davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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. (TX)

It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint XXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like stupid children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have Russian friends who are also embarrassed for their country. XXXX treats their people like stupid sheep just like big companies do here.
Consumer complaint received 2018-05-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.
Consumer complaint received 2023-06-12
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. (CA)

I have a fraudulent accounts on my credit report, which I reported to BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have contacted XXXX XXXX by mail on numerous occasions. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have requested XXXX XXXX to verify that this debt belongs to me from XXXX XXXX and they have not provided me with a response yet. The address that they are reporting to the credit bureau is an address that I have never resided. I have contacted the credit bureau by mail and phone and their response is that they have verified the debt but thy have not informed me on how the debt was verified. I have even informed the credit bureau that the address that XXXX XXXX is reporting is not correct and has never belonged to me. I know by law that a collection agency is required to verify a debt which they have failed to do for over a year but yet they are still reporting this incorrect information to the credit bureaus. Would you please be able to assist me with having this account removed as it is hindering my credit and should not be being reported.
Consumer complaint received 2022-06-19
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: Professional Debt Mediation, Inc. (FL)

I contacted Professional Debt Mediation via certified mail in XX/XX/XXXX to inform them that they are in violation of the Fair Credit Reporting Act by listing the debt as an open balance and public information without my consent. I also challenged them to validate the amount of XXXX and the validation letter I received was incomplete and inconclusive due to the fact that rental ledger I received from them only listed rental charges beginning in XXXX XXXX in the amount of XXXX. There is no ledger listed from XX/XX/XXXX ( the first day of the rental ). Also, in the rental agreement XXXX XXXX is listed a my nearest relative. This is inaccurate/false because the handwriting is not mine. This complaint is based on inaccuracies and lack of full disclosure which violates FCRA guidelines.
Consumer complaint received 2022-03-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on XXXX.
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

I was approved for a loan modification in XXXX and made XXXX trial payments on my Mortgage and also sent the final CERTIFIED modification agreement to XXXX via mail in due time, but XXXX has denied receving the fee agreement and they are not willing to help me any further on this. 

I read on XXXX that they have done this with various people and this is how they foreclose on people who have high equity on their mortgage.
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (TX)

It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like XXXX  children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have XXXX  friends who are also embarrassed for their country. XXXX treats their people like XXXX XXXX just like big companies do here.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (MD)

On XX/XX/2018, I received a letter from XXXX XXXX XXXX  stating I was the winner of the {>= $1,000,000} grand prize. I called the number on the letter and they asked me how I wanted to collect my winnings. If I wanted it to be kept quiet, without a lot of fanfare, I would have to give them a cashiers check to cover taxes before I could collect the money. They said they would deposit the money into my account and deduct from my winnings and I could take my cashiers check to the bank they indicated. They also told me I would have to get a debit card for the account, which I did and provided that information to them They told me I would have to keep everything very quiet and to not tell anyone that I had won. They then proceeded to collect my personal information from me, they said, to prove I was the correct person. I was a little worried, but when I went to the bank to get the cashiers check, I had them check my balance and it was up by the {$2800.00} amount they said they would deposit for me. I then believed everything was legitimate because they had put the money in as promised. So I took my check and drove to the next town where there was a XXXX XXXX XXXX bank and deposited that check as directed. I was in the process of having to pay the second larger amount for taxes, when I let some of my family know that I had won. They immediately became concerned this was a scam and had me call my bank. My bank confirmed it was a scam and that the {$2800.00} had actually been transferred out of my money market account. Luckily, they were able to stop payment on the larger check that I was getting ready to pay them for taxes. My complaint is that the bank should have verified with me before transferring money from my money market account to my checking, none of which I authorized. I never use on-line banking and have been a customer for many years. I never had a debit card prior to this situation, due to the different account activity, that was very different from my usual activity, I feel they should have contacted me to verify it was legitimate. I am asking to have the {$2800.00} reimbursed to me, as it was taken out fraudulently and without my consent. I unknowingly gave them the information they needed to access my information on-line. I did contact the bank and filed a claim, which was denied, so I am now reaching out to you to see if you can help me resolve this issue. I have also filed a complaint and provided all of the information to the local police department.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/17 i Transfer {$1800.00} from my wells fargo checking account using XXXX. 
I add the recepient email address to send him the funds. 
The recepient receive the email confirmation that the funds where on its way but they never arrived and the curios things is that the email he received say that the funds where going to a different bank and to a different name. 
As soon as this happened that same day we contact wells fargo over the phone and also in person, they open a claim at the branch and one claim over the phone. 
After a couple of weeks i got a letter that there is nothing they can do because the funds went into someones account and the bank that receive it ( XXXX ) cant cooperate on providing information on the person who receive the funds. 
After this first claim i tried 3 more times opening new claims, and the answer was always the same.
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX, I emailed Coinbase to follow up about a balance transfer of any bitcoins from my old account to my new account. They responded on the same day saying they will process and follow up. I didnt hear back, so I contacted them on XX/XX/XXXX. On XX/XX/XXXX I followed up to see if there was any progress. They responded back and said that the issue has been escalated and a review will typically takes 5-7 days, after that they will confirm that my issue has been resolved. I did not hear from them. I reached out today, this time with a phone call, and was told Coinbase was backed up. The representative also said she placed my issue as high priority. 

