davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (GA)

You've paid off -33 % of your collection amount. 
Balance {$4500.00} Highest Balance {$3400.00} Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You've paid off 0 % of your collection amount. 
Balance {$2900.00} Highest Balance {$2900.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Account status Open Type -- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX   AKA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You've paid off 0 % of your collection amount. 
Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of a signed lease etc, ( being that I know there is not one ). I am aware that as of XX/XX/XXXX all civil judgements should have been removed from credit reports in which these three have not. I am requesting these three be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX, and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to leave he creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgments. Eviction judgements such as forcible detainer and unlawful detainer judgements, are civil judgements, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Benuck & Rainey, Inc. (IL)

My problem is I received a collect on my XXXX XXXX report I called the collection agency to see what is was it was for a charge from a company by the name of XXXX  XXXX  i have no clue what the debt was for they had my name but the address was wrong. Since it was only for {$160.00} I told the rep I would just pay it because I'm trying to buy a home in XXXX. I explained to the rep that i wanted to do a pay for deletion the rep assured me that they would take care of it from there once I paid the debt. If I knew they were not going to honor the pay for deletion I never would have paid it but the rep assured me it would be handled as a pay for deletion and they always contact the bureaus once the debt is settled. Well they lied to me and now when I call the company to discuss the deletion of the account they give me the run around. The company has a million complaints very similar to mine with the XXXX XXXX XXXX. I still have not received my letter showing that I paid the debt or have I received a receipt of payment.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX  for at least 3 years now in regards to an unfamiliar account with XXXX and XXXX. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ).  However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
Consumer complaint received 2020-04-30
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. (IN)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXXXXXX {$130.00}
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

i was added to my husband XXXX XXXX XXXX 's account at XXXX department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at XXXX in which it does not show up yet. But i want my husbands account balance off my credit report - please.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

My debt is paid in full with Midland Funding LLC, XXXX XXXX, XXXX, MI XXXX, as of XX/XX/2020. Their phone number is XXXX XXXX XXXX XXXX. Midland Funding continues to report a zero balance on my credit report. While the balance is XXXX, it shows as a current collection, which it is not. I ask that they remove the XXXX balance remark on my credit report. 

Secondly, since the account is paid in full, Midland Funding has not update the Michigan Department of Treasury. Therefore, my state of Michigan tax refund of {$400.00} was sent to them. I am requesting that Midland Funding return my state of Michigan income tax refund immediately. 

Thank you.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (LA)

I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-10-05
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. (DC)

I have reported multiple times to all Credit Reporting Companies XXXX XXXX, Experian, and XXXX ) that XXXX XXXX XXXX XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

XXXX XXXX 's home mortgage payments ffrom Wells Fargo have misallocated more than twice. 
. this last time, 2 months were misallocated and foreclosure letters dated XX/XX/2021 and received slightly later. 
sent to XXXX and XXXX XXXX ( cosigners ). along with XXXX. 

Even though XXXX says they are correcting the matter, we want to make sure our credit rating will not be tagged and lowered. 

Also we want these errors to be documented because others may be affected in their accounts in a similar way. 

attached are several of the documents. 
Please let us know if you need more information XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
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. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 



XXXX  XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NJ)

My credit card was reported 30-59 days late in XX/XX/2017. When I discover this, I immediately payed off the late payment to getit back on track. I have never missed a payment on this card and I opened this card specifically to build my credit now, its hurting my credit. The weird thing about this is the reason why I never missed a payment is because I have auto-pay. I have auto-pay on all my cards so I don't miss a payment. I do not log on to make payments, I have over multiple credit cards with all different due dates, it would be impossible to manage any other way. I am not sure how this happened but this card was originally a secure card and was turn into a traditional card in the summer, I am not sure if this had anything to do with it, and I had to re-activate auto-pay but was not told about it. 

Regardless, I called the credit card hotline after I payed the late payment to resolve the issue and I went in circles with the customer service rep and this was never resolved.
Consumer complaint received 2020-04-30
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. (CA)

I have an auto loan with XXXX XXXX XXXX XXXX that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX XXXX like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was XXXX XXXX XXXX XXXX. I went to their XXXX, CA office and with their manager called in to XXXX home office and the XXXX agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, XXXX did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of XXXX that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish XXXX for being sloppy in responding and not keeping their word.
Consumer complaint received 2018-02-20
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. (FL)

Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (DC)

Per XX/XX/XXXX, I received a notice from XXXX/Department of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with XXXX in late XXXX, for example, MOHELA returned information saying that it was accurate. 

Further, my account with XXXX is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Consumer complaint received 2020-04-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (PA)

I have tried to contact Midwest recovery Systems, on several occasions one on XX/XX/XXXX and then again on XX/XX/XXXX and both times I requested to talk to a supervisor and both times I was transferred to a voice mail and I have left a message both times with no return call, the alleged debt is for {$260.00} and Midwest received it on XX/XX/XXXX and on XX/XX/XXXX was reported to my credit report, I was never notified regarding this alleged debt from 2015 is when Midwest is saying it was originally from. I have requested verification on the debt but Midwest never verified my address in order to send the verification of the debt too
Consumer complaint received 2018-02-23
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: Choice Recovery, Inc. (OH)

In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.