davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

I sent a wire transfer from my bank to Freedom Mortgage on XXXX. I used the information provided to me from Freedom Mortgage. I completed the transaction at the bank and paid for the service. After monitoring the account at the bank for withdrawal of the funds for the transfer, I contacted Freedom to find out why they had not received the payoff. I provided all of the information from the bank wire document, the name of the banker and his phone number. In the interim my account with Freedom Mortgage was noted as delinquent. I was told by Customer Service that my account would be researched and that my account would be notated so that my exemplary credit score would not be negatively impacted. I was not contacted again by Freedom Mortgage. I called again one week later to try to get a status of the investigation and again had a lengthy conversation of over an hour with two different Customer Service people who informed me that nothing had been done to investigate the wire transfer. I again asked that my account be notated to prevent negative impact on my credit and was assured that it was going to be taken care of. I also, before making the second call, logged in to my account with Freedom Mortgage and found that the delinquency was still on my account and at that time sent a message through the online service that the wire had been sent, but not received and that I was trying to rectify what the issue was. I did not receive any response from the Customer Service agents. I did get an email that my message had been received at my account login and that I would get information from Freedom Mortgage regarding my inquiry. On speaking with my bank, they informed me that the intermediary bank on attempting to remit funds to Freedom Mortgage was unable to do so because the account could not be found. All of the information on the wire transfer was exactly what had been provided to me by Freedom Mortgage. When I called to try to get a status of the investigation from Freedom Mortgage I was told that they would not contact the bank and that the amount had increased due to the elapse of time from when they provided me the payoff amount. They also informed me that they could not promise that my credit score would not be adversely affected. I am currently in the process of getting a new payoff statement from Freedom Mortgage. I will send a Certified Check and not attempt to wire the funds.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (OH)

I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
Consumer complaint received 2022-08-17
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: CBC Companies, Inc. (MN)

The following accounts listed on my Innovis Consumer Report is fraudulent and not my accounts : XXXX XXXX Bank  : XXXX, XXXX XXXX Bank XXXX : XXXX and XXXX XXXX XXXX : XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX Bank, XXXX XXXX Bank XXXX or XXXX XXXX Banks.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. Experian is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

The debt that was sold from XXXX XXXX Card Services, financed by XXXX, to Midland Credit Management Inc was {$6300.00}. Midland Credit Management Inc is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, Midland Credit Management refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This is the second time I report the same problem as I had no answer from the bank. 
I like to transfer US dollars from my account in Bank of America in XXXX  to my account ( in US dollars ) in XXXX Bank XXXX XXXXXXXX. I like to do the transfer in US dollars, The bank don't allowed me to do it, only in Euros and the rate of change they offer me is much higher that the one I get here in XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (DC)

I went to my doctor 's office ( XXXX XXXX XXXX XXXX ) in XX/XX/2017. I received a bill from them in XX/XX/XXXX for my {$30.00} copay and paid the amount. 

They referred the account to collections at RMP, LLC ( Receivables Management Partners ) where they agree the debt has ben paid but that I owe a {$7.00} " collection fee '' They stated they mailed me a statement showing that the XXXX is owed but I did not receive this. 

I attempted to make another appointment with XXXX XXXX XXXX XXXX and they advised they would not see me until I paid the amount outstanding. I called RMP and spoke to a XXXX XXXX, advising I wanted a bill mailed to me showing the amount that was due and for what reason. He refused to send me a bill, stated I owed they money and needed to pay it.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

This account was paid with the agreement that it would be deleted from my credit. This account is with XXXX XXXX that was transferred to Midland credit to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for XXXX XXXXXXXX XXXX Please remove as agreed on.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

1 ) I called XXXX credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with Trans Union in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud! 

2 ) My second complaint is regarding Trans Union Credit reporting agency.  I contacted Trans Union in regard to My XXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that Trans Union erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to Trans Union. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and Trans Union with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX   XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (FL)

You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ].

