davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX, having written off an old debt that I owed, having exhausted all avenues of repayment because of the dire financial circumstances I was in at the time, but this debt was bought by Midland Funding, who eventually took me to court. This item was dismissed by the Circuit Court of XXXX XXXX County, Mo on XX/XX/XXXX, but still remains on my credit report, last reported as active on XX/XX/XXXX. I have worked with the three credit bureaus since XX/XX/XXXX to clear up this matter. All have co-operated with the exception of XXXX, even though I provided documentation. 

I need to understand how the documentation was verified as correct to two bureaus, but not to all three. 

Original debt : XXXX XXXX  for XXXX Account Attempt to collect : Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XXXX, we were impacted by Hurricane Irma and as a result, deferred our mortgage payments under law for 6 months. At the close of the relief period, we opted to extend our loan 6 months and spread escrow over a 60 month period. 

Shellpoint Mortgage Servicing assumed our mortgage from XXXX in XXXX XXXX. In XXXX XXXX, they performed an escrow analysis and attempted to raise our mortgage by more than {$600.00} per month. The reason being, they did not honor my agreement for deferred escrow. I have called and written them month after month. They will not resolve the issue, they are charging me monthly late fees, reporting me to all credit bureaus, sending demand letters, calling daily and speaking to me as if I were a criminal. I want to sue them but Id prefer to have regulating agencies handle this. Please help me, this is impacting my mental well being amd adversely impacting our credit scores.
Consumer complaint received 2023-03-10
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: Stellantis Financial Services US Corp. (AZ)

In accordance with the fair credit reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XXXX.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

my name is XXXX. I have a checking account and credit card at Wells Fargo bank. It was the end of the month, and I was about to make a payment to pay off my Wells Fargo credit card. When I signed in, I saw that my checking account was extremely low, and i was not sure why. I checked to see why. I saw that there was a transaction that was NOT authorized by me. the transaction amount was XXXX dollars. it was a bill pay for a XXXX account. the transaction is described as " Bill Pay XXXX XXXX   Services on-Line XXXX on XXXX '' .I do NOT have a XXXX  account. I freaked out, because I never made that transaction, so I made a call immediately to the fraud department. They said that they will do an investigation. Wells Fargo sent a message in the mail saying that your claim has been denied, because they were unable to reach me. I went to the local Wells Fargo, and I found out that the phone numbers that were on file were not mine. they re-opened the investigation, and they said " our research of the transaction shows that it was requested through a secure online banking session using your username and password ". The employee that works in the fraud department told us to try and contact XXXX  to see if they can help you identify the person. We contacted them, and they refused to give us any information, because we do not have an account with them. we went back to the Wells Fargo bank to try and get the phone numbers that was on my account that wasn't mine. They also refused to give us the numbers. Every time we tried to solve the issue, they refused to help us, so they closed the case, and they did not want to re-open the claim. I really need this money. I worked extremely hard for it, and I got nothing out of it. I have a son that needs to go to college, and he needs some of the money.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (MD)

This involves a company called Binance.us which is an online exchange for buying cryptocurrencies ( similar to Bitcoin ). Before buying these currencies ( such as Ethereum ), your have to fund your account with US dollars. I was not able to send money to my account with Binance.us from my XXXX XXXX  account- XXXX XXXX in XXXX MD because Binance 's wiring instructions was not working and also improper. For example, the beneficiary of a wire to Binance was a company named XXXX XXXX and not myself or my name ( which it should be ). i tried three times in XX/XX/XXXX to send money to this account and it never worked. A fourth attempt was made on XX/XX/XXXX to send a {$4000.00} money order to them and after two months of not being credited, the money order was returned to me is a letter from XXXX XXXX and XXXX XXXX on a letterhead which looks suspicious and not an authentic company and not a company related to Binance.us. A copy of the letter is attached with the phony, inauthentic letterhead. The problem since XX/XX/XXXX is that XXXX XXXX tried to debit my XXXX XXXX  account 4 times {$20.00} or {$80.00} for failed funding attempts and XXXX XXXX  dismissed and credited those charges because they knew they were false. After that, Binance.us froze my account with them until I paid the {$80.00} in false charges. It has caused a lot of stress for me not able to access my account which Binance has no right to do. They said they would unlock my account when I move {$80.00} into my account to pay these false fees. I can not move the {$80.00} into my Binance.us account because my account is locked. Binance.us appears to go along with this wrongful control because they want to keep the balance in my account elevated even though they are not a secure long term storage wallet. Binance.us should be regulated more like a bank and also they don't provide direct telephone support or even direct email support and never get around to taking care of this problem.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (WI)

