davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Collections Inc (NY)

I hired an air duct company to clean out the ducts in my home for a price fixed. After the service man cleaned out the ducts in my home, he showed me all sorts of service plans to sign up for. I barely had the funds to cover the cost of the services performed of the one and only service call in 2017 that I had agreed to. Apparently the invoice I signed for the services performed is being stated by collection attorneys, as a contract that I signed for future services. I did not sign any such contract. I do not know if the service man had switched paperwork and had me sign a contract instead of the invoice for the service performed. But I did not agree or sign to agree for any future services. I have been contacted by an attoney from Asset Collections inc demanding that I pay. And he states what I signed was a contract for services and that I now owe {$2200.00}? I never agreed to such a contract. I never made any payments toward any such contract. I paid what I owed for the one time service call. The sneaky tactic of stating that I signed a contract when I believed it was the invoice for the service, is unfair sneaky practice. I was polite to the service guy and told him that I would consider the contract with his company in the future. But as he personally witnessed I did not even have enough credit on my card to pay the intitial service fee. I explained this to the attorney from the collection agency that keeps calling me and telling me that they are going to sue me for this. Please help me stop this unfair sneaky tactic of switching the invoice and turning it into a contract for future service. I did not want not could afford. I did not sign a contact. I signed a service invoice. That is what I was told. I told the service man that I could not commit to any contract or future service. And I said I would contact his company if indeed I did want a service contract. Which I did not. Now I am being bullied by this attorney from the collection company stating that I signed a contract? In the collection letter they are threatinf to contact and report this alleged debt to the IRS. And stating that a form XXXX will be filed and it will show that the {$2200.00} becomes income and a bad debt for XXXX XXXX XXXX XXXX XXXX XXXX. Is that even legal? I have explained the misunderstanding to the attorneys from collection agency numerous times, only to have them state you signed it and you owe it and we will sue you to get it.
Consumer complaint received 2022-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed dispute i regards to incorrect information on my credit report. It has been well over 3o days and I haven't received any investigation results. Sent a 2nd request, please remove.
Consumer complaint received 2019-02-12
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. (CA)

this is in regards to an XXXX credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called XXXX again transferred multiple times again to be told they cant take my payment and to call XXXX XXXX XXXX. I calld XXXX XXXX XXXX  and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today XXXX is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX {$590.00} was withdrawn from my checking account with out my permission. Wells Fargo never notified me of any transactions that may have stemmed from my foster child 's account being compromised in XX/XX/XXXX due to counterfeit checks being deposited and then withdrawn from his account without knowledge. First, I was told that opening a guardian account would pose no risk to my account and then they allowed counterfeit checks to be deposited and withdrawn before clearing to include allowing this to occur again and again even after the account was placed on hold following me alerting them to this.
Consumer complaint received 2022-08-19
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-03-09
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. (CA)

My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. XXXX is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.
Consumer complaint received 2022-08-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (LA)

I, XXXX XXXX, have a mortgage with US Bank Home Mortgage loan # XXXX. As long as this agency is involved they pretend to do what is right as soon as you all close the case they are back to their old antics. They have been sitting on {$34000.00} in a restricted escrow account and never told me my interest. Every time I ask for my pay off they come with lies. I sent them {$3000.00} on XX/XX/XXXX from my XXXX XXXX  account. Then I was prepared to send them {$950.00} tomorrow XX/XX/XXXX, they sent me a letter on XX/XX/XXXX and a different letter today XXXX stating something different. I want the American consumers to see how lowdown and dirty US Bank Home Mortgage really are.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (AL)

Experian/XXXX  released my report without my written consent and violated my federally protected rights XXXX XXXX is using my identity and saying I owe them 15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy
Consumer complaint received 2019-09-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

On XX/XX/19 I received an email of a balance transfer in the amount of {$20000.00} on my credit cart, On XX/XX/19 I called card company and reported that said charge/balance transfer was not correct and blocked use of said card, was told I have a response in 3 days XX/XX/19. Called again, no action had been taken XX/XX/19 - Received email that no Fraudulent Activity found XX/XX/19 - called card company again at XXXX XXXX, requested info as to when and how this transaction was originally initiated and approved/moved forward. To date no info received. 

XX/XX/19. Called card company again and requested same info above XX/XX/19. Called XXXX and put fraud alerts on accounts XX/XX/19. Called card company again - 40 minute call no results XX/XX/19. Sent Certified Mail to card company, no response to date XX/XX/19. Called card company again, was told still being investigated - 26 minute call XX/XX/19. XXXX ( employee # XXXX ) from card company called about collecting debt?
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2023-08-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SERVICEMAC, LLC (FL)

On XX/XX/XXXX, I received a letter from my mortgage servicer, XXXX XXXX, telling me they were transferring servicers ( to ServiceMac/XXXX XXXX XXXX and my loan terms would not change. I am on a fixed rate FHA loan. 

For further context, I have been on a deferment plan since XXXX of XXXX, in which I began making payments again under a reduced amount of {$1200.00} after being unemployed for four months. This process of forbearance began XXXX XXXX. I went under the agreement that the money I owe will go to the back of my FHA loan, and I will not need to repay it until I sell the house or by XXXX, when my mortgage will be paid off. Once this forbearance period ended, I was supposed to go through a review process and determine if I needed this modification to be extended or changed. 

