davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.
Consumer complaint received 2019-02-04
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation (IN)

I have student load debt from XXXX. The original lender was XXXX XXXX, then XXXX. Within the last 4 months it was transferred to XXXX, XXXX, and then XXXX XXXX etc. I have not received any update on transfer. On XXXX, Performant called my XXXX year old grandmother re my student debt. My grandmother is not a co-signer nor contact from the original debt. She is also XXXX. When she answered the phone, Performant told her that I had a debt and if I was not available could they speak to XXXX XXXX ( my mother ). My mother is not a co-signer on the debt. As my grandmother tried to figured out, the helper came into the room. She saw my grandmother in distress and took the phone. At that time, Performant also told her that I had a debt. At that time, the helper asked for contact info and Perfomant refused. She called my mother who in turn called me. I went online and called the general number to resolve the issue. It was frustrating because I could not get any information no the nature of the debt all though Performant told my grandmother and her helper. I've tried to get documents in the mail and Performant refused. It is very confusing to keep track of student loans when it transfers to several different lenders within months with no written communication. Additionally, now, my grandmother is concerned about my debt and she is in frail health.
Consumer complaint received 2019-02-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Service, Inc. (Indiana) (FL)

To Whom it may concern, Below is the letter that I sent to the creditor over 60 days ago to dispute the reported debt. To this day I have not received any response from the creditor. Also, I never received anything stating that this debt would be added to my credit report and have not received any kind of written notification.

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 


Thanks in advance,
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I have paid my fire district dues each year since I purchased my home in XXXX, except for XXXX. I refinanced in XXXX, and in XXXX XXXX XXXX paid that from my escrow account. I called and was told orally they wouldn't do it again, followed by letter and a notation on my account page on the web site. XX/XX/XXXX with no notice to me XXXX XXXX agent cut a duplicate payment against my escrow account, which was returned uncashed by the fire district since I paid my bill. Each time I called XXXX I was told that it always pays fire district dues ( you can see from attached pmt history that was not the case XXXX, just XXXX ). Based on this transaction XXXX sent me a " deficiency '' notice requiring {$300.00} from me or they will jack up my monthly payment by more than {$55.00} per month. If someone will just " find '' or stop payment on the uncashed {$320.00} check it will more than cover the so-called deficiency.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (VA)

I get four plus phone calls per day. The collection agency, Midland Credit Management, sent a XXXX form listing a balance of {$1400.00}. Midland represents XXXX XXXX   XXXX. I talked to two Midland representatives one day and explained to them that I never had or applied for any type of XXXX card. This was to no avail and the harassing phone calls continue. 1. Fraud has been committed or 2. Because of poor business practices they allow anyone to get a card without verifying their I.D . or 3. MIDLAND,  XXXX, and or XXXX are involved in a consumer scam. I talked to XXXX information at a local XXXX. They have nothing to do with credit cards of XXXX Bank. No one at XXXX could give me a phone number to call. They said XXXX is only on the receiver end and not involved with card issues. ++They did say that XXXX is switching to XXXX XXXX XXXX++.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Since XX/XX/2019 I have been receiving unwanted harassing telephone calls on my cell phone from a company called Midland Credit. I have been called from ( XXXX ) XXXX on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, after which I blocked the number, as I do not have any debts and don't even have a credit card. Since then they have called me from ( XXXX ) XXXX on XXXX at XXXX XXXX  ( blocked ) and just this morning from ( XXXX ) XXXX at XXXX ( also blocked ). This company has a notorious record of harassing innocent people seemingly at random with daily unwanted and unnecessary phone calls. They don't even leave a message so I don't want to have any direct contact with such unscrupulous people. I want this stopped and if they don't stop these calls I want to go on record that I feel I deserve financial compensation from them for enduring this abuse.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Eagle Accounts Group, Inc. (FL)

I have 2 closed accounts one being child support stating I owe over {$5500.00} but says I've made zero payments.. I got all the receipts or records of my payments of what the state has asked for online on the dcf website.. I'm also scared they are gon na take my returns I worked so hard for away again for the 2nd year In a row.
Consumer complaint received 2022-09-02
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. (VA)

Deletion of XXXX XXXX According to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit report.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to Transunion on XX/XX/XXXX in regards to inaccurate information they are reporting on my credit report. I checked my credit report today and they have not corrected any of this information and they also have not sent me any results back. I tried to get the furnisher to correct it also and they sent me back to the credit bureau who are not investigating. They are in violation of the FCRA by failing to provide results on their investigation, failing to respond in 30 days and failing to conduct a proper investigation.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15USC 602 states I have the right to privacy.

