davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, Equifax, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' XXXX services provided on XX/XX/2018, as alleged and reported by XXXX and XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

XXXX. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX XXXX provided on XX/XX/2018 as alleged by XXXX and XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, Equifax, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

IV. 

The foregoing considered ; I respectfully request : 1. Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to Equifax, XXXX, and XXXX consumer agencies by Harris and Harris. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (AZ)

Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. 

I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. 

Thank you,
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (TX)

Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$5100.00} XXXX  XXXX  XXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Mortgage was transferred from IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE to XXXX XXXX XXXX I receive notification of transfer on XX/XX/XXXX that the transfer would happen on XX/XX/XXXX. I tried to cancel the auto payment to IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE and I also called to try and stop the payment. They stated that the auto payment was already started. 

OnXX/XX/XXXX, Cash Cash took the mortgage payment of {$910.00}. I called XXXX XXXX  to Notify them that Cash Call had taken my payment, XXXX XXXX told me that they were going to take a payment also. I told them that I didn't have enough money in my account for two mortgage payments. But on XX/XX/XXXX XXXX XXXX took another payment leaving me with an almost {$0.00} balance after outstanding payments.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

I am convinced that Google Pay  is nothing more than a massive racketeering operation posing as a " free service '' to transfer money. I tried using the service to receive {$700.00} owed by a client. He paid me via Google Pay on Wednesday XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX and I still do not see the money in my bank account/VISA debit card. My client and I have contacted Google Pay numerous times and we were repeatedly told that the money would be in my account " within 24 hours ''. That promise has now been broken several times. The transaction in question is Google Pay transaction number XXXX. In the 21st century it is inexcusable for any digital transfer of money to take more than 24-48 hours.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc (CO)

on XX/XX/2019 I received an email from XXXX XXXX a representative of national commercial services. The email stated that I needed to contact them within 10 days regarding an old debt. that if I did not contact them to make the payment arrangments, they would pursue legal action against me and obtain a judgment including going after my personal assets. This is a time-barred debt, past the statute of limitations for any legal action.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have asked for debt validation on a collection that appeared on my report in XX/XX/XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( Equifax and XXXX ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.
Consumer complaint received 2017-06-07
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. (PA)

Experian sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. Experian representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately.  (    XXXX   XXXX   and   XXXX   XXXX   XXXX    ) If experian just monitored the information reported, they would clearly see that the dates   reported have changed. This is  Fraud.
Consumer complaint received 2021-03-03
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. (CA)

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NV)

I transfered {$170.00} thru Western Union App international money transfer last XXXX XXXX 2021. It was promised to receive the amount to receiver 's bank account on XXXX 2021. It is XX/XX/XXXX already and the money was still not delivered. I keep tracking but its still not delivered to the said date it was supposed to be received. I call the consumer financial hotline but it keeps me waiting on the line. I am worried of what happened to the transaction.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I have had 2 accounts on my credit with Doctor Business Bureau.  Called again XX/XX/XXXX to request detailed info, they would not release the info nor send me info in regards to these accounts as they state on their end shows in dispute, would not advise when it was opened. I advised per my credit report I don't see an open dispute. They went on to give me the name on the account which happens to be my maiden name which I do not go by for years now. I have not had services where they indicate these charges are. These charges are from XX/XX/XXXX. They stated I need to mail them my ID, ID Affidavit notarized and a police report for them to release from dispute and send me the info they have for me to confirm and review if mine. These 2 collection accounts are not mine and they are giving me hoops to jump thru in order for me to review what is on my credit and putting on my credit which does not match my name. One account shows UNPAID in the amount of {$130.00} and another UNPAID in the amount of {$180.00} Was given account number XXXX.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Best Service Co.,Inc (CA)