The first correspondence I received was from the collection agency on XX/XX/2020 a letter saying second request indicating I owed an outstanding bill to XXXX XXXX XXXX  XXXX XXXX which billing and collections is completed by XXXX XXXX. I explained never used that ER physician group. They told me to call the billing place of XXXX XXXX. I did call XXXX XXXX told asked them about the bill they sent to collection the address they had on the account was not mine, it was an Oklahoma address. They said they would check and get back to us. They also said due to HIPPA they counsel not provide me much information. The only address XXXX XXXX had was not mine, it was an address in Oklahoma. The bill was for services at a hospital in Oklahoma and Ive never been to the State of Oklahoma. Meanwhile the collection agency sent this bill to the credit reporting bureaus.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (OH)

I had a voicemail from a recording saying it needed to be taken care of in a certain amount of time, so I called the number back. A woman who supposedly works for a law firm said I owed {$1800.00} for a line of credit from someone I've never heard of. Then she threatened to take me to court if I didn't pay. Asked about a payment plan, and she said I would have to pay {$55.00} a month for 22 months, and she needed the 1st payment now. Told her I'm unemployed and broke, she threatened to take 25 % of what I have in the bank monthly, and said if I sold any property or anything else I owned, she could take 25 % of it also. Said I had 24 hours to make 1st payment or she will have to get a judgement through court.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NJ)

CREDO - Mortgage Reporters Inquiry Date XX/XX/2020 Hello, This company placed an credit inquiry on my account that I did not authorize and I do not recognize. I tried to contact them several time but this company has been completely non responsive, I reached out to them by mail phone and email but I have not received any response. They are not giving me any information about this inquiry and I need assistance to remove it
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (AZ)

I have applied for a company called XXXX and was offered a job, contingent on the results of a background check. I then agreed to said background check and have been waiting for the results. I got them today and there is a lot of information on it that is incorrect, belongs to someone else, or is not even my name. I want the background check corrected, and I want the employer to know that there was an error from the party they have doing their checks. 

I am no angel, and some of the information on the report is in fact mine, however, I have passed checks before with this on my record for the same line of work. Charges from XXXX, XXXX, XXXX, XXXX, and any from XXXX  are mine and I do take responsibility. However that is not all that is listed. 

First off, I am NOT a XXXX XXXX This report has me as a XXXX XXXX out of XXXX. Second, I DO NOT know who XXXX XXXX is, nor do I think his background should be included with my report at all. Third, I am going to lose the opportunity to work for this company because of the errors that this service provider has so graciously given them a background report with false information- that is very sensitive to the role I applied for. I have never had to file a complaint for a background check before, but this company, Sterling, has done a BANG UP job of the work they are paid to do. Not only that, but the information that they verified my education with, came from me. They emailed me asking for verification of the education. Correct me if I am wrong, but that is the job that they are hired to do! Verify the background of the individuals that XXXX has asked them to, and I am pretty sure that verification is not simply asking the potential employee if this is accurate. I will include the background report and I would be happy to provide anything else that may be needed. 

Thank you for your time, XXXX
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I paid my credit card account in full On XX/XX/XXXX or XXXX way before the due date and Capital One still charged my a interest fee with a XXXX  balance account and I dont see where the reported my account to XXXX  and the representative could not give me a clear understanding on why.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

We are in Loss mitigation with our lender, XXXX XXXX XXXX. XXXX sent our file to Dovenmuehle mortgage to handle the loss mitigation. 

Dovenmuehle hired a real estate broker far from our suburban XXXX market to do an appraisal, or BPO... Broker 's Personal Opinion. It was a drive-by photograph and some equally far away sales comps that valued our 24 year-old house at {$960000.00}. They refused to do an interior inspection which we requested 3 times. They or some related agency blocked the same appraisal broker from doing the interior inspection after we specifically hired him, stating ( incredibly ) that he could not be objective. 

We then hired a XXXX veteran broker from our own town to do a full inspection, inside and out. His BPO was between {$740000.00} and {$780000.00}. Four recent sales comps that were mysteriously missing in the Dovenmuehle BPO, showed up on our local Brokers BPO, the average of which is {$730000.00}. 

