NO REASON they lower my score considerably and with NO explanation! This needs to be stopped and stopped immediately!
Consumer complaint received 2019-08-20
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)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery engages in fraudulent misleading abusive harassment; I do not owe them any money yet they call and call again from different telephone numbers. Their henchmen mislead, outright lie, strongarm, threaten, and otherwise act like idiot mobsters. I am engaging an attorney and will make them rue the day they began lying to me. Oh and I no longer answer ANY phone calls from unknown numbers as I have been traumatized and abused by these crooks.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new XXXX Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Closed account with credit acceptance corp. still showing up on all 3 credit bureau 's reports. This account has been closed/satisfied for some time now and would like it removed from all reports. Thank you very much.
Consumer complaint received 2019-08-02
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: Professional Medical Management, Inc. (GA)

Ive contacted Financial Recoveries several times attempting to address the accounts on my credit report. Every time I contact them another amount is added to my account. Last time I contacted Financial Recoveries on Friday, XX/XX/2019. I tried to obtain information about the account but they could not tell me anything except for amount they are requesting. I never received a bill stating these amounts. I tried disputing the accounts, sent letters and they were ignored. The account is fraudulent and should be removed from my credit report. What are the amounts for? When did services occur?
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

On XX/XX/2019 I wrote and mailed a check for {$290000.00} to Loancare to pay down my mortgage on my new home in XXXX XXXX. The sale of my condo in XXXX fell through so I didnt want to use that money for this. I called Loancare and was told not to worry because it wasnt a certified check and it wouldnt be cashed. But it was cashed. Fast forward. After 5 phone calls and 4 hours of being held on Hold Im still no where with these people. My requests for them to wire my money back has not happened due to them not requesting the proper documentation at the onset of my request. It has been 16 days since they cashed my check. Ive sent them photos of both the front and back as requested of the cancelled check and still no results whatsoever. Im frustrated and extremely angry as Im losing interest every day that my money is sitting in their hands. I also need that money right now. 

Four hours of waiting on the phone has not a produced a real live person to get this thing resolved. Ive talked to several people earlier but nothing gets done. Dont think theyre crooks ; just inept. 

HELP!!!
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Hi, I called to obtain available retention offers for my Citi AAdvantage credit card and the representative inadvertently closed my account. She misheard my request to listen to retention offers as an authorization to close my account. She did not ask for confirmation to close my account and admitted fault after submitting the closing request. 

Representative name : XXXX XXXX tracking number : XXXX
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (HI)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX   account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.