davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

For the second time, I have filed partial release documents with Roundpoint Mortgage and they will not file my partial release. I filed for the paperwork the second time on XX/XX/2021 amd it has been almost a month without Roundpoint even starting the partial release process. 
I did not hear back after I filed the paperwork until XX/XX/2021 ; over two weeks. I was told by my customer advocate specialist XXXX XXXX that she had no updates for me. 
It has now been over a week from that email amd I have still heard nothing and the process has not even started. 
I have waited a reasonable amount of time. This is ridiculous. Roundpoint Mortgage is a negligent incompetent company.
Consumer complaint received 2021-02-18
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: WELLS FARGO & COMPANY (NE)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-01-13
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. (TX)

Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ; {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; 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
Consumer complaint received 2022-12-02
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

Received a letter Dated XX/XX/18 stating owed XXXX to XXXX XXXX via XXXX XXXX XXXX. Received numerous phone calls trying to acknowledge debt. NO CONTRACT ON FILE stating obligation to owe or NO SIGNED CONTRACT and NOT AWARE OF DEBT stated to be collected. I am NOT the owner of this debt.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

I have been consistently reaching out to all three credit bureaus to correct an account thats currently reporting twice on my bureau. He has been over six months and still it has not been corrected. I have entered into a payment agreement of {$50.00} with the correct and original company to pay towards the balance due. This should not be reporting on my bureau twice. The original creditor has stated that they are only reporting it once. This needs to be corrected ASAP.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Second Round Limited Partnership, Austin, TX Branch (AR)

XX/XX/2021 I was served with a lawsuit filed by SECOND ROUND SUB LLC. 
I was blindedsided, first I had never heard of second round sub LLC or their allegations. 

I was sent nothing from Second round sub LLC or the law firm they are using to bypass the laws regarding debt collector lisensing. 

Nothing was sent to me prior to the lawsuit papers. 
Nothing sent by second round sub LLC or their hired law firm XXXX XXXX XXXX. 

I confirmed SECOND ROUND SUB LLC, IS NOT LISENSED TO collect or obtain a debt for collection on a Arkansas resident. 

I have found mixed interpretations on this Arkansas law, it looks like there is a grey area, these type third party debt collection agencies are abusing that grey area to file lawsuits on thousands of unexpecting Arkansas residents. 

Most of these civil cases end in a default judgement and the debt buyer then legally robs the individual for whatever amount they have made up and stuck in a baseless lawsuit. 

It's awful! it's criminal and must get regulated. Something has to be done. Look at the Arkansas civil court dockets. It's overwhelming packed with lawsuits as I just described. 

Consumers need to understand just because a third party debt collector says something in a lawsuit DOES NOT MAKE IT FACT. Not by a long shot. 

In my case, I absolutely deny what they are aledging, I know there is no factual evidence, because the allegations never happened. 

This has to stop. 

When a company is using a law firm to come after unexpecting individuals, they are using the courts as a weapon and it's threatening and can be very intimidating to a individual. 

Third party " junk debt buyers '' entire business model is based on default judgements! 
Where is the justice in this! It's twisted into legal robbery! 

Throwing hundreds of thousands of individuals and their families into bankruptcy, homelessness, a wide variety of negative impacts by this " grey area " and these business models set up to abuse it. 

I am filing a complaint on second round sub LLC with you and the with the Arkansas debt collector lisensing agency.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I was charged for transactions that didn't occur or weren't authorized by XXXX  and wells fargo allowed them to charge me over {$4900.00} in three days. I had made a few authorized charges from XXXX XXXX but not {$4900.00}! 

Most of the charges look like duplicates of the original charge, there are dozens of ont charge {$160.00}. Why would anyone need a dozen of the same thing in such a short amount of time? SOmething shady is going on at XXXX and Wells fargo allowed them to charge me erroneously and fraudulently. 