Next, we sent 34 color photos of deficiencies identified by our Broker 's BPO. There has been no response from Dovenmuehle. 

There have been 448 recent customer complaints about Dovenmuehle Mortgage. We don't want to be their next victim, we just want a loan modification based on the true value of our home. 

It is clear to us that we are being mistreated and taken advantage by Dovenmuehle as the mortgage balance is very close to {$960000.00}. 

DOCUMENTS : We can provide all written communication and photos on this matter at your request
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In 2019, I started getting statements from for my AMAZON Chase credit card that showed many monthly charges with what looked to be membership accounts. They were refunding them but they never clarified what they were. I had files on my computer that appeared to be a business of some sort and a website in my name that could have been linked to this. I want to know what those charges were. In addition, I am separated from my husband going through a divorce. I asked for a new credit card number and now I have three ( the most recent being the one I asked not to be associated with ). The one I asked not to have ends in XXXX. The other two are XXXX and XXXX. Please see attached statements and their confusing letter. The customer service is very confusing. I returned a counterfeit print cartridge to XXXX XXXX ( as directed on XXXX 's site ). They put the money as a credit for XXXX  instead of returning the money to my credit card. Chase mailed me a letter stating they refused to put the money on my card but my statement shows they did refund me the {$61.00}. Who made the {$61.00} payment on my account?
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a large check into my account on XX/XX/2021. I was told that the money wouldn't be available until XX/XX/XXXX by the teller. I thought that a strangely long period to hold onto a check, but I just accepted it. Now, a sibling also made a similar deposit at another bank ( not Chase ) on the same date as I and the funds were made available two days later on Saturday, XX/XX/2021. So, if this smaller bank was able to verify and pay out a check within two days, what is Chase 's problem? 
On XX/XX/2021, I contacted Chase twice ; the first time at noon and the second at XXXX. The first time, customer service transferred me over to another department after telling me that maybe some of my funds could be made available to me. The woman in the department ( she did not give her name nor the department, which upon the subsequent call, I found out was the fraud department ), allegedly called the issuing bank and the lawyers office where the check was written but surprisingly could not get in touch with anyone at either office to verify this check. This took 35 minutes and no resolution. Unsatisfied, that's when I made the call at XXXX. XXXX, in the fraud department ( I had to ask his name and department. They don't offer this information upfront which I don't understand what the point of the secrecy is ) all but told me that I was being investigated for fraud. I never have and never will be involved in criminal behavior. This is MY money that I entrusted to Chase and this is how they treat customers. Is it because I'm otherwise a working class person ; not rich enough to be treated humanely? Is it XXXX? Now I'm offended and feel discriminated against. I also am now behind on debt that I would have been able to rectify if Chase did not have such ridiculous practices. I understand a large check being deposited needs to be verified but why does it take 7 to 10 business days to do that when another bank was able to do it in 2? I know that Chase has received the release of my money from the other bank and they are just holding onto it for no other reason but to be unprofessional and uncompromising. As of this complaint, one of the two accounts that I have with Chase is overdrawn. I expect Chase to do away with the overdraft fees since this situation is one that they've created. I've had money in my account since XX/XX/XXXX.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 01 XXXX ) account numberXXXX Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2023-03-27
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. (FL)

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  are all pulls from my credit report that i did not do.. 
also there is a XXXX XXXX XXXX that soley belongs to my mother that i have nothing to do with and there is her car loan through XXXX XXXX XXXX that has nothing to do with me i did not co sign with her i am not on any of her paper work i am not at all finacially responsable for either of those accts
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER COMPANY
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld added the debt to XXXX and XXXX in XX/XX/XXXX, I reached out to Transworld XXXX on XX/XX/XXXX @ XXXX spoke with Customer Service Rep XXXX  XXXX, requested the original bill and or final bill and proof that they have permission to collect on this debt. I told the Rep that this debt to XXXX was paid and the equipment was returned. I waited the allotted 30 days to receive this information, in which nothing has been received to date. I filed a dispute with both XXXX and XXXX of the debt to be removed, however both agencies responded with the debt has been verified and would remain on my report until XX/XX/XXXX, which is incorrect. The should be removed and no early termination fee should have been assessed for {$1900.00}. Please have this debt removed from my credit reports.