davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I had an account with Autocheck which is owned by Experian. Autocheck is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, Experian never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an Automobile Company, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of Experian, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since Experian is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.
Consumer complaint received 2021-01-13
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. (IL)

I recently submitted a dispute with TransUnion regarding an unverified account on my personal credit report with XXXX/XXXX. TransUnion deleted the account with XXXX/XXXX. TransUnion recently reinserted the account without my knowledge. I have not received any correspondence regarding the method this account was verified including the information that was initially requested from them. My rights have been violated, and I have expressed this to TransUnion with no recourse.
Consumer complaint received 2024-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (NJ)

We purchased my homeowners insurance with XXXX and paid in full {$1300.00}. We uploaded the documents on Wells Fargos website at www.mycoverageinfo.com/Wells Fargo even though we did all required, we did not stop receiving letters to upload our home owners insurance. We did call customer service many times ( on a recorded line ) and every time they check they could see the documents uploaded. We were ensured by XXXX customer service agents that everything is fine with our homeowners insurance and it is visible in the system. 

Today we received a letter from Wells Fargo that a policy was bought our behalf for {$3500.00} to cover our homeowners insurance because they did not receive proof of insurance. We have spent now hours on calling, emailing, uploading. We have done our part in keeping our account updated, It is becoming very frustrating at this point that they have not! If we get charged a single dollar for homeowners insurance, we are ready to seek legal action to the fullest against Wells Fargo home mortgage. 

We need this case escalated ASAP.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX at XXXX I visited the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX FL XXXX. I made a deposit of {$2500.00}. Three {$500.00} checks and {$1000.00} cash, as the machine was processing I received error messages and the machine started to jam. It gave me back {$900.00} cash and kept {$100.00} cash & {$1500.00} In money orders. The machine printed an error receipt stating it was and error and theyll credit me {$0.00}. I contacted Wells Fargo and let them know what happened & I was credit back {$1500.00} on XX/XX/XXXX. Today is XX/XX/XXXX I logged into my bank account and seen I was over drafted {$1500.00} due to an adjustment. I contacted Wells Fargo and they were extremely rude, the agent named XXXX told me my checks had been lost and I need to figure it out on my own. He laughed at the fact that i was upset and then proceeded to hang up in my face. I called back and spoke to a woman who did the exact same thing. I am highly disappointed and I do not trust Wells Fargo back at all!!!!!
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NY)

I received a Notice of Collection Placement letter from EOS CCA on XX/XX/XXXX. The original creditor was listed as XXXX for {$40.00}. I have received no bill from XXXX at any point before this, and I have a wireless account from them that is in good standing. I called the number for the Consumer Relations Department for EOS listed on the back on the notice. This was XX/XX/XXXX at approximately XXXX XXXX. 

I was connected to an associate who I believe said her name was XXXX. She asked for the account number listed and I gave it to her. She then asked if she was speaking to XXXX Something of a city in Pennsylvania. I said she was not. I am in no way related to this person. She then read me the last three digits of this person 's social security number, which seemed strange, and I said again that that wasn't me. She then apologized, and asked if she was speaking to [ my name ]. I said she was. 

XXXX then asked for some personal information ( I don't remember what it was ), but I said I was uncomfortable sharing that based on what had just happened. She said she understood and apologized again. She used the word " actually '' often throughout the call in a way that seemed strange. 

I asked for information on this debt, she said the company it was from and the amount. She mentioned the date of the service for the charge -- it was a service provided over two years ago that I had worked out payment for with XXXX itself at the time, and I have not received a single bill from XXXX since then. I have no reason to believe I owe them any money. XXXX then told me unprompted that someone else she knew had that issue and they called XXXX but they were referred back to EOS, the collection agency. I asked if there was documentation of the charge and she said, yes, XXXX had supplied the documents. I asked to see them. She said she could send them to my email. I said I also wanted to know how to open a dispute. She didn't answer and asked if I would be closing the account today. I asked if closing the account meant paying the charge, and she said yes. I said I wanted to see the documents from XXXX because I did not think I owed any amount. She then said she could email me documents and asked me to hold on a moment so she could arrange the documents -- I could hear typing in the background for a number of seconds, then the phone cut off. 