However, when the servicer changed, I began to run into problems. On XX/XX/XXXX, I called to make my reduced payment, but this was not honored by the new servicer. I had to pay the full amount, and they told me they could not find the paperwork I had for this deferment period. They told me a case manager would contact me, but they never did. 

Days later, on XX/XX/XXXX they marked me as delinquent, sent me two solicitation letters on XXXX and XXXX, and reported my mortgage account as CLOSED. This sent my credit score plummeting by almost XXXX points. They also falsely reported late payments and my account says I am 290 days overdue on one letter, 9 payments overdue. I have been paying my mortgage since XX/XX/XXXX. I was also charged a late fee of {$100.00} on my payment -- when these payments have never been late. 

On XX/XX/XXXX, I did get a hold of someone with the payments department, but he was of little help. I have been calling almost every day since the transfer to try to understand what is going on. Otherwise, I am unable to get in touch with the servicer, as they send me straight to an automated message about being too busy to answer the phone, no matter which number I call. I tried calling eight times on XX/XX/XXXX. I also spoke with a HUD counselor to try to interpret the situation, but he was unable to get a hold of them either. 

I want this resolved. My credit score has taken a huge hit after I have been working hard to repay my debts. I finally got it back up since being unemployed... These late payments are FALSE. I can provide records of my payments, my deferment notice, and the delinquency letters I have been receiving from XXXX, if needed. 

Thank you.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

My cashapp email address is XXXX, not my personal email acct provided above. 

I checked my bank acct & saw a pre auth charge- thru CASHAPP by user XXXX XXXX XXXX XXXX in XXXX XXXX . This charge did not show up in MY CashApp, idk this person, but I screenshot the info & sent it to cashapp customer service. When someone scammed my daughter in the past CashApp said that since that old charge had hard posted there wasn't anything they could do, but w this new charge from a different fraudulent person I caught it before anything hard posted so they absolutely should have been able to go into that user 's acct & cancel it before it hard posted. I also requested more info on that user/acct so I could contact their local legal authorities and for confirmation from cashapp that they'd do something to cancel this fraudulent user 's acct or SOMETHING but they refused. 

It was a fraudulent charge that I had nothing to do with & did not authorize. CashApp would do nothing to stop reverse or prevent. I'm disputing it w my bank but that will take 90 days & I needed that XXXX in there for bills so I'm screwed. I contacted cashapp before it hard posted & they'd do nothing so thus is cashapp 's responsibility & liability. 


****please provide email to send screenshots to bc uploading them here is taking WAY too long & idk if any of them will be posted w my complaint & there's info in the screenshots I would not want posted publicly online****
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

On XX/XX/2022, I mailed a check in the amount of {$280.00} to Credit Control Corporation in XXXX XXXX XXXX to absolve an outstanding medical bill on my credit report. This check then cleared my checking account on XX/XX/2022. 

I waited an entire cycle before disputing the delinquency on my XXXX  and XXXX credit reports. When I disputed the claim I provided the endorsed check from my bank that clearly shows the bank of the check was endorsed by Credit Control Corporation : Pay to the order of town bank R and B CCorporation of VA. ( then it list their account number, which I'll be more than happy to provide ) XXXX and XXXX refuse to remove the delinquency stating that the claim is verified as of XX/XX/2022. 

On, XX/XX/2022, I called Credit Control Corporation, and I recorded the entire phone call. Not only did the lady state she received my payment, she also stated they don't file medical claims on credit reports. Why lie? All I want is it removed! I paid it, stop lying, and remove it. I have the entire conversation recorded. You can do that in XXXX 

They need to be stopped. They should not be able to take your money then lie! That is disgraceful!
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

XX/XX/2019 i sent my granddaughter {$230.00} through paypal. she is a XXXX national. she is a minor child. paypal is not supposed to allow minor children to have an account. she has lost the information on the account and has no way to prove it is her. paypal has refused to return the funds to me. they remain locked up in an account no one can access.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

there are 8 inquires from capital one that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my XXXX  credit report
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-12
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 — Problem with personal statement of dispute
Company: AES/PHEAA (VA)

On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

As a victim of the XXXX  data breach, I placed a fraud alert on my credit report. The fraud alert shows up on the credit report on all 3 credit reporting agencies but it does not show my phone number. 
I tried calling Experian to speak with a live person in order to add my phone number to the fraud alert. However, their telephone menu does not allow this. All it asks is if I want to place a fraud alert, submit documentation. I am frustrated because the fraud alert is already instituted, but not my phone number. 
I am in the process of obtaining a loan and need my phone number added to the fraud alert ASAP before I can speak with a loan officer. 
Filing this complaint is the only recourse I know as CFPB quickly resolves issues affecting consumers.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

I noticed a negative collection account on my credit report that I was not familiar with. I disputed this account through the three credit bureaus and it came back as verified by the collection agency to the credit bureaus as being accurate. I then sent a faxed letter to the collection agency asking for documentation such as a signed agreement, billing statements, and something showing they had the right to collect the debt on behalf of the original creditor. They responded with a letter showing the balance they are seeking to collect and no supporting documentation that shows I owe this debt and owe it to them.