davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.
Consumer complaint received 2023-01-06
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: I.C. System, Inc. (OH)

On XX/XX/XXXX of XXXX a {$120.00} charge from a company/organization called " IC System '' was placed on my credit report in the collections category. I've attempted to reach out to this organization to get more information on the actual debt, but did not receive a response to any of my contacts. In addition to this, I wasn't notified of this debt prior to it being placed on my record. In XXXX of XXXX I was finally able to find the source of the debt when I submitted a dispute to XXXX. XXXX ( the internet provider ) placed a {$120.00} collections from my account that is up-to-date on payments and was just recently closed out. I reached out to XXXX in an attempt clear up the issue, but the representatives that I spoke with were unable to locate the {$120.00} charge that is supposedly owed. I am a XXXX XXXX  who is already having credit troubles due to changes in my family 's financials and something like this makes it impossible to secure leading to continue my schooling. I appreciate any and all help that the CFPB can offer.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (LA)

In XX/XX/2019 I placed a complaint on Republic Finance website about them calling my job and I asked them not to call my job it was embarrassing. Someone called me back several days later I think his name was XXXX and he said no one would call my job again and I could do my business in the XXXX XXXX office instead of XXXX. Well in XXXX someone called my job and again on XX/XX/XXXX. They said they were calling to verify employment for garnishment. I was only one payment due not even 30 days. Then today XX/XX/XXXX someone called again from XXXX. My supervisor is the one who answered the phone which was completely embarrassing and I feel like it is a privacy violation because now everyone at my job knows I have a loan with them and is obviously past due. This is why I asked for them not to call my job the 1st time by phone and by the online complaint. I told the woman that called today that I have asked them several times not to call my job and she basically kept on and would not end the call, I had to hang up on her.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.
Consumer complaint received 2020-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

After being in an XXXX  relationship and living in a shelter for XXXX  women, I decided to rebuild my life by trying to purchase a home. I reviewed my credit only to find negative, incomplete and inaccurate reporting by Midland Funding. I have not done business with this company and so, I wrote, called and emailed them asking for information about the account being reported. When I talked to them on the phone, they stated that there is a cease and desist order on my file, so they can not give me any information or write to me or tell me what is going on with this account. However, I have an email from them indicating that I have given them permission to communicate with me through email in order for me to be able to review the account information. However, I have not received anything from them and they continue to ruin my credit. This has been ongoing for about 4 months without the company sending the information for me to sufficiently establish the payment obligation. I have not been provided with an itemized accounting detailing the transactions in the account that have led to the debt, even though I have repeatedly asked for this information.
Consumer complaint received 2020-04-14
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)

I was miss-charged by a company on my XXXX XXXX credit card. The company was taking excessive time ( over a month ) to correct the issue. I filed a dispute claim with XXXX XXXX for a fraudulent charge. XXXX XXXX corrected the matter with the company and I was charged the correct amount ; which was less than 1/3 of what they originally charged. The overcharge caused my credit score to drop by about 30 points because it almost maxed out my card. I informed Experian of the matter, by opening an electronic dispute. Their system says that the dispute is open and closed ( resolved ) at the same time. 

I can not get in contact with them. There is no email ( which they use to have active ) and every number you call doesn't allow you to speak to someone, without paying for the membership service. This is hurting my score and I can not apply for my VA refinance of my mortgage until it is corrected. How can they cut off all methods of communication to them when there are issues with their system and with them? 

Can someone please do something to fix this for everyone, as I know I am not the only one with issues with them.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has being reporting my account as " CLOSED BY GRANTOR : >UNPAID BALANCE CHARGED OFF< '' but the reporting is incorrect since I have being discharged by Chapter & Bankrupcy on XX/XX/XXXX and all by debt has being paid/remove from the discharge by UNITED STATES BANKRUPTCY COURT : SOUTHERN DISTRICT OF FLORIDA, CASE NUMBER : XXXX. 
In attach is the copy of XXXX  credit report, XXXX  credit report and XXXX  Credit report and also a letter from Bank Of America where they said the reporting has being acurated, also is attach the bankruptcy paperwork where we are discharged of any debt as of XX/XX/XXXX. 
I would like to have BANK OF AMERICA to do the correct reporting, or I will seek legal compensation for this error on a federal court
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (AZ)

I received a letter dated XX/XX/XXXX from a debt company named Capital Accounts stating I owed a debt to XXXX XXXX XXXX based in XXXX, AZ. 
I went the debt collector website to dispute but the website was not legit and did not do anything when I entered my info and the account number they provided. So, I went to the website for the company and the website http XXXX XXXX led to a vulgar website for XXXX girls . 