15 USC 1681 section 604 states a consumer reporting agency can not furnish account information without my written consent.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Almost years after the last late payment all three agency are reporting the above mentioned late payments and using it as leverage to wether or not I am extended credit and at what interest rate.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. On XX/XX/XXXX, I requested for an MT103 from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the MT103 was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. On the MT103, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX Bank based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, Experian, XXXX and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on Experian a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

Experian, XXXX and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank, has charged what they state as trailing interest. They state this interest was calculated on a XXXX balance. I have a letter from Chase stating my balance is XXXX and my account is closed.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I wrote a verification letter to IC Systems in XX/XX/2018 and did not receive a response from them at all. I filed a dispute with XXXX XXXX as the account is not mine. I explained to them that I wrote a verification letter to IC Systems with no response from IC Systems. On multiple occasions without sending proof of verification, they ( XXXX ) claimed the account is verified accurate.
Consumer complaint received 2019-09-18
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: Experian Information Solutions Inc. (SC)

My Experian credit report is showing a balance on an account, XXXX XXXX XXXX, that I have paid in full, {$830.00}. I have the original documentation from XXXX XXXX XXXX indicating that the account has a balance of {$0.00} dated XX/XX/2019. I have sent this to Experian, I have talked to a representative at Experian and he had the copy in his hand and stated that during their investigation they didn't get all the information they needed from the lender to change the information on my report so it remains as verified, yet the verification date has not changed? I have disputed this XXXX times already, my account representative at XXXX XXXX XXXX, XXXX XXXX XXXX, would like to be contacted personally by Experian to verify the balance on my account is {$0.00}. 
If I owed a balance of {$830.00} why is my account still in good standing so many months later? The people at Experian must be XXXX  not to understand that my account is paid in full with the document in hand and the account in good standing with no collections.
Consumer complaint received 2019-02-04
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. (NC)

I have called and disputed these accounts. I have emailed the CEO to have his team look into it and start a dispute. I have even sent in documentation showing that an old Mortgage account should have no late payments. The company responds by saying they can not read the document clearly or that I have already disputed this information and unless I have newer documentation, they can not reinvestigate.

1. XXXX XXXX FKA XXXX - is NOT my account and needs to be deleted. 
2. XXXX XXXX is showing 2 late payments - this account was never late. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late.

4. XXXX XXXX XXXX has several late payments. I have sent them proof that this account should have no late payments and they refuse to remove them saying they can not read the document. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late. 
6. XXXX XXXX XXXX This is not my account and needs to be deleted.
Consumer complaint received 2023-01-26
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)

XX/XX/XXXX I was notified that my info was breached in the XXXX XXXX XXXX and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of XXXX credit bureaus have complied and has been going on almost XXXX months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft XXXX  and the XXXX XXXX XXXX forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The XXXX bureaus continually still shows XXXX different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC XXXX  to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}
Consumer complaint received 2019-02-04
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: HCFS Healthcare Financial Services of TeamHealth (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX  sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is not mine.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc. (TX)

Mother informed today XX/XX/2019 that the company PDM located in Florida called her regarding a debt for me. This company has previously called leaving messages sometimes or just calling with no message as to who they are and the matter. 

I called the company today to inform them to stop the calls to me and my mother and I would only like mail correspondence. The rep, XXXX XXXX, said okay and gave the explanation of how it would effect my credit which is fine and I told him I understand and to mail the statement. He continued to go on about taking care of it now and I told him AGAIN to mail it to which he responded " That's stupid I don't understand how that makes any sense, good luck. '' I don't care what he thinks but professionally that is not how you speak to anyone.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (FL)

data sets related to inputting of accounts were not XXXX XXXX Compliant payment status data listed is mismatched, compared to other credit For the following hard inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE XXXX
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (TX)

Dear Sir, dear Madam. 

We have been Dovenmuehle borrowers since the end of XXXX, when our previous lender was bought by Dovenmuehle and we ended up paying mortgage directly to Dovenmuelhe. 

Through XXXX and until XX/XX/XXXX, our mortgage on our XXXX, Texas residence, was of $ XXXX/month, based on Escrow Account Projection for XXXX, as presented to us by Dovenmuehle at the beginning of XXXX : Principal and Interest {$2600.00} + Required Escrow Payment {$1000.00} + Shortage/Surplus Spread {$27.00} = $ XXXX/month. 

At the beginning of XXXX, we were notified that our mortgage would increase with almost $ XXXX/month, because our Required Escrow Payment increased to {$1400.00} ( a {$360.00} increase ) and our shortage increased from $ XXXXmonth to {$51000.00} a spread for 12 months of {$6200.00}, that we apparently owed Dovenmuehle.

While the increase in the required Escrow payment increase of {$360.00} made sense, because it represents the increase in taxes and insurance, cumulatively, we asked Dovenmuehle to show what had they paid for us to justify the {$6200.00} ( or 12 month of {$51000.00} ). The explanation was that Dovenmuehle paid for us a {$2600.00} increase in the taxes, the delta between the projected taxes for XXXX ( {$8.00} ) and what was actually paid ( {$10.00} ) we agreed that we need to reimburse Dovenmuehle for this and change our tax regime with the county, as we have been overtaxed. 

However, when contacted, Dovenmuehle was not able to explain satisfactorily why the remaining amount up to {$6200.00} namely, {$3600.00} was necessary, as the future taxes and insurance were already included in our required and increased Escrow payment. They indicated that this would be a cushion for other expenses, but the taxes and insurance are already included in our increase and the actual amount they spend for us in XXXX was the {$2600.00} for insurance costs.