davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Several items I have only seen a few because I was denied online view. Credit cards I have never had and other debts that make no sense biking amounts. I 've car loan not mine my car was given to me by my mother it was 1993 since last cart loan. I had lost many ss card birth certificate and dl card after my motor home was towed and sold while I relocated to another state. Please he 'll this is scaring me. This is the only information I hand from the XXXX credit company s
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group (TX)

Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.
Consumer complaint received 2024-01-26
Product: Credit reporting 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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

I opened a savings account, acct # XXXX, on XX/XX/2020 with the promise of a {$200.00} bonus for opening the account and funding it with {$25000.00}. I did this and then Discover Bank returned the deposits to my other banks. They deposited the {$200.00} bonus in my account on XX/XX/2020, but then I got an email to call the bank on XX/XX/2020. They closed my account and stole the {$200.00} bonus from me even though I completed their requirements. 
I would like your help in getting my {$200.00} bonus that I earned and they stole from me. 
Thank you kindly, XXXX XXXX
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (MA)

I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with Wells Fargo ...
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

the lender was sent our QWR on XXXX/XXXX/16 which has never been responded to by the lender - the lender is in violation of the clients right to counsel and our right as counsel to obtain the needed info to properly assist this client in obtaining assistance with the lender
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: St John Rossin & Burr, PLLC (SC)

I am trying to resolve my past due HOA fees as part of the loan modification process with XXXX. When I contacted my HOA I was informed that my account has been placed with a debt collector attorneys firm. When I contacted the attorneys office they stated I needed to pay them either {$200.00} or {$300.00} just for them to tell me how much I owe them. The more I paid them the faster they would provide the information. I find it difficult to believe that this bullying tactic is even legal. It is certainly NOT ethical.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX Account # XXXX
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

This is a collection agency that is trying to collect {$11.00} from me that I believe I do not owe. After multiple attempts to request debt validation from this agency, it has failed to provide such information. It sent me an itemized list of charges ; however, no where on that list does it show that I owe anyone any amount. It also has failed to provide its license to collection in my state ( CA ). Additionally, this collection agency has referred my letter to its legal department. 

Since the very beginning of my conversation with this collection agency, I have stated that I am not refusing to pay ; however, I would like it to provide me sufficient proof showing that I have any obligation to pay any amount. So far, in my opinion, it has failed to do so. However, in order to keep my good credit score, I have already paid the amount in dispute as of XXXX/XXXX/15.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three. 

They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus. 

I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect. 

The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX. 

The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AAS Debt Recovery, Inc. (FL)

They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

On XXXX XXXX, 2014 I terminated service with XXXX XXXX in XXXX and moved to XXXX. I returned all the equipment that I had to XXXX. XXXX claims that I did not return XXXX cable cards that they said I had in my possession. In spite of several phone discussions with their representatives where they agreed that the issue was resolved. They continue to attempt collection. They have now reported me to the credit bureaus for non-payment. I have attached XXXX letters I have written which describes the issue in more detail.
Consumer complaint received 2017-05-22
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. (NC)

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX   XXXX  nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Arbor Residential Mortgage LLC (VA)

Seneca Mortgage Servicing was servicing my loan through XXXX 2016. My designated insurance company, XXXX, sent an invoice to Seneca in early XXXX to renew my policy by the end of XXXX 2016. Seneca refused to pay XXXX and the policy was subsequently cancelled for non-payment. Seneca force placed an insurance policy without sending me the policy or any information about the company. Per Seneca 's web site, they have their own insurance company and might have force placed my insurance for their financial benefit. Per the XXXX for 2016, they paid twice what I was paying to XXXX - {$1100.00} which must include a walls-out policy which I am not required to have for a condo. I have been calling Seneca on and off for months without success.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX for {$4900.00}. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had decided to end my business relationship with XXXX XXXX, DE. I had a XXXX with this financial institution, and decided to transfer the current balance over to a different card. Thus, I had no reason to monitor my account. I had not realized that a vendor that I had done business with in the past ( XXXX ) had been posting unauthorized charges to my XXXX XXXX, until I had begun receiving emails from XXXX regarding my account being past due. By that time, I had already been 60 days late in paying my credit bill. I quickly contacted the vendor, and explained the situation, and XXXX had credited me back for the amounts they had charged to my card. I then went to XXXX, and they reversed all late fees. The problem I am facing is that both XXXX and TransUnion are refusing to remove the 30 & 60-day late entries on my credit bureau reports ( which are the only adverse information on my report ). This is where I need help -- in getting these negative items removed from my report to retro-chronologically reflect what my report should have had, had there not been any unauthorized charges to begin with.
Consumer complaint received 2024-01-26
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. (FL)

I have already submitted a complaint on XX/XX/2024 with you guys and attached police report, identity theft report, and identification to request items be removed or deleted or proof of validity from previous dispute requests be provided. Either deleted in 4 days or proof be provided within 15 as law states. Some items were removed but not others and they were all identity theft. Companies responded still working on it but thats unacceptable because investigation was already done prior so where are the results validating these accounts and if not why are they still reporting
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (KY)

I have tried and tried to get this debt taken care of. This collection account is for a workers comp claim. I have contacted GLA collections and Underwriters both and they will not help me. I want this collection REMOVED from my credit report. Underwriters said they would pay the account and GLA collections REFUSES TO SEND INFO TO UNDERWRITERS!! I am stuck in the middle with this collection on my credit report and it wo n't be removed!
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

RPM had sent me a letter to dispute my dish network account dated XXXX/XXXX/16, after submitting my dispute letter to RPM regarding my XXXX account on XXXX/XXXX/16 which I admit I had sent to the incorrect address, the reason for that was due to the fact that RPM does not clearly indicate where exactly to send the dispute letter, ( copy attached ), I have also provided a copy of the dispute letter that I had sent to RPM on XXXX/XXXX/16. After reviewing my credit report ( copy attached ) clearing showing that RPM had reported a collection on XXXX, which was not 30 days after I received the notice to dispute the validity of the debit, I received the dispute letter on XXXX/XXXX/2016, and sent the dispute letter on XXXX/XXXX/16. RPM had reported my XXXX account as unpaid before the required 30 day time frame for me to dispute the dept. Thank you for your time.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was XXXX from XXXX to XX/XX/2020 .my purse, with wallet, cards, and cell phone were locked up inside.i live alone with my son.His father and fiance were given access to apt.to solely to retrieve my sons clothing. when I got out of XXXX  my house was broken Into and several items including my purse were stolen I already sent paper work to child support card company and was denied .I did not and could not have done any kind of transaction during the dates I was XXXX XXXX.and no one has permission to use my card .I filed a police report which I sent to them along with my letter of XXXX.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

This agency is stating I owe money which is past due. I full filled my lease, gave proper notice, and turned in the keys and was informed everything is great. Now I owe. This is not right and I need help.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKCoin USA Inc. ()

I sent XXXX cyrptocoin ( {$940.00} ) to Okcoin exchange company on XXXX, the money did not go to my account and when I spoke to the support team they said that it was not credited to my account because I did not enter the memo code, then I sent the documents they requested and they did not deposit my money into my account with similar answers as we are working on it, even though I have asked many times. However, as they also accept, the money is transferred to the main account of Okcoin company, not to someone else.
Consumer complaint received 2017-03-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ID)

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were two companies that hit my credit XXXX 10 days apart. XXXX and Wells Fargo XXXX hit my credit on XXXX XXXX and again on XXXX XXXX. How do I get the second hit removed on each one?