davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (NY)

I received numerous emails and calls from TrueAccord. On XX/XX/2021, I replied to the email stating, " I don't consent to being contacted at all '' by the company, so no phone calls, text messages, or emails about the supposed debt. By XX/XX/2021, I received an additional six letters in the mail from TrueAccord despite asking them to not contact me or anyone I know. I reiterated this to them and clarified on this date that I would seek compensation for violation of my FDCPA rights if they continued contacting me. 

Today, XX/XX/2021, I received three additional text messages from TrueAccord, again trying to collect a debt that I've never even made aware of. ( Their messages just keep stating that they're trying to collect a debt but never told me who, how, why, etc )
Consumer complaint received 2021-05-12
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. (NC)

OnXX/XX/XXXX I made a payment to XXXX XXXX for a car loan. This was my first payment The payment was processed. I check a couple times on the online system and it said the payment was processed. 
I received an experian credit report update on or aroundXX/XX/XXXX that said i have a late payment with XXXX XXXX. I checked the call in system and it said payment was processed onXX/XX/XXXX. I called the XXXX XXXX rep to find out what happened and she said payment was processed. I said your system told me it did. I found out that my bank gave me the wrong account instructions for my account. They wrote me a letter saying this was not my fault. That and also the XXXX  system telling me that the payment was processed gave me no way to no that I was 30 days lately. This is damaging my credit unfairly
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (MS)

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX US SMALL BUSINESS ADMINISTRATION XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I am having problems with roundpoint mortgage not dispursing my escrow money to my insurance company to pay my yearly ins premium. I have reapeatedly have called them and they have put me on hold numerious times along with lie n to me sayn they have overnighted my payment to my ins company.this has gone on since XX/XX/2019. They refuse to dispurse my money and i have well over the amount to pay it sittn there nor will they give me a explanation y..soo on XX/XX/XXXX my ins cancelled me n i had to pay out of my own pocket a XXXX dollars to reinstate my homeowners in n to keep this rgt for time being or till i can seek legal advise n consultation. I want something done about this asap.
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

XXXX XXXX XXXX  company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.
Consumer complaint received 2019-01-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (TX)

Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

In 2015 I realized I was a victim of identity theft. For several years my " trusted '' accountant was using my credit cards and opening accounts in my name for her own financial gain. It has been difficult for me to clean up the mess since it occurred over a long period of time. The remaining accounts in question are with American Express. I am not claiming that all of these accounts were fraudulent. The fact of the matter is that there were so many accounts involved, and it happened so long ago, that I can not say with certainty which accounts are 100 % mine. I wrote American Express a letter requesting my signed contracts and monthly statements so I could investigate which accounts and transactions were mine. They currently show a status of " charged off ''. I'm self employed and rely on my credit to fund my business. This obviously hurts me. I want to pay what I owe and fix the rest so I can move on with my life. AMEX did not respond. I wrote them 3 more times and included the police report. They never responded. Just today they called me and offered to settle my balances for 65 %. They further claimed they had no record of my police report. I'm offended that they couldn't care less about my situation and only want to collect money.
Consumer complaint received 2018-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (NJ)

XXXX XXXX XXXX XX/XX/2018, {$7200.00} Asked the company to verify the debt. Nothing received. 

They claimed they purchased the debt ( pennies on the dollar ), they want me to pay that amount so they can remove it from my credit report ( XXXX )
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Early Warning Services, LLC (CA)

I am selling some items on XXXX XXXX. This individual " XXXX XXXX '' ( XXXX XXXX  ) XXXX or XXXX... made an appealing offer that they were going to pay me {$400.00} but I had to send {$300.00} first in order for my account to become a business account. However, I soon realized that ZelleXXXX never had such an extensive process and the transaction itself took so long so that's when I connected the dots. If you're ever in this situation, try to keep in contact with the scammer for as long as possible and get as much information as you can. I am secretly reporting this individual in hopes to get my money back. Watch out for yourselves.
Consumer complaint received 2022-04-09
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. (AR)

n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently learned that my personal information was used to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX  I did not open or authorize this account, and I therefore request that it be closed immediately. I called the company personally on XX/XX/XXXX and spoke with XXXX he then told me to write a detailed letter supporting my cause, and to attach police report & or any Complaints filed.
Consumer complaint received 2022-04-09
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. (AR)