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries AND an account on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX
Consumer complaint received 2021-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

An account was opened with capital one on XX/XX/21. I received a letter in the mail stating that the kohl 's capital one card was opened. I have never opened a kohl 's or capital one card. I called capital one and they said that the card has not been used yet. I am worried that whoever opened this account has opened other cards and has committed fraud and identity theft.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (LA)

Someone opened an account at Chime.com, a mobile/online wallet- and payday advance service, using my name, email address, and probably other personal information. I found out about it through an email sent to my email address through Chime when the registration took place, I guess. The person registered for some kind of spotted ( loaned? ) amount of money, a direct-deposit account and a pre-paid debit card, all presumably in my name. I know because Chime sent me emails each time these services were started. I reached out to Chime to let them know I didnt open or have an account and didnt request their services. They sent automated emails to let me know they received my messages, and a couple messages from customer service/support to tell me they were investigating. They responded the next morning to let me know they closed the account at no penalty or financial harm to me, which is great. But how did this person fraudulently open an online bank account in the first place?
Consumer complaint received 2021-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I am totally and XXXX  XXXX and receive XXXX as a result. The Secretary of Education announced in XXXX that every student loan holder in my situation would be notified in XXXX that their loans would be forgiven and discharged soon after. It is now late XXXX and I have received no notification from either the Dept. of Education nor more loan servicer Mohela of anything other than that my payments will need to be resumed in XXXX.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I was a XXXX customer for over 12 years. One day I got the family plan with four phones. They told me that I qualified for a free tablet. I told them I didn't need it, wanted it or the extra cost. They told me it was free and wouldn't cost me anything. I asked is it 100 % free and they said yes. So I agreed to take it. I was told the bill would be about {$200.00} a month and I would also receive a {$600.00} rebate. It was not a mail-in rebate it was an in store rebate and there was nothing for me to do. 

The first bill was higher than expected but they told me that would happen so I wasn't worried, cause this happens every time I got a new phone with XXXX. On the second month the bill was still over {$900.00} I called them up and told them about the rebate that they never applied. after a few months of this happening I noticed that my bill was closer to {$270.00} a month. 

When I asked why it was so high they told me it was because I had five lines and I was paying for equipment cost. I told them I only had four lines and that I didn't have an equipment cost cause I got the free phones.They said I had a tablet and that was the fifth line and the equipment cost. I asked about it being free and they said that it didn't cost me anything the day I got it. I explained to them the meaning of " free '' but they had a different definition.then I did. I told them that I wanted to return the tablet and remove the phone line. I was told that they could not do that because I had the tablet for so long. I would have to call up XXXX to get it removed. 

When I called XXXX they told me I would have to pay a cancellation fee and pay off the tablet. I was not allowed to return it. The service at this point was so bad that I decided to cancel the entire contract. They originally told me I owed them {$900.00}. I asked about the rebate and they said I wouldn't get it cause I was canceling my account. I told them I wouldn't cancel if they got my bill right and give me what was promised. 

A few months later I got letter from a Debit collector claiming I owed {$1800.00}. I explained the entire story to them and they said they would close the account for {$1200.00}. One day I was looking at my credit report and noticed I had a collection notice for {$1800.00} I filed a dispute and for the past three years I have not heard from them or had a remark on my credit report. A few months ago I got a call from a debit collector telling me I owed the money. I now have a negative remark. After three years of not hearing from them they are now trying to collect on a debt that was taken care of? Can you please help me with this matter?
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (GA)

WE ARE REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE FOLLOWING PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PLEASE NOTE THE ATTORNEY XXXX XXXX XXXX XXXX XXXX TO SIGN, DUE TO HIS INVESTIGATION.INDICTMENT ISSUE HIS ASSISTANT XXXX  XXXX SIGNED
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (WI)

I am disputing the charge that was placed on my credit report by XXXX and Diversified Adjustment for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, Diversified Adjustment, and the three credit bureaus ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, XXXX did not remove the charge from its credit report.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

please see attachments for my identity theft report and i would like my personal information updated to the following because reasons of inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX