davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (OR)

Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. 

I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. 

I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I opened a dispute with Equifax regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked Equifax to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  XXXX XXXX, trans Union, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA XXXX FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (ID)

Comenity Bank called my father and my brother and told them both they were trying to collect a debt, I am in the process of settling this debt with them and I understand they are not legally allowed to tell a third party any of my information they have called them repeatedly and I want to know what my options are to rectify this situation and I Commenity should be stopped.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Misleading information with transunion XXXX, XXXX and XXXX XXXX XXXX credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2019, I attempted to pay off my entire balance but the site wouldn't accept my payment. The next day, the payment did go through but I was assessed a late fee and interest. I sent a secure message to Barclays and was told they would reverse the late fee and interest so my balance would be {$0.00}. However, today I was assessed another late fee even though my balance should have been {$0.00} ; it appears they never reversed the original fee and interest.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

i opened a online checking acct. with pnc bank for me and my fiance who is in jail. i deposit his life insurance check from his late ex-wife. i deposit {$25000.00} on XX/XX/XXXX. The online banking put a security hold on the check until he can come into the bank. i informed them he is in prison and wont be able to get in until XX/XX/XXXX so i was informed by the online banking i would need to get a POA from my fiance and bring it into the branch. I get the XXXX only authorizing me limited power of attorney to handle all his banking transaction until he get home. I talked to the bank manager on XX/XX/XXXX and she tell me the attorney declined the poa because it didnt contain language of disability. My fiance is not disabled by any means all he want is me to handle all banking needs until he is released from XXXX. Its been 18 days and i have no excess to our account.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. XXXX reports shows that I have NO MORTGAGE and XXXX  shows an old mortgage and has it reporting as being closed. Experian shows the mortgage reporting accurately. Experian is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted XXXX  to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to XXXX and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XX/XX/XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of XXXX report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows Experian notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NY)

On XX/XX/XXXX19 I logged into my account to check my balance and if check # XXXX for {$50.00} had posted. The check had not been presented but the balance was only {$18.00}. I then initiated an instant deposit for {$54.00} externally through XXXX, the merchant processor for credit payments. Proof of deposit and date attached. Bank of the West ( BoTW ) is a participant in instant deposit and I have previously taken advantage of this service from XXXX with BoTW. When I logged back into the account on XX/XX/XXXX check # XXXX still had not be presented, but my instant deposit was. When I logged in on XX/XX/XXXX, check # XXXX was presented as well as my instant deposit of {$54.00}, however a fee of {$35.00} was assessed. I reached out to BoTW on XX/XX/XXXX and spoke to two bankers before speaking to a supervisor, XXXX. XXXX told me because my instant deposit had not " posted '' until the XX/XX/XXXX, although presented and available on XX/XX/XXXX, I was charged a {$35.00} fee. I asked XXXX if BoTW was an instant deposit participant and she attempted to refer me to their online banking department. I was not sure how that internal department could assist me, so I presented the following scenario : If both my current and available balances were {$0.00}, XXXX, and I initiated an instant deposit externally for {$50.00}, would I have immediate access to the {$50.00} deposit. XXXX 's reply was " not necessarily '' which seems to imply there is some degree of ambiguity in how BoTW makes funds available and fee assessment. XXXX then confirmed that the information provided was the extent she was able to assist me and did not reverse the fee. I asked if I could the dispute the fee said no. When asked if BoTW was self-governing XXXX attempted to refer me to my branch manager. I asked if the branch manger would present the same unresolved conclusion XXXX said yes. I asked one last time if BoTW was not self-governing how can I dispute the fee and XXXX deflected the inquiry as asking " legal advice '' about outside agencies that govern BoTW. As of XX/XX/XXXX19 the {$35.00} has not been reversed. Attached image shows two other instant deposit transactions that were used to avoid insufficient balances.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (PA)

XXXX XXXX XXXX sold my mortgage that was in good standing to XXXX I understand this may be standard practice but consumers should have a choice in who they pay to service their needs. XXXX has a list of fraudulent and unfair consumer practices. My complaint # XXXX. XXXX filed against XXXX has already be filed but I believe that XXXX XXXX XXXX should also be held responsible for dealing with a less then reputable company. My loan was in good standing, my payments all made on or before due date, my credit history is strong. I should have had a say in who gets my business. I should not be having a financial crisis because of a company I didn't authorize to service. This is not good practice.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/XXXX RE : Written notice of unauthorized debit To Whom It May Concern : My account statement and my online account information shows a payment that should not have been made. 

