davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Spoke with collection company about a higher than original balance on my account. It turned out that the debt collection company decided to add anothers person account to mine. They claim it is my spouse, my spouse is A completely different person than what they claim and has been my only spouse. When I tried to get them to remove this debt or to offer me a letter saying that my payments will only apply to my original account to which I acknowledge and would like to pay they said they couldnt do that. All I wanted was a guarantee in writing that my payments will only go to the accounts that I am responsible for, not some other account that without my knowledge or any written proof that its in anyway linked to me, but they wouldnt do that either.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, XXXX, and Experian. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, XXXX, and Experian have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, XXXX, and Experian. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, XXXX, and Experian are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, XXXX, and Experian fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-28
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. (CA)

I have been trying to access my Experian report but Experian keeps stating that I am a minor. I am NOT a minor. Please fix this issue. There must be a mix up in my social and/or name. I have attached proof of my ID.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

Well in XX/XX/XXXX Seterus sold my mortagage to mr cooper. We paid a payment that month which mr cooper didnt process an I have been late ever since. I asked for a pandemic forebrance and received in XX/XX/XXXX I have a XXXX XXXX loan. They would not extend it and it ended XXXX. So they are going against the federal guidelines and not continuing.I live in Michigan in the county has is the hottest for covid 19. I am XXXX and afraid of leaving my house. Anyway a young man XXXX said i was approved for six months.Today i check back and told no. I am so upset that I am going to be thrown out of my house into a pandemic.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed :  XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

these guys are spoofing numbers from my phone so it looks like my contacts. I wont give them my information they call 3-4 times all from contacts in my phone i call my friends back they have no clue what I'm talking about. 
I live in Texas Thier website doesn't have credentials and licensing according to their website to practice in Texas https : //rauschsturm.com/ Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NY)

try this email address XXXXXXXXXXXX approx, how many times have you been at a restaurant? or any other situation where aomeone other then yourself had access to your credit card could hypothetically written all your info or ordered something via the phone, where someone has access to all your info regarding credit care and address info? why is it when you go to a restaurant to eat, the restaurant keeps a copy of your signed receipt? what is the point of a debit card being so? 
do you know when you call american express, when youre on hold, the computer generated voice goes, as a amex card holder, you are not responsible for any charged that you have on your bill.for what seems like six months american express isnt holding up to their part of the deal. i am sending the original letters to amex ceo and copies to president obama and you guys. who is " XXXX '' in salt lake ut ... they wrote with a lettetheas of american express global banking ref : XXXX basically their is no signature, theur is no debit card number password. 
XXXX just charges and got no signature or no verification wheres the ip address? 
but neither i nor the other card holder authorized this charge!
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

Mortgage was in a COVID related forbearance plan XXXX. Prior to COVID and entering the forbearance, the mortgage was current. In XXXX of 2021 the mortgager was contacted and ACCOMODATIONS to bring the loan current were made and completed. A company appointed Loss Mitigation Specialist advised me on XX/XX/2021 not to make a payment that the modification accommodations would begin in XXXX. Three auto draft payments were scheduled and made as agreed upon. According to the CARES Act a loan that was current prior to COVID where mortgage/ payment accomodations were made to bring the loan current within 120 days of the end of the Covid National Emergency , should be reported as current. The COVID national emergency ended XX/XX/2021. The mortgage company reported the loan late which resulted in a drop of over XXXX points to my credit score. I had never had a delinquent payment in the history of the loan prior to XXXX. Requests were made multiple times to remove the negative reporting from my report but the mortgage company refuses. 

During the forbearance and during resolution exiting forbearance, I remained in contact with my loan servicer. I complied with every request made to resolve all issues regarding XXXX related forbearance. As a customer who remained in good standing pre COVID and post forbearance, I requested negative comments be removed from my credit. The company refused despite several disputes and escalations.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NV)

On XX/XX/XXXX XXXX my account was compromise and created a fraud ACH {$1000.00} from my savings plus {$5000.00} worth in XXXX  coin, I have try nonstop emailing the company XXXX with no luck. I can not access my account and they company hasnt responded with any services or at least to tell me your funds are save. 
All they gave me was a case number # XXXX. 
Can you please help me recover my funds.
Consumer complaint received 2022-10-12
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. (NV)

On XX/XX/2022, I sent a letter requesting for validation of alleged debt from XXXX XXXX account numbers : XXXX and XXXX. I received the letter today XX/XX/2022 from XXXX XXXX dated XX/XX/2022 and failed to send me a proper validation and did not send me a what i asked for. and while i request to cease any collection reporting till the matter is resolve, they continued to report and that is violation according FCRA. i attached the copy of their response and the letter i sent to them and to the credit bureaus. 
USPS certified tracking : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (GA)

This account is involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-27
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. (CA)

XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Account number XXXX Address XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-01-21
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. (GA)