My name is XXXX XXXX, I came into settlement of the debt to {$9400.00} which I was making every month until their system locked me out without allowing to rreset the account. I called the debt collector to asked what happened and I was told that the lawyer handling my account died and they will get back to me. I never receive any phone call or mail neither email. They went as far as reporting to my employer to garnish my wages, The law offices of XXXX XXXX representing THE BEST SERVICES NEVER CONSULTED ME. The court case is XXXX. XXXX SUPERIOR COURT XXXX XXXX DISTRICT gave a judgement against me without any further or previous consultation with the law firm. They could have contacted me to assign a new person to me to handle the collection of debt.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

last year I received a renewal offer on an American Express card which I have had for many years. There was a large fee for renewing and I decided that the card was no longer needed so I called the phone number listed and spoke to a rep. who tried to change my mind. As a result she thanked me for my many years of usage, advised me that there was no payments due, to cut up card & terminated the call. Shortly after I started receiving calls & emails & letters for the renewal fee. I informed them that I did not wish to renew & was told that I did not have that option. I have since been returning all correspondence unopened & responded to their emails as harassment, yet they continue. I have told them that renewal is at my option.
Consumer complaint received 2020-07-21
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. (WY)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MN)

I had XXXX trying to collect a phone service plan from me that I never opened. I told them I never signed a contract had never been in their store that this debt isnt mine. They turned it over to collections - I told them the same thing. They have now reported it on my credit report.
Consumer complaint received 2017-06-07
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. (GA)

On  X/X/2017   , TransUnion received my certified request dated  XX/XX/2017.  The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15  U.S.C . 1681g, I request ed disclosure of documents recorded and retained in their file  ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified requests were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising TransUnion of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION (NY)

I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.
Consumer complaint received 2021-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are BANK OF AMERICA this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wachovia Bank Wells Forge Bank / XXXX XXXX To Whom It May Concern : I am being told that on XX/XX/XXXX, I closed on a loan with Wells Forge Bank, this loan paid-offed an existing loan with Wachovia. I am requesting all details of that Wachovia loan, such as, 1. When was it originated?

2. What was the total loan amount?

3. Was it a secured or unsecured loan?

I am being told that the loan that closed on XX/XX/XXXX, was paid on time until XXXX, I am requesting details such as, 1. What month in XXXX was the last payment made? 
2. What was the balance at that time in XXXX? 

Because I do not recall applying for a loan in the amount of {$36000.00}, in XX/XX/XXXX, I would like all details about this loan, such as, 1. All loan origination documents signed by me / not the homeowner. 
2. All loan origination documents signed by the homeowner.

3. A full accounting of all Trustee payments remitted to Wells Forgo and XXXX XXXX totaling {$22000.00}. 
4. What does Other Fees represent in the amount of {$5800.00} to be paid to XXXX? 
5. What is a Corporate Advance in the amount of {$4700.00} to be paid to XXXX? 

In closing I would like to say, as confused as I am about how this loan was originated it became even more confusing after I watched The CEO of Wells Forge Bank sitting in a Congressional hearing and admitting that Wells Forge employees due to pressure to open accounts had without customers knowledge created documents and opened accounts. I truly believe I am a victims of those activities. 

Thank You,
Consumer complaint received 2020-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

Issue with chase banking/credit card service Hi, I have been using different type of credit cards along with chase credit card.. I have made a balance transfer on the credit card worth of XXXX $ at 0 % promotional APR one year back and I have been signed up for paperless statement and alerts to my email.. After an year, when I have opened my statement online, I have seen interest charge of {$140.00} ( on XXXX XXXX 2017 ) of balance transfer interest, without notifying me of my promotional APR of 0 % ends.. where as other banks use to alert me when their promotional APR ends.. seems chase has no such facility.. They do n't even mention anywhere saying that they do n't have such system FYI ... I have been using chase credit card since last 5 years never missed any payments and done on time When I spoke to customer care regarding this they do n't have proper answer to me and in the next month middle I have paid my balance in full as soon as I realized the ending of promotional APR They still charged me {$95.00} for the previous days in the month