davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (NC)

I am very frustrated at this time, my concern was not properly handled by Equifax and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Consumer complaint received 2020-01-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter to Equifax credit bureau XX/XX/2019, notifying the credit bureau about an error in how an account is being reported. I've tried pleading to them to right their wrong multiple times. Equifax couldn't care less about errors in a customer 's credit report, and refuses to investigate my claim. They avoid investigation of my claims by telling me that they " weren't able to locate my credit file and need additional information to verify my identity '', I mailed the same documents they asked me for, to them three times. This is unacceptable.
Consumer complaint received 2018-05-23
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. (AZ)

I am a victim of identity theft. The following accounts and credit inquiry is listed on my XXXX, XXXX  and Trans Union credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

In checking my credit cards accounts ( which i do regularly ) i noticed a charge on my Barclay card account ending in XXXX for XXXX  on XX/XX/XXXX. I have not used my card in over six months. When i went to check where I keep my credit cards in my desk i could not locate the card. I should also add that i hired a professional moving company in XX/XX/XXXX when I moved residences and it is possible someone from the moving company could have taken the card from my desk.Since i couldn't find a number to call to report the card lost/stolen I checked the online transaction and it said I needed to fill out a written dispute and send it to their address in Delaware. I did so immediately. 

Today I received ( 2 ) different computer generated letters from Barclays. One letter said they can not assist me and to call the number on the back of my card to speak with an associate ( I don't have the card ). The second letter said they were beginning an investigation. I don't know which letter to believe.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2019 I disputed the ARS Account Resolutions account # XXXX with all 3 bureaus. ARS Account Resolution verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to ARS Account Resolutions via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to ARS Account Resolutions. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper continues to decline my retention request, even though I can afford the current payment and would like to stay in my home. 
In addition, Mr. Cooper used the incorrect property valuation and refused to review my income, all factors in their denial of my request.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
Consumer complaint received 2019-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

i dont make money and cant afford to pay loan. they call and say im late when im not. they robo call way to much and harass me and my mom. just got phone call i was past due then they said it was a computer error. scam artists.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (NC)

My complaint is harassment  and penalizing  treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. 

XXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. 
Midland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing  and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

Every attempt to use any of my XXXX $ vanilla gift card visas is declined. 

Customer service agent says that every transaction requires manual authorization via a ~45 min phone call. 

I have made at least 10 attempts and none have processed, the customer help line offers different reasons and solutions but NONE has worked and I have never used the cards successfully.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (GA)

On XX/XX/XXXX I was emailed that my card was frozen due to the fact it was stolen or lost which it was not because I had the card on me the card company then put me thru various checks to verify if I was in fact the person who is authorized to have that card after I went thru that for several hours to prove I was in fact the cardholder I still was not allowed access to my account I could not understand why they failed to tell me that XXXX dollars was taken out of my account the only way I found out is because 2weeks prior I had to issue a new card to my wife and she received the new card on XXXX the XXXX had it activated check my account for me and found out I only had XXXX dollars left in the account I then called the card company in which they told me I could file a dispute we did go over my statement of my last transactions over the last 24hours and that's when they read to me that on the XXXX of XXXX I suppose to have transferred XXXX dollars out of my account I told them that is not true I never took any funds out nor did I authorized anyone else to do so currently at this time they have my dispute under investigation I have not submitted any letter yet because I'm a XXXX XXXXr on the road and it's difficult for me to get that done but I am going to get my roommate to do so for me I am also going to call them today which is XX/XX/XXXX and ask that extended credit be issued me someone took my money they seem to believe that I did THEY ARE WRONG I do need help I want my money back and those who stole it arrested
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

on XX/XX/XXXX, I called Chime Bank support. The lady on the phone told me my phone had me hacked by someone in ohio. she told me to look at this link and it will show me where it was. so When i clicked it, it shoed someone in ohio accessing my phone. Apparently that link was actually allowing the Support lady on the phone to access all my information an hack my phone herself. She completely drained my bank account. I was able to get the bank to refund XXXX. They refused to refund the XXXX that she transfered into her account directly. Her name is XXXX XXXX. I have filed police reports, she is located in new york. They have proven her account as fraud and she has scamed multiple other people. The bank still says they wont do any anything. The police say its out of their hands. I have been fighting this for almost a year now and NO ONE will do anything.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a new account with BBVA. I received my new account/TISA disclosure when I opened the account. Approximately two weeks later I went to process an external transfer and noticed I would be charged a {$3.00} fee. I reviewed by TISA that was provided at the time I opened by account and it DID NOT disclosure this fee. By not knowing this at the time of opening my account, the Bank did not provide me sufficient information to assess my desire to continue with opening the account. This is unfair ( mis-leading ) and a deceptive practice to get people to open their account and then BANG charge them fees to access or move their money out of the Bank without proper disclosing it when the account WAS OPENED.
Consumer complaint received 2019-07-27
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. (CA)

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. 