There's no justifiable reason to charge {$4900.00} to an account in increments of {$160.00} over three days other than fraud. 
I am attaching a copy of my bank statement showing the charges.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

This below debt collector has this information on my credit report. XXXX contacted them and of course they will said what they have is accurate. But I never opened a XXXX XXXX account for {$5200.00} in 2018. I never had a Visa card from XXXX XXXX.

The debt collector wants a police report. All the information I have is what they put on my credit report. I do not have the full account number or when this started other than they have it was opened in 2018. I would not open a XXXX XXXX account with XXXX XXXX at my Michigan address. They ignore this information. I have a Master Card with XXXX XXXX only and it is not a Michigan address.

LVNV FUNDING LLC Account XXXX {$5200.00} late payment since 2018.
Consumer complaint received 2019-07-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

After paying off a Ditech mortgage, Ditech sent an escrow check to the wrong address. The party that received the check forged my name and cashed the check. 

I have asked Ditech via phone calls, emails and web requests using their available tools and contact methods over 12 times. When I reach someone, they say it will be sent in 10 days and it never arrives. 

The copy of the check is needed to file a police report. 

Please, please help.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (FL)

There is a company called Miramed Revenue Group that is reporting XXXX accounts on my credit file. It appears many duplicates. I have never been contacted by this company nor provided any verification. I have disputed with not even a response. Please help on my credit it states {$270.00} {$280.00} {$120.00} {$120.00} {$390.00} {$120.00} {$190.00} {$120.00} {$120.00} {$120.00} {$280.00} {$370.00} {$190.00} {$120.00}
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

ARS COLLECT that couldn't provide me with my signature. ARS COLLECTION violate the HIPPA policy. They didn't give me of a contract that I made with them and I. I sent them letters and they could not give me no answers.
Consumer complaint received 2018-06-26
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. (CO)

I disputed this account and 2 agencies removed it. However Equifax did not and it has severely impacted my credit. 
This account was never mine. I didn't live in XXXX at the time or at the address of the account ever and it is an electric company in the state of XXXX. 
Date of first delinquency is XX/XX/XXXX ( with the collection company, not original debtor who couldn't put it on my credit report. ) Date opened XX/XX/XXXX I have lived in XXXX  since XXXX. 
The original creditor removed it when I proved years ago it was not my debt. 
They sold it to XXXX who continued to harass me for years and on XXXX put it on my credit report. 



Creditor XXXX XXXX XXXX phone XXXX Account number XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Dialed a phone number 1 digit off the Chase Card Lending number. The number dialed was XXXX. Chase 's actual number is XXXX. The person identified themselves as Chase. I said I was calling regarding a credit card application. They asked for identifying information ( name, address and date of birth ) then told me I'd won a {$100.00} gift card. I was then ask to provide a credit card number for covering the shipping and handling for that gift card. I refused to provide that information. The individual hung up. I made my banking representative know about this issue as well.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX   " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

This is a request for SunTrust Bank to reimburse me a total of {$100.00} for XXXX items ( {$64.00} and {$36.00} ), both for the same account. 

Item # XXXX : {$64.00} -- the merchandise I ordered on XXXX was not delivered ; this transaction was posted on XXXX/XXXX/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark ( the end of XXXX ) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be " escalated ''. Then, on XXXX XXXX, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, XXXX XXXX via USPS Priority Mail ( so I have the tracking number ). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be " escalated. '' Then on Friday XXXX/XXXX/2015, I received a letter from SunTrust ( dated XXXX/XXXX/2015 ) indicating that I had n't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on XXXX XXXX via USPS Priority Mail to SunTrust, XXXX XXXX XXXX, XXXX, FL XXXX ; SunTrust reps acknowledged that they received the form ; and I have continually followed up over the phone! This is absolutely unacceptable! 

Item # XXXX : {$36.00} for stop payment. I was advised that I would have to call on the same day ( i.e., Thursday XXXX ) to cancel the stop payment and not incur the {$36.00} fee. I called at XXXX EST. I was told that I should have been advised that I had to cancel XXXX hour before they close -- i.e., at XXXX!! So I was XXXX minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Consumer complaint received 2019-07-18
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. (IL)

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15  days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30  days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.