This was extremely alarming behavior for a debt that I believe I do not owe. I'd like to find out if I do, in fact, owe anything, how I can see those alleged documents from XXXX and how I can dispute this debt if necessary -- but I now feel extremely uncomfortable going through the collector, EOS CCA, and I suspect the debt is not real. Thank you for any help you can offer.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (GA)

Robinhood is charging me a fee for a line of credit they now refuse to honor. This cost me roughly {$150.00} today. Robinhood 's scam to charge a fee but not provide a service is ridiculous and shouldn't be allowed.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I received a late payment notice on a Target Credit Card. I immediately paid the balance that was due when notified. I spoke with the company directly and they said that they remove the late payment from my credit report and the late payments are still showing on my credit profile and they are hindering my home buying process in a very negative way. I have reached out to the bureaus directly and haven't received a response ( its been over 60 days ).
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

XX/XX/2020 XXXX  is lacing my credit report with false entries again. 
Toyota Motor Credit Corp/Toyota Financial Services is a CLOSED fraudulent account. XXXX  is reporting missed payment-this is a lie. 

XXXX  is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting an erroneous debt on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.
Consumer complaint received 2020-03-10
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. (MD)

I cancel service with XXXX XXXX in XX/XX/XXXX. 
I should have received a refund for XX/XX/XXXX Service - Since monthly bills are paid one month in advance, and i paid my XX/XX/XXXX bill. 
Instead, they re-billed me for XXXX, and said i have a balance due of {$120.00}. 

They reported to the credit companies, and have damaged my credit. 
They re-reported it in XXXX.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (ID)

I tried to set up monthly auto pay for my mortgage through their website. There website was very confusing and I set up what I thought was 4 payments to pay XXXX, XXXX, XXXX and XX/XX/2020. My bank contacted me in XX/XX/2020 and said 4 Payments were trying to come out of my bank account on XX/XX/2020. I didn't have enough money in my account to cover 4 payments at once. I contacted Dovenmuehle mortgage and explained that I must have made a mistake when I set up the 4 payments. I spent over 1 hour on the phone with them and they told me the only solution was for them to return all 4 payments to my bank account. They instructed me to make 2 payments in XX/XX/2020. I was leary about having no payment for XX/XX/2020 ( because they returned it to me XXXX but they assured me that I didn't need to make a payment until XX/XX/2020. 
In XX/XX/2020 I received a credit report alert stating that I had missed my XX/XX/2020 mortgage payment. I immediately called Dovenmuehle Mortgage and explained that they had reported a missed payment and what had happened in XX/XX/2020 and the lady told me she would take care of it but that it may take awhile due to staff shortages due to XXXX XXXX. 
I have called them several times and I get disconnected after spending a lot of time on the phone. I have emailed them and they have not resolved this issue. Today I was on the phone with XXXX with Dovenmuehle mortgage and she was arguing with me before she even knew what my issue was. After being on the phone with her for a long time I once again was disconnected. I called back and was placed on hold for so long I hung up.
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Debt collection for a phony and non-existent medical bill by " The Law Offices of Mitchell D. Bluhm and Associates, LLC Attorneys at Law '', claiming that we had radiology services on XXXX XX/XX/2021 for {$1400.00}. All false, we had no appointment on or around that date for any medical services whatsoever.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

My mortgage loan account was transferred to the Shellpoint Mortgage from my original lender Ditech in XX/XX/2019. I made a payments to the Shellpoint but it shows up on my credit reports as a 30 day late payment in XXXX on my XXXX  and late for XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted Shellpoint to get this corrected and I was told that when it transferred that there was a 60 day grace period and it should not be reporting on my credit report as a late payment. I have been contacting the company and talked to different customer service, Tier2 supervisors and Managers about the issue and they agree that there is a mistake on the reporting of my account and that they would get it corrected. I recently talked to a manager and he told me that it should not be reporting late and he would escalate the issue to be resolved asap. I have not had any corrections made and I need this to be resolved ASAP.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Funding LLC bought the debt from Original Lender 01XXXX XXXX, date reported XX/XX/XXXX Midland Funding Shows the account opened XX/XX/XXXX acually account was opened in XX/XX/XXXX. Midland Funding posted account 30days past due on XX/XX/XXXX followed by turning it over to collections on XX/XX/XXXX and posted on my credit report posting a derogatory statement on my credit profile. I filed a complaint stating I was incarcerated during the time midland funding shows account was opened XX/XX/XXXX and said I was disputing. Midland Funding address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Fraudulent XXXX credit card account from 3 years ago showing up with an unpaid balcony that is the result of fraudulent activity and identity theft that has been reported multiple times but the credit reporting agency refuses to fix. This is affecting my life and sabotaging my ability to sign a lease, take out a loan, line of credit, etc
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Transunion has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Transunion fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC (MA)

