davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CA)

I had auto pay with XXXX XXXX XXXX XXXX in XXXX, CA for wifi service only for years. XXXX XXXX got sold to XXXX when my service is established and continues with XXXX without any complication to this date. 

I learned accidentally thru a credit report that I have collection posted to credit bureau last year. I found out from XXXX that Waypoint Resource group posted for XXXX XXXX - XXXX XXXX XXXX in XXXX, California. 

I contacted both Waypoint and XXXX/XXXX  and disputed the charge of {$170.00} and asked explanation how come I was not notified by either XXXX or Waypoint of such action- and do I not have the right to know what is going on on my back plus how come I have two other existing accounts for 2 of my homes with the same company if I am considered delinquent and reported to the credit bureau XXXX they were not able to explain why. 

At the end, the account was posted fully paid with XXXX balance but since Waypoint has not sent any deletion letter, the credit report still shows the collection posted on my credit report with negative impact. 

I repeatedly asked WayPoint Resource to remove /delete with letter of deletion- they declined ; contacted XXXX XXXX as well- both giving me run around for {$170.00} which is mostly their failure to collect old router when they set up new router with new company name plus all my accounts were auto pay. 

Please help remove the stigma that continues to harass me to this date. 

Please advise
Consumer complaint received 2022-03-08
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. (AR)

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

I noticed an account on my credit reports that I didn't recognize. I disputed with the credit bureaus on XX/XX/19. The account came back verified. I also sent a letter requesting validation from Diversified Consultants on XX/XX/19. ( Tracking XXXX XXXX XXXX XXXX XXXX ). I never received a response or a proper validation from Diversified Consultants. 

Being that there is another collection company collecting on the SAME DEBT, I didn't expect to get a response from them. It is illegal for two collection companies to collect on the same debt. 

Please delete this account from my credit reports.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Following a recent review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX  XXXX  ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Consumer complaint received 2021-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (GA)

Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls. I have two mortgages with them and this occurred on both mortgages.
Consumer complaint received 2019-04-24
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. (TX)

On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX XXXX  on my credit report with Equifax. The package also highlighted fraudulent inquiries that should also be removed. The account and the inquiries in question is still reporting under my name and social via my personal credit profile.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian continues to abuse my credit even though the credit furnisher acknowledged their error after over a year of lying on investigations. The account is closed and paid off. There is a XXXX balance. Here is a letter from the loan companies attorney acknowledging their error. If this issue is not resolved I will take this to federal court. Abusing my credit for over a year has made my family and I lose everything. Experian needs to correct my credit report immediately. This causes extreme XXXX and XXXX on my children and I. I have been fighting to correct this error for over a year now and Experian refuses to have humans resolve my issue instead Im stuck in a software algorithm with no human responses.
Consumer complaint received 2019-04-24
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management (TX)

XXXX XXXX called me from XXXX and stated her call back number was XXXX. She said she worked for XXXX XXXX XXXX Financial Crimes Department and Verified the last 4 of my Social Security number. 

She stated that there was a XXXX XXXX XXXX account opened and a wire transfer than was made from another bank around 2012. She said they are filing a lawsuit for Fraud and forwarding the information to processing.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc. (DE)

I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). 

On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

There is a collection listed Credit Management for XXXX which was just seen on my credit file. I have no idea what this is for nor ever received anything about this, I requested validation via the mail and received NOTHING back. I have disputed this and nothing. I do not owe this unknown company anything. Please help
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-03-08
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: Halsted Financial Services, LLC. (MI)

I received a notification from my XXXX XXXX  account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from XXXX XXXX XXXX XXXX In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called XXXX XXXX XXXX. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, Halstead Financial Services. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX  XXXX, XXXX headphones and couple of other things. She said I could dispute the account at XXXX. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and XXXX XXXX XXXX to the XXXX XXXX XXXX On XX/XX/XXXX I received a letter in the mail from Halsted Financial Services for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to XXXX. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.
Consumer complaint received 2019-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I sold tickets to a user XXXX XXXX XXXX at XXXX ) I sent him an invoice through PayPal. He paid me for them, he sent me a message that he got the tickets, and then 29 days later he disputed this with his credit card saying that he didn't authorize the charge. I sent the proof of the email exchanges with me and this user showing he told me he got them. I sent them proof from XXXX that they told me this user claimed them, and told this person was trying to take money back and event was over. They somehow ruled in his favor and took the money back out of my account causing it to be in the negative. I have disputed this with them and told them I wanted to sent further to their escalations department ( or office of the president ) but have not gotten a thing back. I have now received a collections letter in the mail that they have turned me into a collection agency. I am looking for any help. 

PayPal sent the money back to this user from my account. I am requesting my money back. I am not only out the tickets that this person used for this XXXX game but also now the money too. 

I have email exchanges with this user, I have emails from XXXX showing user got the goods as well if needed I can forward on too. 


XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter from Capital One to prove who I am around XX/XX/2021. It stated they needed a copy of Social Security Number. I mail the copy in. Around XX/XX/XXXX they put both my Credit Card on hold ( Restricted ). I called them to ask why, they informed me they never received my information. I asked them to send another letter in witch they refused. They also miss informed me that they needed a picture ID and not My social Security Number. I called again on XX/XX/2021. I spoke to a lady for 40 minute on the phone. She informed me that I only needed to send in my Social Security Number. I sent in the copy once again. On XX/XX/2021 I called to see why it was still restricted to find out they have canceled both my credit cards. They informed me that they have received my information but it was passed the XX/XX/2021 deadline. When I asked them to identify the date it received, they said they could not fulfill that request. I was on the phone for 53 minutes and no one could identify the date my letter was received or inputted into the system. I am now out of 2 credit cards while paying interest and impact on my credit score.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2018 I made a Wire Transfer of {$5100.00} to a Bank in XXXX. I did this wire transfer at my Bank Wells Fargo. I did receive a call from my bank that same day or the next asking if I made a wire transfer, I responded yes. 

On XX/XX/2018 my wife and myself took vacation and we were out of the USA until XX/XX/2018. Wells Fargo made a second Wire Transfer of {$5100.00} to XXXX without any autherization from us. The Wire Transfer went to the same place. 

I have been fighting with Wells Fargo to see if they can Deposit the money to our account so we can make payments that we need. We have bounce checks for insufficient funds and have no money to cover other bills. 

Wells Fargo could not produce a second document signed by me or my wife authorizing the Wire Transfer of {$5100.00} on XX/XX/2018. 

The bank employee and the Bank Manager agree that is was the Fault of  Wells Fargo, but have not made an effort to cover our expensive or temporary deposit the {$5100.00} in our account.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Following a recent review of my credit report at the XXXX, Experian and XXXX consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2004, I deserve more.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...
Consumer complaint received 2021-12-29
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. (CA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$770.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I am very sorry to make another formal complaint against members of the Navient 's corporation but they are quite disrespectful towards me when I asked about my payment. You see, Navient lied about how much I have to pay per month.Consumer service rep XXXX was very disrespectful. XXXX was unhelpful about the status of my account and very rude. I asked to speak with an supervisor and she refused me the ability to speak with the manager Personally, it seems like many people inside of the Navient 's corporation do not want me to make payments towards my loan.They keep changing the payment date and the payment account. They are being unreasonable towards me and when I asked them for repayment options ... .they get very rude.