I've contacted XXXXy & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

Sometime around XX/XX/XXXX 2017 I XXXX my XXXX XXXX. I went to urgent care, and received a medical bill from XXXX XXXX XXXX XXXX XXXX totaling {$1100.00}. During the time, I went through financial hardships, and I didn't receive enough information to confirm that I had the debt under my name until it showed up as a derogatory mark on my credit report.
Consumer complaint received 2021-05-11
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)

There are 8 accounts showing up on my credit report that do not belong to me I have been wtriting and calling the bureaus regarding this but nothing is being done I have opened a FTC report regarding Identity theft I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (TN)

2 months ago I contacted this company to try to work out a payment plan with ( insight management ) that owned a XXXX credit card that was apparently mine from XXXX. They contacted my mother twice leaving voicemails, so I contacted them to try to pay them {$50.00} per month on a balance of what was said to be $ 2k. They refused my payment and said we would rather sue you then take your payment and when we do we will sue for $ 10k, so I told them okay I would see them in court. Fast forward to today XX/XX/XXXX they called my brother in law to try to reach me ( call is logged ) and gave him all of my personal information. They told him I owed XXXX furniture and even told him the FULL balance. This is illegal and my brother in law even told the person that they are not allowed to be telling him this. He is willing to testify if I need him for this. I called them an hour later and all they had to say was uh we are very sorry. You are sorry that you broke the law and this company should be took care of or freshened up on laws that they are suppose to know such as the debt collections practice act.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was going to transfer my balance to another financial company when I read there would be a 24 hour hold on the funds I clicked no I declined that transfer however PayPal did it anyway holding all my funds without transferring and funds to other account
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

For You and Experian : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance., And know Attaching Files on Your Website is NOT working if only at this time, FTC XXXX
Consumer complaint received 2022-03-28
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. (AR)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, XXXX AND XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX HAVE ALL VIOLATED MY RIGHTS.

PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-05-11
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: U.S. BANCORP (AL)

I checked my credit report on XXXX XXXX and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes Us Bancorp XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I disputed by Portfolio Recovery after receiving a debt collection letter from them. I requested a debt validation letter and mailed it by certified mail with tracking information on XX/XX/2022. I received nothing from them. I received an update on XX/XX/2022 saying Consumer information was verified but that I disagreed on XXXX credit report. They have not sent me anything after the dispute. I have copy of the letter they sent me and the letter I mailed to them. No investigation information or nothing. They just went to credit bureau and they updated it. How is this right? I have a right to receive a validation letter from a creditor according to the Fair Debt Act. Also stated that this was not a refusal to pay on the letter mailed to them. I have copies!
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GUARANTEED RATE INC. (MA)

We purchased the house in common with three people- 2 of whom have the same last name. The third person is routinely left off the mortgage and we had to call multiple times to have them added to the mortgage again. This adversely affected their credit report. 

We refinanced with the same company and again the same person has been left off the mortgage. According to the credit bureaus they are not on the mortgage- we will have to call and correct this AGAIN. They legally own the house and signed the same paperwork as co-borrower. It is due to the incompetence of Guaranteed Rate Inc that this continues to happen.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I am lodging a complaint against Wells Fargo for several reasons : - The branch where our safe deposit box is located was temporarily closed without any advance notice to allow us to retrieve critical time-sensitive contents. 
- I was not allowed to talk with representatives of the branch to retrieve contents I needed immediately but was instructed to email to set up an appointment. 
- The stated time frame for a response to my email was 2 business days, but it has been longer than that and I have not received any response from Wells Fargo. 

I lost a sale of my car due to not being able to get the title to the vehicle. This approach to not allowing access to my safe deposit box is deployable. 

What if I needed a Health Care Power of Attorney immediately or a Will or a Deed to our home? 

Certainly, the function of many Wells Fargo branches is fungible, except for access to safe deposit boxes. 

I still have not heard from Wells Fargo to gain access to my safe deposit box. 

Please appraise me of the status of my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (NJ)

On XXXX XXXX, we received approval from Mr Cooper for a mortgage modification in which the maturity date was XXXX XXXX. On XXXX XXXX, we got the final paperwork and the maturity date changed to XX/XX/2035. Numerous emails with Mr Cooper rep indicated that the mortgage investor changed the terms of my mortgage from a 30 yr mortgage to a 13 yr mortgage!!! THIS IS NOT RIGHT!!!!!
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I discovered on XX/XX/XXXX that my credit report had been updated with a 27 point drop due to Honda Financial Services removing themselves from my credit report ( also news to me ), as I have an open account in excellent standings with a balance that is paid on monthly. 
I called Honda Fin. Serv. on XX/XX/XXXX and was told that the trade line was removed from my credit due to new federal credit reporting guidelines. That I had 1 late payment in XXXX and utilized the option to defer 1 payment in XXXX, therefor resulting in the above actions to be taken. 
I was told for the remainder of my payments Honda will not be reporting to credit bureaus. 
I received no communication about this prior to it happening. I am upset that my future payments will not be part of my loans/payments that keep more credit score in excellent shape.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. 

I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. 

Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.