On XX/XX/XXXX I received a phone call from XXXX at Cedars Business Services. He was claiming that I received a traffic violation in XXXX XXXX back in XX/XX/XXXX that I never paid. I was quite confused as I have never received any correspondence from XXXX nor Cedars prior to this phone call and my trip was almost a year an half ago. I asked for documentation supporting this claim and XXXX emailed me paperwork from XXXX which states I received a violation for driving in a restricted traffic zone without authorization. I was in XXXX XXXX for only a few hours visiting the XXXX XXXX XXXX  XXXX and made sure to follow the rules and not enter any restricted zones. I also never received any ticket on my car or in the mail from XXXX. 

I did not know of any ticket until I received the call from XXXX on XX/XX/XXXX. He is asking to collect {$470.00} on a ticket that initially was for {$110.00} ( euros ). The additional charges were late fees accumulated on the account. I explained that I did not receive any correspondence relating to this ticket and had no opportunity to appeal and/or pay the ticket. XXXX told me that he has no ability to reduce the ticket and if I do not pay they will have to send it back to XXXX and they will hire legal representation. I asked if I could call XXXX to explain my situation and he told me they would not help me. 

Remaining hopeful, on XX/XX/XXXX, I reached out to XXXX to explain my situation and they told me that they could not help me as the matter was now with a debt collector. They recommended that I explain the situation to the debt collector and that they will be able resolve it. 

I feel helpless in this situation as I would never ignore a violation intentionally. I have never dealt with a debt collector in the past and am unclear if their practice is to scare us into paying this violation, especially with the significant amount of fees tacked on to the cost. 

I am hoping you can help me resolve this matter as this has caused a lot of stress due to the significant amount and the debt collectors practice of not listing or working with me. 

I appreciate your time and consideration.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I lost my Discover card at the XXXX XXXX XXXX on XX/XX/year> when I was travelling to XXXX. I didn't use the Discover card at all while I was on my trip to XXXX. I had flown back to my home in Texas on XX/XX/year>. When I turned my phone back on I received the email for my online bill from Discover and that is when I noticed those transactions done on the Discover card were not from me. My trip to XXXX was from XX/XX/year> and returned date was XX/XX/year>. I have charges on my Discover card from XX/XX/year> to XX/XX/year>. I had presented to Discover card evidence to show my flight boarding pass from XX/XX/year> to return date boarding pass XX/XX/year>. I had sent Discover card my passport with the XXXX stamp to show them I was in XXXX during that time frame and could not make those purchases. Discover failed to conduct a thorough investigation and resolved those dispute charges against me even though I had cleared evidence I was not in the U.S during the time of those charges done on my account.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to dispute the auto loan for XXXX. XXXX XXXX XXXX XXXX did not check the VIN report and verify the accuracy of the car value that was XXXX dollars. XXXX XXXX XXXX XXXX spoke to the ilegit company called XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX without my consent. The auto loan money was stolen. I did not receive the car. I have two police reports and FBI report. The accurate car dealership is called XXXX XXXX XXXX XXXX. They confirm the car was sold and the title on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX department is aware of the situation refused to call me back with a resolution. On XXXX someone from XXXX was supposed to call me. They did not call me.
Consumer complaint received 2021-01-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M&T BANK CORPORATION (LA)

I open up a RV Loan with M & T Bank in XX/XX/XXXX. Recently The RV was flipped and considered totaled after hurricane Zeta on XX/XX/XXXX. Most {$31000.00} was paid in XXXX which still left a balance of around {$4100.00}, the balance as of today is {$3100.00}. I am currently as always making payments on time and have never had a 30 day late. I have very good credit and do not want to do anything to change that especially during these hard time. I had a collection call from someone with a dog barking in the background so I was a little weary. She told me my account has been closed and needed to be paid by with in 20 days or it will be sent to collections. I have all intentions of paying it. I am still dealing with the GAP and RV Dealership to rectify this situation. In the mean time I planned on making all my payments in full if not more every month until this balance is paid in full. She told me it needed to be paid in full this month.