This has been happening for a few months and I dont know how much bitcoin is in my account now.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

MIDLAND CREDIT MANAGEMENT IS LISTING AN ALLEDGED DEBT ON MY CREDIT AND I DONT HAVE A CONTRACT WITH THEM AT ALL OR KNOW WHO THEY ARE. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Wrote letters about 45 days ago with the results of verified XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

My son, has been on SS benefits since he was 8 years old, he has XXXX  XXXX  and XXXX  XXXX  so I am writing this out for him. He got a credit card back in XX/XX/2008 and I was paying on it. He had a run in of problems and couldn't pay any longer. Through the years we got phone calls, letters to pay XXXX XXXX. Years ago an attorney firm of Hayt, Hayt and Landau contacted us, made everything look legal, but still my son said can not pay. Just a week ago, I received this deposition notice that they want him to appear at the Bar Association where we live with all kinds of paperwork, proof of income, property, etc. All he has is one vehicle and we share one junked vehicle. Now today I get a FINAL NOTICE from the USPS that there is a large package that has to be picked up. We are home everyday, no post officer knocked on the door for a  signature, he just put the slip in the mail box. I wrote them on their website ( Contact Us ) and told them, he is on SS, this is a very old debt, not on his credit report ( which I just checked yesterday ) and to stop harassing us. We do not have anything else, as myself, and my other son are also on Social Security. I am my son 's rep payee and he says he will not pay an old debt. They can not garnish federal benefits if this is a time barred debt. If this makes it to the Magistrate, then so be it, we will make payments. But they have been harassing us for years, I had to get a phone system that blocks callers. I read on the net that this company has gone to many lengths to collect a debt. If this is something we definately need to take care of, I need to know. I will talk to my son but it will have to be a very low payment every month and they can bring it down 30 %. I am afraid to talk with them on the phone and my son won't.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (FL)

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (MA)

hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Consumer complaint received 2020-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I have an account with PNC Bank. I have been trying to link my debit card to my XXXX account so XXXX XXXX can be deposited into XXXX XXXX but PNc has blocked this ability. I want to be able to link my card to XXXX ( through XXXX ). Ive tried to discuss this with PNC and they wont permit it.
Consumer complaint received 2023-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

For the past XXXX years I have struggled to make mortgage payments and Carrington Mortgage failed to allow me to use pandemic protections, failed to accept application documents to secure a modification, refused to accept payments, failed to respond to complaints, failed to properly review and process application for a loan modification in XXXX, XXXX and XXXX, threatened to foreclose and finally foreclosed on property on XX/XX/2023. 

I
Consumer complaint received 2022-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. 

Thank you
Consumer complaint received 2021-12-22
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 am a victim of identity theft that creditors are reporting on my credit report after numerous of times trying to fix the false debt on my credit report from XX/XX/XXXX to XX/XX/XXXX i have called and spoke to fraudulent departments i have disputed information i have sent letters i have contacted original companies also.i filed police reports multiple times and summited information. I filed complaints through CFPB over the years also for help and followed the guidelines for identity theft for recovery non has been granted.