I am writing to tell you the payment was an unauthorized transfer. My bank account number is XXXX. My XX/XX/XXXX account statement and other notifications online shows an automatic payment was made to Select Portfolio Servicing , Inc . However this payment was unauthorized. 

My Name : XXXX XXXX Checking Account Number : Payee Company Name : _ Select Portfolio Servicing , Inc . 
Payment amount : _____ {$1400.00} Date the payment ( s ) appeared on my account statement : XX/XX/XXXX Specifically : I never authorized the debit to this company. 

Select Portfolio Servicing, Inc., took over my mortgage from XXXX XXXX  in XX/XX/XXXX. We didnt know anything about them. They are a small regional firm located in Utah. We didn't trust them. Our mis-trust turned out to be well founded. 

Each payment we made was done with a physical check and sent via USPS Certified Mail. My check # XXXX was sent this way, and cashed XX/XX/XXXX. Minutes later, Select Portfolio Servicing, Inc. made a second, unauthorized electronic withdrawal of funds from my account in the amount of {$1400.00}. 

I want Select Portfolio Servicing, Inc., to make this right, pay any fines + overdraft fees.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (CA)

I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. Equifax reports shows that I have NO MORTGAGE and XXXX   shows an old mortgage and has it reporting as being closed. XXXX  shows the mortgage reporting accurately. XXXX  is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted Equifax to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to Equifax and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XXXX of XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of Equifax report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows XXXX   notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.
Consumer complaint received 2019-09-19
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. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There have been a number of requests sent to Equifax for the medical collection item to be removed from my credit profile. I have a letter where the XXXX XXXX XXXX has sent the deletion request to the credit reporting agencies. I also placed a dispute on XX/XX/2019 to have the item removed. The item is still showing as a collection item on my credit profile.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NJ)

I received multiple phone calls from a number a did not recognize. When I answered I was asked to verify my address. I refused to do so and asked for the purpose of the call. The agent did not answer. I asked which company and was told, Harris and Harris. I asked what type of company and told " a financial institution ''. I was asked to verify my name on a recorded line and I hung up. After I XXXX Harris and harris and saw that it was a debt collection agency I called back and spoke to Ms. XXXX. She said they had been calling to collect a debt on behalf of XXXX  for XXXX. I had already discussed this with them in the past and had in fact made the payment directly to XXXX  on XX/XX/2019.

After she consulted with her manager she said they could see I made the payment and she did not apologize and just blamed it on XXXX  not reporting the payment to them - even though she could clearly see the payment was made.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (FL)

i was a minor living with my mother not workin and attending school i turned XXXX and was told by apartment complex that i had to be added to the lease now my mother broke her lease and was charged XXXX dollars in her name i'm now XXXX and haven't been living with her since i turned XXXX i went to an apartment to sign my very first lease and was denied cause the debt of my mother is now stuck on my name as well for the same exact amount of XXXX dollars i should not be responsible for a debt that belong to my mother if i was the one who who initiated the debt i would of been obliged to pay it but i was a minor in school and i never initiated that debt i shouldn't be hindered by her negligence
Consumer complaint received 2019-01-17
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 recently discovered inaccuracies on my credit report. I disputed the accuracy of XXXX XXXX on my Credit report. the series of disputes went as followed i recently sent a letter on XX/XX/18 disputing this account they signed for the letter on XX/XX/18 which they marked disputed and verified i then sent another letter asking to provide me with proof of how the account was verified and present a contract bearing my signature, which they failed to do so. This is my last attempt to clear this matter up before we take the matter to small claims court and sue for {$1000.00} per violation .Please remove XXXX XXXX from my credit report as it continues to promote negative / inaccuracies on the credit file you hold in my name
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (NJ)

I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.