DEPT OF ED/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

In XX/XX/2019, I received a notice from XXXX that I had a negative account added to my reports. Upon reviewing my reports I noticed a {$120.00} collection from XXXX XXXX XXXX severely dropping my score. I never received any type of communication about this alleged debt. I decided to send the collection agency a dispute letter requesting debt validation. I got a response from Collection Bureau of Ft Walton Beach requesting that I send in a medical release form, and that if I don't they will see any future communications from me as " irrelevant and frivolous. '' The debt is not mine I have never heard of neither the collection bureau or the original creditor nor have I've never heard of sending release forms and affadavits to a collection agency to get validation. They are bound by law to either validate this debt or cease reporting/collecting and have it removed from my reports. I take my credit and identity very seriously.
Consumer complaint received 2021-07-23
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 (GA)

Portfolio Recovery Associates have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Portfolio Recovery continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Portfolio Recovery has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Portfolio Recovery have have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.
Consumer complaint received 2019-07-27
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. (AL)

I have disputed this Medical Collection account with Equifax three times and have called Equifax letting them know that this account is in Litigation and that I have a XXXX until my medical case is closed! It got removed but then put straight back on my Equifax report one week later!
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

I have disputed this medical bill three times and Ive called as well and sent the LOP to the collection agency and the Hospital. The hospital contacted the collection agency to make them pull from my credit report and they did from all three but then reported to XXXX putting it back on my report! I called the collection and hospital today XX/XX/2019 and the rude lady at the collection agency hung up on me! I then called the hospital and left voicemail letting them know that Holloway Credit Solutions put the medical collection back on my XXXX knowing I sent them Letter of Protection from my lawyer and they received it! The hospital has LOP as well now.
Consumer complaint received 2019-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (TX)

I am a victim of fraud and identity theft. General Revenue Corporation first contacted me by letter dated XX/XX/2019. The letter falsely stated that I owed the XXXX XXXX XXXX a {$18000.00} debt. The {$18000.00} debt that General Revenue Corporation was hired by the XXXX XXXX XXXX  to fraudulently attempt to collect is the result of fraud. I provided General Revenue Corporation with a copy of my FTC identity theft report supporting this fact on two separate occasions. Nevertheless both General Revenue and the university continue to attempt to collect this fraudulent debt. 

As an identity theft victim, I have asked the debt collector and the university to provide me with copies of all their records relating to this account, this debt, and the theft of my identity. To date, both have intentionally withheld and/or refused to provide response records. 

General Revenue Corporation is the second debt collection agency that the XXXX  XXXX XXXX has retained to intentionally harass and oppress me about this {$18000.00} fraudulent debt.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

Debt amount from Nationwide Recovery Services in the amount of & XXXX was paid in full on XX/XX/2019 and was said to be cleared off credit by XX/XX/2019 but is still listed as a derogatory mark on my credit as of XX/XX/2019.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I made a mobile deposit to my Bank of America account in Nj of a check drawn on a XXXX XXXX checking account in CA which I hold jointly with my wife and sister who resides in CA. 
The check was for {$10000.00}, which is not an extraordinarily large amount for such deposit, as the last prior such check was for {$15000.00} which I deposited on XX/XX/XXXX without incident. Altogether deposits from the XXXX account into the BofA account ( including its pre-merger predecessors ) have been made periodically over all of the past 30 years without incident of any kind. 
On this occasion BofA has put a complete hold on the entire deposit for 12 days, despite my sister having confirmed with XXXX that the {$10000.00} check was cleared by them on the XXXX, which I have pointed out repeatedly to BofA to no avail. 
My credit rating is in the 800-850 range and I have had 5 different  mortgages with BofA on 3 different properties in 3 different states, all of which have been paid off or paid timely/never late. 
BofA will not tell me why they persist in this lengthy and complete hold despite having the funds from XXXX for this past week, and only say they have a right to hold a deposit for up to 10 days ( apparently at their whim as this is the only explanation they give me )
Consumer complaint received 2019-07-27
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. (NC)

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
Consumer complaint received 2019-07-27
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. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.