davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (CA)

Received a call on my cell phone stating that they will be at my house tomorrow to bring paperwork because I am being sued. I was like hold on what is this all about? The lady gave me a number to call and said she thought they contacted me. I called the number she gave me and was on hold a long time. The gentleman picked up and was eager to get my info. They named a debt that I was paying to another company and told me my payment declined and now they have taken over. I know for a fact my payment would have not declined because the debt was coming out on payday. I was like look I need to see something in writing because the balance is higher than what it should be he got rude and then I told him XXXX I need something in writing not giving my information out randomly. I asked for a manager. The manager insisted I had to pay {$180.00} a month XXXX bi weekly. I explained I ca n't afford that. I said the best I can do is XXXX and pay extra when I can. She said no call me back when you can agree to the terms and hung up on me. I called back and hour later and got someone extremely nice that explained the company sold and merged and the accounts set without payments. I set up a payment arrangement because of {$100.00} because I do n't want my credit hurt. But the XXXX XXXX people were harassing and lying which is so unprofessional.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in 2019, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with TransUnion for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to trans Union to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the DA in XXXX right now. And the XXXX XXXX DA. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX I cant give much details
Consumer complaint received 2016-10-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (MD)

For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of XX/XX/XXXX, Im still being charge XXXX  dollars for a XXXX  dollars charge over the limit. If you go back into my accounts which I had 3 different bank account because of fraud, I was paying as much as XXXX  dollars in over draft fees. I have total my over draft fees in 1 year I have paid Bank of America about XXXX  thousand dollars in just fees. The answer that they gave me was to OPEN A NEW ACCOUNT AND PAY OLD ACCOUNT OFF, but I have 3 different police reports of identity theft and I have a affidavit from the gov
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (VA)

I started receiving a non itemized credit card bill from synchrony bank for a Amazon credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Negative accounts are being reported on all three of my Credit Reports : XXXX, Equifax, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

COMMONWEALTH FINANCIAL added 2 accounts ( XXXX and XXXX ) to my report this morning and i am livid ... ..I never received a dunning letter from this company and this was added to my report without warning ... I know my stuff and know that this is a violation of my rights..I am supposed to receive a dunning letter which i never did ... I know why they added it quickly with no notice ... .A mortgage report was pulled on XX/XX/XXXX which i was prequalified and here we are on XX/XX/XXXX with these 2 accounts added illegally. I want these removed immediately as this was a violation of my rights. 

Not only is this a violation but they can not validate this debt as I have always had great medical insurance and am in the medical field and know how insurance works. At one point a collection agency by the name of XXXX XXXX  owned these accounts. I asked them to validate these accounts and they absolutely could not validate them and removed them from my credit reports ... How can COMMONWEALTH FINANCIAL validate them when all that they did was purchase these debts ... they got suckered into buying these as they can not verify nor validate these debts ... .I am in the middle of purchasing and these violations are killing my score and chances ... If these are not removed immediately i will be sending this to a consumer attorney to file suit as well as contacting the state attorney general in my state and whatever state COMMONWEALTH FINANCIAL is in
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

I have contacted Experian and XXXX regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the XXXX is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from XXXX that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnisher, XXXX, and other court related documents to reflect accurate reporting or in some cases complete block and deletion. The letter I drafted addresses what my requests are in detail for further review.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (IN)

After living in XXXX for XXXX years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. 

In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can imagine, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. 

I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Thank you.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

My mother recently pass away, social security and her retirement account mad their monthly deposit into her checking account with wells fargo, when we notify both of her passing they told they would remove the funds from her checking which was just deposited, when we arrived at wells fargo to close her account we notice that wells fargo charge he {$35.00} twice as a charge because both Social sec and the retirement remove the funds from her account, how is this possible and why would they want to keep charging a person who passed away, this bank is doing nothing but taking advantage of people who pass away because they ca n't act. this is wrong why should they charge anyone {$35.00} for Social sec removing funds
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CA)

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTSCOMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

This is my problem : I have not seen the movement on my credit score that I should see, here 's some facts : 1. On XXXX XXXX 2017 my credit score was XXXX I had one account that was 85 % added to limit another account with 94 % of its limit. I had 17 accounts never been late ; no bad credit whatsoever. 2. XXXX XXXX 2017 my credit score was XXXX I have 17 accounts no lates nothing negative I was at XXXX out of approximately {$8800.00} in my credit utilization. 3. Now XXXX XXXX 2017 my credit score is only XXXX and actually went down XXXX points, I have paid down the three accounts that I have and i opened a new account with a {$4000.00} credit limit i have 18 accounts. I now owe {$2400.00} out of a possible {$12000.00}. There is no way my credit score should be this slow and I am complaining and seeking your help they are intentionally keeping my score low.
Consumer complaint received 2015-12-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.
Consumer complaint received 2015-10-26
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

On XXXX XXXX, 2015 I initiated a bank transfer via Monoygram to someone in XXXX XXXX from XXXX. It was a direct transfer from my bank account at XXXX XXXX to my niece 's bank in XXXX. Moneygram reversed the name and unfortunately my niece 's bank rejected the transfer. I contacted Moneygram and they confirmed that the deposit never took place and promised to credit my XXXX XXXX account for {$100.00}. This happened more than 3 weeks ago and still no credit. I 've called three times and they promise me every time that my credit will appear the following day and as of yet, they have failed to issue a credit.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.