XXXX : XXXX? XXXX XXXX XXXX - XXXX & XXXX Nature Head Office Year established XXXX Activity ( XXXX ) Offices and Clinics of Chiropractors ( XXXX ) See the XXXX classification No employees ( address ) XXXX Employees No employees XXXX Employees Kompass ID? XXXX Company shows as closed.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. i have been contacting transunion about accounts that is on my credit report that doesn't belong to me over 3 months. i demand this be deleted immediately.
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (AZ)

Someone, unknown to me, purchased from XXXX 's XXXX XXXX. In the process of their purchase, my cell phone number was given or was entered incorrectly in XXXX 's system. I have verified with XXXX 's customer service that the account in question is not in my name nor did I cosign for it. XXXX 's turned the account ( with my cell phone number ) to collection via Automated Collection Services , Inc . 
ACSI has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have ACSI stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to XXXX 's XXXX nor ACSI. 
( 2 ) I have requested them to stop contacting me. This has not occurred.
Consumer complaint received 2020-04-14
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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
Consumer complaint received 2020-04-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I have multiple accounts with Wells Fargo. When the accounts were opened, we were told that a minimum balance of {$25000.00} in all accounts, combined, would eliminate any monthly service fees on all accounts. 

Since then, one of our accounts has been charged a {$12.00} monthly service charge on multiple occasions. I've called Wells Fargo and they have refunded the charges, with an apology for the inconvenience. After a few months, the charges appear again. I've called them at least 3 or 4 times in the past 5 years that we've had the accounts and they have always refunded the charges. 

I believe, without doubt, that Wells Fargo is engaging in a practice of charging fees on accounts that shouldn't be charged fees, according to agreements they have in place. I believe they are charging the fees and hoping consumers won't notice the fees and therefore, won't request a refund. I shouldn't have to request a refund for charges that repeatedly show on my account, without authorization. I meet the requirements that were set forth by Wells Fargo so they should honor their commitment to waive any monthly service charges.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX FIN Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

I went to an ATM machine at a nearby liquor store on Saturday XX/XX/XXXX. I withdrew {$100.00} cash. 
Today on Monday XX/XX/XXXX, I receive an alert that my account with Ally is overdrawn and the {$100.00} ATM withdrawal is reflecting TWICE on my account. 
I sent a message to them on their app and the rep indicated that they are having a system error that is causing charges to reflect twice. This is extremely disturbing and unsettling, and to trigger overdraft alerts to their customers while they know a system glitch is going on is terrible. CFPB needs to look into this to ensure Ally has appropriate technology and internal control resources to prevent this from happening in the future. These types of errors, while they may be rare, are unacceptable and are surely a violation of consumer protection laws.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Talked with Chase Mortgage account person about dropping PMI back in XXXX 2022. Was informed I would need to have major structural repair completed, fill out a form categorizing and describing each major structural repair, than mail in a check for {$150.00} dollars with the form to start the process to get a new appraisal completed to drop PMI. I have completed the Major Structural Repair new roofs on Home, Woods shop, Garage, Guest House, Art Shed, & Storage Shed. Along with several other repairs completed. Filled out the form and mailed in a check with for {$150.00} dollars with the form describing exactly what I was requesting with the funds. Unfortunately after 60 days Chase only refunded the funds and never contacted me to confirm a new XXXX appraisal was ordered. I have completed my portion to get this dropped but the company has not fulfilled their side or promise.
Consumer complaint received 2023-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXX $ collection that I didnt approve of, I've taken every action I could think of.
Consumer complaint received 2020-04-14
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. (NJ)

I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.
Consumer complaint received 2021-01-12
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: AES/PHEAA (MD)

I XXXX XXXX the consumer, original creditor, natural person. Pursuant to Federal law 15 USC 1692 American Education Services is a 3rd party debt collector and is in violation of 57 Federally protected consumer law violations. American Education Services has failed to obtain and send verification of this alleged debt by not mailing me a contract. Instead of sending me a contract of this alleged debt, American Education Services sent statements which alleges we have a business agreement and we do not. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Due to the fore going, you have caused me additional stress, frustration, credit damage, and costs. Furthermore, I XXXX XXXX the consumer, original creditor, natural person am not delinquent because there is no law that defines delinquency. This was initiated through the use of the open end credit using my social security card pursuant to 15 USC 1602 ( f ). 



You have also waived your opportunity to amicably resolve this issue without the need to litigate. This was your last opportunity to mitiage this matter and as a result I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2020-04-14
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2023-01-06
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. (UT)

DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from my credit.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX which does not validated a copy of bill does not substantiate debt.