n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I have contacted Navient multiple times advising them that I had not cosigned on XXXX different loans held by a XXXX XXXX. I have requested the fraud form from them numerus occasions and have still never received such a form. I had contested the items with the credit burros who one of the main three has found enough evidence to remove the reporting to my credit. XXXX is my ex-wife who had asked me at one point to cosign in which I said I would not as all bills were covered and she had federal school loans that covered her schooling. I have advised Navient that I was on Military orders when she signed my name to the first loan and also offered to provide said orders to them proving such. This loan was taken out XXXX in the amount of {$6000.00}. I have also informed them that I filed for divorce from XXXX in XXXX of 2012. Navient also allowed XXXX to open XXXX more loans with me listed yet again as a cosigner. The second loan for {$5000.00} was taken out XXXX, This timeframe I was again on military orders and no way was available to sign any paperwork, this too has been conveyed to Navient with no resolve. The third loan was taken out in the amount of {$5000.00} on XXXX, at this time XXXX was not living at my residence as I had asked her to leave and filed for XXXX. During the XXXX  none of these loans were disclosed to me and I had no knowledge of them until years later when I attempted to buy a new vehicle and they said no because of the debts. I have since filed to press charges on her with the Michigan XXXX  XXXX  and a report has been made. Navient has also been informed of this report and given the report number. Navient still refused to remove me from the loans and also failed to present any loan documents containing my signature. Subsequently I have found out that they allowed XXXX to complete all the loans online and signed a digital signature without asking to provide any of my identification or speaking to me as well. I am not sure where else to turn to have this removed from my credit fully and not be held liable.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I have disputed the value of the bpo given by Mr.coopers representative for months. 

I have now as of last week requested a full Appraisal on the home and come today XXXX. I was told that no new evaluation of the home can be done for 120 days from the first evaluation. 

They ( Mr.cooper ) Continue to give the run around and do not have their customers best interest in mind.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd (AZ)

This was added to my credit report with out any mailing or notice. I demand that they show this debt is mine and that they are even allowed to collect in my state. Show me were I signed and if this is still within the statue of limitations for my state.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

I have an account placed with XXXX XXXX XXXX. I have had a payment plan set up with automatic payments ( {$180.00} ) deducted from my account on the XXXX if every month. Midland has all of the sudden  stopped deducting the payments- this is the 2nd time they have done this, resulting for my account to reflect late or negative payments and accrued interest. I have never requested them to stop payments nor have I changed anything such as my checking acct number where the payments were being deducted from. I was also never given the right to dispute this. I have been diligently working on repairing my credit and this is an unfair practice that brings my score down.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2022-12-06
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)

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, Equifax, and XXXX are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

On XX/XX/2022 I sent EXPERIAN a dispute letter on behalf of four total accounts XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 




EXPERIAN only investigated 2 of the accounts ( XXXX and XXXX XXXX XXXX ) .Somehow they removed the other 2 accounts without an proper update. They lied and stated the accounts were not listed but I have before and after documentation that the accounts were listed. They had XXXX XXXX XXXX listed as a duplicate account with the same balance due on each account which is an error on there end. This is why they tried to sneak and remove the account and falsely say the account was not listed on my consumer report.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Funds were deposited in my account from an escrow account, by check. The funds were withdrawn in FULL from the escrow account ( XXXX  XXXX XXXX ) on the same day. CitiBank has taken it upon itself to dole this deposit of funds in a stretched incremental way! After consulting a lawyer and other banking individuals, I have determined this is NOT a usual procedure for funds that have been already paid/collected. I am therefore requesting a full and thorough investigation of CitiBank in regards to this practice, furthermore I request action on behalf of all clients and consumers of CitiBank services for compensation and or fines up to and including legal actions to prevent this in the future. Quick response and action in this matter is requested.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

