davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a statement from Midland dated XX/XX/2019 stating that they were trying to collect a debt. I immediately sent a corresponding letter request to validate this debt. Midland sent the same statement back as validation in XXXX and in XXXX of 2019. I sent second correspondence back advising that this was not a valid validation providing that there was no biding contract agreement with my signature proven that this debt was mines. I called midland in XXXX and XXXX and spoke with a representative name XXXX XXXX then stated on a recorded line that they couldn't provide anything but a statement because was all they had. He then tried to threaten me about going to court. I advised him that this would be fine because I would still ask for a letter of production to produce that this was my debt. He hung up on me. I am asking that this debt be removed from my credit report due to lack of evidence proven that this debt is mines and valid. Thank you
Consumer complaint received 2017-12-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is against American Express ( hereinafter AE ) regarding their repeated attempts to collect an amount that is inaccurate, and based on a breech of agreement on their part, whereby, the AE that dates back to XXXX 2014. The account agreement interest rate on the account should be 18.24 %, and is now being billed at over 29 % in violation of their own agreement. 

The account in question is being overcharged, and and shoped around to various credit reporting agencies in an effort to mar my credit and reputation, and causing me to be unable to obtain other credit. 

In addition, the AE account in question and appearing on my personal credit report as a negative item is a business account for XXXX XXXX XXXX, XXXX and should not be on my personal credit report. 

I first tried to resolve this matter with AE, and later disputed the negative item on my personal credit report with all three major credit reporting agencies, XXXX, XXXX and XXXX all to no avail, and with no response that my disputes with their perspective firms were investigated. To date, I none of the aforementioned have provided sustaining documents to validate the information all have placed on my personal account as negative.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MA)

I've followed the instructions on Equifax’s TrustedID Premier website and cannot access the site. I've used XXXX and XXXX browsers but the TrustedID Premier website is experiencing continuous outages and the customer service phone number has a long wait times and busy signals.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

They have not helped in any matter. Agreed to add me on to several deference and forbearance without letting me know how much I would have to pay later and how much interest would be accrued. They are not helpful in guiding us to the right repayment plan and truly laying out how much I would be repaying. In fact, when I did some digging, I checked the site and for an income-based driven program, I would pay {$0.00} for the first 12 months, {$210.00} for the next 12 months and {$2500.00} for the next 10 years. Not for nothing, but that makes no sense. There is probably a reason why the individuals can not share ALL the information and hide this information because then no one would ever be able to pay it back. {$2500.00}??? really? 

I have gotten rude individuals. I have not gotten any step by step guidance just a referral to the website, which is not very user-friendly. 

I have a family to support including XXXX small kids and realistically speaking even if I dont have to pay initially, the plan the website paid out for me is unrealistic to pay. 

In addition, because of interest rates, according to the website, out of the $ XXXX of the original loan, by the time I pay it off, I would have paid {$490000.00}. Almost {$320000.00} more than the original loan, which goes to these criminals. I refuse to pay and they need to educate us more and give us better ways to pay down the loan and more options to pay the loans.
Consumer complaint received 2017-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Army and Air Force Exchange Service (FL)

XXXX XXXX XXXX XXXX started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MB FINANCIAL, INC. (IL)

This is regarding MB Financial and difficulties with their wire transfer service. I have relocated to XXXX, OH and closing on a home X/XX/17. I was told that the only way to wire transfer is to do this in person, which required me to fly from XXXX to XXXX for a wire transfer. This would not put me back into XXXX until after the closing time. Bank agreed to transfer funds from my account to my son 's account who lives in XXXX. They promised that the funds would be immediately available. My son went into the XXXX branch morning of X/XX/17 who received confirmation of the wire transfer from his account to the title company. This occurred prior to XXXX am on X/XX/17. As of XXXX pm, the money was not received by the title company. I called MB and they could not find record of the request. They then advised that their wire transfer system was down. Then they said they could not find these funds ( {$150000.00} )!! We finally got the XXXX branch on the phone who said he withheld the wire transfer until he could reach me ( I never received a call and the numbers that he called were not the number my son provided to him ). He then said he would execute the wire transfer immediately and call me back within 10 minutes. 15 minutes later and no wire transfer ... says he needs management approval and management is not available. I have made countless calls to elevate and get this resolved with runaround constantly and it is still unresolved. I will now not get my house.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Bonneville Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.
Consumer complaint received 2017-09-29
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. (TN)

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : Experian, XXXX and XXXX.
Consumer complaint received 2017-09-29
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: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TN)

I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and with the company and also with ftc and sent in police report. I never got a response.
Consumer complaint received 2017-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I have contacted Prestige on 2 different occasions ( once on XX/XX/XXXX another on XX/XX/XXXX ) requesting validation of the alleged debt per FCRA. This is not my debt. I 've gotten no reply to either letter sent. Prestige is reporting invalidated information to major credit bureaus and causing defamation of character and creating a hardship for me, while also refusing to respond to correspondance. On these grounds alone, I demand that this be deleted from the credit file immediately. I have given ample opportunity to allow Prestige time to validate this alleged account. Attached is letters sent to Prestige financial.
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (OH)

I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I have reached out to the company XXXX multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.
Consumer complaint received 2021-09-01
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. (TX)

I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the Experian and XXXX, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a dead beat mother and refused a home.
Consumer complaint received 2021-02-03
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. (MA)

XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided XXXX email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Consumer complaint received 2018-03-23
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. (NJ)

I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!
Consumer complaint received 2017-09-29
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: Focus Holding Company (GA)

I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax continues to report information that they know is in violation of the FCRA ( re-ageing of the account ). 
They have only used EOscar to " verify '' the information and have not provided any legal documentation showing that the following have the standing to show an open account and that they can report the dates shown. The listed companies are well known for this type of action ( refer to FTC ) Upon Review of my Credit report the you will find that the Original Creditor information if very different then what is being reported. This will support my claim of illegal and damaging reporting on my credit report. 
Collection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXCollection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXXStatus : OpenOpened Date : XX/XX/XXXX
Consumer complaint received 2022-09-08
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. (FL)

I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, XXXX and Equifax, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XXXX XXXX was made on time to XXXX XXXX before they would delete the late notice for XXXX XXXX. I have provided XXXX  email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Consumer complaint received 2017-09-29
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)

I had 3 auto loans with the same company. All loans were paid and closed in 2013. The date of last action on my credit report should be between X/2013 and XX/2013 however i just got notice from Experian that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NC)

I sell things on Ebay on consignment. The only payment method available is Paypal. I have a new account, and Paypal holds my ebay funds per their policy. On XXXX at XXXX XXXX I noticed that the withheld funds on the transaction page was significantly short of the actual hold amount displayed on the home page. I counted XXXX that was different from what they said was on hold on a per-item basis. They have over XXXX on hold from Ebay, and my money is not being released per their own policy. I have called and tried to get this corrected, but after a 45 minute call, I got hung-up on. They are collecting interest on money that was supposed to be released to me. I need that money to pay my consignment customers. After a long phone call, followed by another, I believe their system is messed up, and is causing me problems with my business. There is a whole bunch of money that I ca n't get access to. I have downloaded a report of all the transactions to date for the entire time this account has been active for Ebay. I think they have made a mistake with my money and now I am the one who is loosing money and customers for their mistake. I ca n't get them to help since after they figure out this is their fault, they hang up the phone.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX