davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
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. (NJ)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX  is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Consumer complaint received 2019-10-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C. (TN)

On XX/XX/2019. I recieved a call from a XXXX at Wilber & Associates located in XXXXXXXX, IL. I missed the call and she left a message letting me know that I was involved in a car accident and that they are collecting on behalf of XXXX 's XXXX. When I heard the message I called her back and let her know I was never involved in an accident. She told me that there was a police report and that I was the driver that hit a parked car. Turns out that a car that I owned was involved in an accident hitting a parked car. The accident was in California I lived and still live in Tennessee and I had no idea because my sister had the car. XXXX lied about there being a police report. A number of phone calls later I repeatedly asked Wilber & Associates whose debt is it and I'm being told that " you are both responsible ''. I contacted Wilber on XX/XX/XXXX talked with XXXX and I let her know that I was looking into getting an attorney to find out my options and I also requested her to look into information surrounding the accident and she became beligerent by twisting my words, she said that Wilber isn't going to wait around for me to fight it out with my sister, she also said that she did not have to look into the accident because that would help my case and that I know what I owe so she doesn't have to let me know anything and that I just need to pay what I owe and they were going to give me to the end of the month to pay the full amount of {$5500.00}. After my phone call with XXXX on XX/XX/XXXX, she immediately calls my sister and tells my sister that I am going to sue her. My sister tells her to hold on and is going to call me on 3-way so that we can all 3 be on the phone. XXXX hangs up. My sister calls back to Wilber and talks to a XXXX XXXX who claimed to be the boss of XXXX 's boss. XXXX XXXX tried to convince my sister to take out a bank loan to pay the debt of {$5500.00}. After my sister 's phone call with XXXX I called to speak with him but I got a XXXX ( she was nice ) instead who forwarded me to a XXXX. XXXX wouldn't or couldn't verify questions about the debt. Wilber & Associates has been rude and using scare tactics on a debt that I'm not completely sure that I owe. I will be sending them a formal debt validation letter soon.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to Experian, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out XXXX letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.
Consumer complaint received 2019-10-18
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. (PA)

Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, Equifax and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.
Consumer complaint received 2019-10-18
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-10-18
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. (MN)

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SHAPESHIFT AG (PA)

I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (TX)

According to the FDCP Act, section 809, the Collection agency should notify the consumer about the debt for validation. I never receive any notice about any debt and the action the Collection would take.

So I still request to remove the Collection account from XXXX and XXXX   because I was never communicated about the debt.
Consumer complaint received 2019-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (FL)

Simons Agency Inc reports on my credit report that I have two accounts one for {$130.00} and another for {$200.00}. Both accounts opened on XX/XX/2018. Nevertheless, I've never received any correspondence form the agency. 

I have not received any service from XXXX XXXX XXXX anytime on the date open or anytime during the year of XX/XX/2018.
Consumer complaint received 2019-10-18
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. (MN)

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.
Consumer complaint received 2019-10-18
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. (MS)

Equifax is reporting incorrectly a collection/charge-off of {$1200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. This inaccurate reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage contract provides for termination of PMI at such time as the loan balance decreases to 80 % of the original value. I started last fall trying to have the PMI cancelled. They told me I the loan didn't qualify for cancellation of PMI since the balance hadn't reached 80 %. I finally contacting Shellpoint again in XX/XX/1019 to request the PMI cancellation. I received a letter dated XX/XX/2019 stating that as of the date of the letter, the loan balance had fallen to 77.14 % .of the original balance. So they scheduled an appraisal which was finally completed some three weeks ago and the appraisal stated the property had substantially increased in value. So All necessary things on my part have been long completed yet they keep telling my the PMI cancellation is " pending '', whatever that means. I am frustrated beyond tolerable. The customer serviced people have lied to me. When I call they say " we just got this request '' which they have had for months. They won't let you talk to a supervison, saying they don't have supervisors on demand. I ask about the status and they say they can notify " loan servicing '' but they can't call them while I am on the phone. I have emailed loan servicing and the only response is a letter via regular mail days later. This company is the most incompetent, unresponsive and unmotivated collection of pitiful people I have even run across in my life. This company is basically stealing about {$95.00} a month from me. Despite months of trying to get the PMI cancelled, and I clearly qualify to have it cancelled, I still have no idea when of if it will happen. I am contacting the Georgia Dept. of  Consumer Affairs as soon as I finish this report. I will recommend that this company be banned from doing business in Georgia. I am also pursuing legal action as this company owes me the PMI charges they have been making to my account due to their failure to act in a responsible and timely manner.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DC)

I received information from Wells Fargo on XX/XX/XXXX in regards to a reply from a previous complaint that I filed. i have yet to receive adequate responses. 

1. from XX/XX/XXXX-XX/XX/XXXX. I applied for 39 HAMP Modifications. Yet I was denied 37 Modifications although, I was approved by XXXX XXXX and Hamp? 

2. I was placed in Foreclosure in XX/XX/XXXX by Americas Servicing Company despite Evidence that I was in Good Standing. I received information from Wells Fargo stating that in XX/XX/XXXX I owed XXXX. In fact I paid the money upfront to XXXX XXXX XXXX   XXXX and when they entered Bankruptcy because of illegal practices the loan was sold several times in which the previous companies recognized payment and on time status. WHY WAS I PLACED IN FORECLOSURE FOR NON PAYMENT DESPITE THE FACT THAT YOU HAVE EVIDENCE THAT I WAS NOT? PLEASE EXPLAIN. 

3. Wells fargo and ASC ( Who is owned by Wells Fargo ) placed me in foreclosure since XX/XX/XXXX. XX/XX/XXXX ... .. and offered me a Modification in XX/XX/XXXX. YET, WHILE IN FORECLOSURE YOUR POLICY STIPULATES THAT CUSTOMERS CAN NOT MAKE PAYMENTS WHILE IN FORECLOSURE. AS a result, WELLS FARGO/ASC ATTACHED {$500000.00} to MY LOAN. COMMON SENSE SAYS THAT I WASN'T IN FORECLOSURE I SHOULD NOT HAVE BEEN DENIED ACCESS TO MAKING PAYMENTS. THE ARREARS GREW NOT BECAUSE I WAS IN DEFAULT BUT BECAUSE WELLS FARGO PLACED ME IN DEFAULT AND PAYMENTS AND INTERTEST GREW AND I WAS CHARGED FOR IT WHY? 
4. WELLS FARGO WAS INFORMED BY THE INDEPENDENT FORECLOSURE REVIEW THAT I SHOULD RECEIVE A Modification without restrictions for the following mortgage abuses : Redlining, Predatory lending ( 10 % interest rate, illegal Balloon Payment Rider, Computer Glitch which denied me and thousands of other customers Modifications and numerous other crimes ETC. ). Yet, Wells Fargo refused to honor the Modification. WHY? Clearly the Federal reserve board who investigated the loan knew what they uncovered. Yet Wells Fargo sends documents and refuses to Answer the questions. WHY?

5. Where did my {$37000.00} worth of payments Go? And why weren't they applied?

6. Why was I placed in Foreclosure when you clearly had the payments?
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Consumer complaint received 2018-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On or about XX/XX/2018, I saw an online promotional offer by Bank of America. The offer stated that it was for : New customers only, opening a new Bank account, online, checking and/or savings, and to receive a certain bonus amount. I proceeded to complete its online application with the intent to open a new bank account, as a new customer, to receive that bonus offer ( {$100.00} ). My application was accepted, a New Bank of America Bank Account was opened ( XXXX ), as well as a Debit Card issued. I received a Confirmation Number of ( XXXX ). Approximately 5 business days later, I did receive a new debit card and new account number in the mail. The particular account I chose to open had a Promotion as follows : I must open the account online, make a deposit of at least {$25.00}, and link two ( 2 ) automatic deposits ( minimum of {$250.00} every 30 days ), and must be established within ninety ( 90 ) days of opening the account. On or about XX/XX/2018, I went to deposit {$100.00} into my new account, but the teller said my new online account was closed by the bank. No reason given. During the next several weeks, I called the bank 's 800 number ( s )  trying to find out what happened. No one could help, my issue had to be " escalated '' to a higher power, with the promise I would be contacted with 72 hours. I received no contact. Completely frustrated. Finally, on XX/XX/2018, I was able to " make an appointment '' to speak directly to a representative at a local branch of the bank. After discussing the issue with the bank manager, he indicated that, if I opened a new account ( using my original confirmation number ), there should be no problem linking the Bonus Offer to said account. I asked if they could see why my online account was closed. They had no idea. So I deposited {$100.00} that day. I was told to continue to wait the full 90 days ( XX/XX/2018 ) for the Bonus to be deposited into my account. To that end, on XX/XX/2018, my direct deposit was established and continues to this day, completing my list of tasks to meet the bank 's requirements for the bonus offer. Now, five ( 5 ) months later, I am still waiting to receive the bonus promised by Bank of America. In fact, the many calls I have made during these past months ... being put on hold, stating my case to representative after representative, were not noted in the bank 's system, although each representative claimed they were typing notes to help document my case. I finally asked for and kept one reference number XXXX ( XXXX XXXX, who said she stated my case in writing in the computer, and to call back after XX/XX/XXXX if I hadn't received my {$100.00} bonus. No bonus forthcoming. So, again, I contacted Bank of America Rep, who said she saw " no notes in the system about my issue '' and she could do nothing but " Escalate the Problem '' again. Shameful ...
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WV)

I receive calls daily most weeke and most days other weeks from " MCM '' to my cell phone. They have also contacted relatives of mine out of state fishing for information. I have expressed that I do not want them calling my phone or relatives but it continues. The near daily calls never leave messages.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent & I have advised this company that this debt is not owed, however, they continue place this on my credit report. I have shown proof of such, I provided proof of identification which was ignored, the address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2019-08-03
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 my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled ) the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.