UPDATE AFFIDAVIT OF FACT WELLS FARGO FRAUDULENTLY CONTINUES UNFAIR & DECEPTIVE BUSINESS PRACTICES THAT LEGAL AID OF XXXX XXXX XXXX " XXXX '' DESCRIBED DURING A XX/XX/2022 XXXX. CONFERENCE CALL " ASK A LAWYER '' AS CONTINUED FRAGRANT ABUSWE OF CONSUMERS REPORTED TO CFTC THIS CONTINUES TO INCLUDE FALSE NARRATIVE CONCERNING LACK OF HOMEOWNERS AVAILABILITY BY PHONE TO DISCUSS THE " ISSUES '' THE " ISSUES CONTINUE TO BE THE INFLATED COST OF ESCROW THAT DOES NOT COMPARE WITH THE XXXX XXXX OFFICES FOR TAXATION, THE INSURANCE COMPANY CONCERNING COSTS TO INSURE AND MOST RECENTLY THE DISTRUBING ISSUE THAT WELLS FARGO ACQUIRED A " STRUCTURALLT DAMAGED PROPERTY MORTGAGE '' FROM XXXX XXXX WHO MISS REPRESENTED PROPERTY VALUE DUE TO THE STRUCTURAL DAMAGE THAT HAS LITERALLY SHOULD PLACE THE PROPERTY FOR CONDEMNATION UNTIL EITHER RESTORED ( WHICH IS NOT SUSTAINABLE BY THE OWNERS ) OR DEMOLISH THE STRUCTURE & SELLING THE LAND @ A VERY HIGH VALUE. THE LATTER CAN NOT BE ACCOMPLSIHED UNTIL THE PROPERTY IS RAZED. 

WELSL FARGO HAS REFUSED TO INTERVENE & PURSUE WHAT SHOULD BE JOINT DAMAGE WITH THE OWNER TO SECURE DAMAGES BECAUSE XXXX XXXX  LIB AILITY IN VIOLATION OF STATE OF NEVADA REQUIRED DISCLOSURE LAWS. 

WELLS FARGO PER THIS AFFIDAVIT HAS REFUSED TO COMMUNICATE SOUND FINANCIAL FIGURES FOR THE ESCALATION OF ESCROW & UTTER VIOLATION OF THE AUTOMATIC WITHDRAW OF FUNDS SINCE ACQUIRING THE MORTGAGE FROM XXXX XXXX. 

WELLS FARGO MUST REIMBURSE XXXX XXXX FOR THESE INFLATED WITHDRAWS THEY MUST INSIST THAT XXXX XXXX BE HELD ACCOUNTABLE FOR THE FRAUD THAT THEY HAVE IMPLEMENTED & AS A RESULT PROVIDE DAMAGES TO BOTH WELLS FARGO & XXXX XXXX PROMPTLY & WITHOUT DELAY. 

FURTHER EVIDENCE OF FRAUD : @ THE VERY LAST MEETING BEFORE XXXX XXXX DISAPPEARED & WAS A NO SHOW TO MEET @ THE XXXX XXXX XXXX XXXX XXXX STATED THAT EVERYTHING WAS FINE & THAT THE APPLICAITON WOULD BE APPROVED BEFORE THE HOLIDAY! 

HIS DISAPPEARANCE WAS BOUGHT UP TO ASSUMING SUPERVISOR WITH NO AFFIMRATIVE ACTION- ITS LIEK THE MILLION PLUWS FRAUDULENT ACCOUNTS THAT WELLS FARGO XXXX IN A XXXX XXXX XXXX PROGRAM! 

THEY CHOOSE NOT TO ADDRESS IT- BUT STATE FALSELY THAT FINANCIAL INFORMATION REQUESTED WAS NEVER PROVIDED. 

WHAT IS THERE EXPLANATION FOR NOT CLOSING ON TIME THAT COSTS XXXX XXXX {$1500.00} IN EARNEST MONEY?
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NV)

Sunrise Credit Services reported an unpaid debt to XXXX XXXX XXXX XXXX XXXX to XXXX  and XXXX  credit bureaus on approximately XXXX XXXX. I have no knowledge of this debt and no historic dealings with this particular branch of XXXX XXXX XXXX. I have had an account with XXXX XXXX XXXX for internet services for the past 14 years which is currently paid and shows no amounts due. I contacted Sunrise Credit Services regarding this debt and they checked their records and were unable to locate any record of a debt by my name, social security number, or the partial account number listed on the credit report. At that point, they refused to take any measures to remove the false report from my credit reports. The representative stated that there was no way they could remove the information since she couldn't find it in their system. I requested help from someone more knowledgeable and was told all managers were " in a meeting '' and I should call XXXX XXXX XXXX to fix their mistake.. The representative was obviously lying and just refused to take responsibility.
Consumer complaint received 2022-04-09
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. (WA)

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ i paid off this account but it ; s still showing that iowe a balance