davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

On  XXXX , I submitted a complaint to the CFPB ( complaint #  XXXX  ) regarding a debt that I paid in full with  Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on  XXXX . I have reattached my original CFPB complaint and bank statement.     To date , Midland is  still falsely reporting on all  XXXX  credit bureaus, which has negatively impacted my credit scores. With  XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With  XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for  XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL.     Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt  collectors  and  XXXX   XXXX  of  XXXX   XXXX   XXXX  that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus.     I used to work as a debt collector with  XXXX   XXXX  an d Midland 's parent company Encore Capital Group  and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around   XXXX  . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying.     What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I applied for a XXXX  credit card thru XXXX XXXX XXXX XXXX which I was approved for. I was told by XXXX they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. TransUnion credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between XXXX & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX  sent me an email asking me if this new account was mine, but my TransUnion account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created Case Number : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with TransUnion, but you can't file a dispute about something that's not on your report with TransUnion. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had one supervisor named XXXX XXXX tell me to file a dispute with TransUnion and get the information from XXXX XXXX XXXX XXXX to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the TransUnion Contact Center Service Team was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. XXXX sent me an alert to see what changed in my report the same day thru their XXXX : XXXX XXXX XXXX. TransUnion sent me a survey XX/XX/XXXX. I emailed TransUnion the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call TransUnion in XXXX, PA, been transferred there from their overseas call center. Still nothing. XXXX has assured me the information has been provided to TransUnion. TransUnion has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc (GA)

XXXX XXXX XXXX sold ( 4 ) accounts and the debt associated with these credit cards to the Northland Group, aka XXXX XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified XXXX as such. I also provided XXXX proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. Northland Group is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which XXXX relied to make their original claim, but to date they have not responded. I hold XXXX and Northland Group liable as they are both in violation of FCRA.
Consumer complaint received 2022-07-05
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: Bread Financial Holdings, Inc. (MA)

I had an XXXX  XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AL)

CONVERGENT OUTSOURCING INC . I RECEIVED LETTER FROM THEM IN XX/XX/2019. THE BILL WAS {$700.00}. I SETTLE WITH THE COMPANY FOR {$500.00} DOLLARS.THIS WAS PAID WITH MY DEBIT Card XX/XX/2019 THEY SAID BILL WAS NOT PAID. I SENT THEM A COPY OF MY BANK STATEMENT WHERE IT WAS TAKEN OUT OF MY ACC [ 'T.THEN THEY WANTED TO HAVE A CONFIRMATION NUMBER. I STATED THAT I NEVER RECEIVED ONE. THIS IS STILL ON MY SPOUSE AND MY CREDIT, AFTER ALL THESE MANY MONTHS UNPAIDED
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I went through fraud on XX/XX/XXXX and I had lost over 1400 dollars. I contacted the fraud department of wells fargo and game me temporarily money for 10 days to see if they can find anything. The bank could find anything so there was a reverse of provisional credit of 1000 dollars 500 on XX/XX/XXXX and another 500 dollars on XX/XX/XXXX. Since that happened my account is now in the negative of XXXX dollars and tried resolving the issue with all the departments.
Consumer complaint received 2023-08-14
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. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2017-10-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC (MN)

I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-15
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: Convergent Resources, Inc. (TX)

partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX Account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

{$110000.00} was borrowed from TIAA Bank in XX/XX/XXXX. Six regular payments were made on the loan for the months XXXX to XXXX as per the agreement with TIAA. 

I requested a payoff quote from TIAA on XX/XX/XXXX. The payoff amount in the letter of {$110000.00} was good thru XX/XX/XXXX. The pay off was broken into {$110000.00} unpaid principal, {$750.00} in interest thru XX/XX/XXXX, and a recording fee of {$55.00}. 

On XX/XX/XXXX, two checks totaling {$110000.00} were delivered by XXXX XXXX XXXX XXXX and received by TIAA bank. TIAA posted one check on the XXXX and chose to not post the other check until XX/XX/XXXX. Even if the payment was applied a day late, the additional interest per diem is noted as {$16.00}. 

TIAA did not close out my mortgage. Rather than pay off my loan, TIAA bank charged me {$1500.00} in XXXX interest, which is three times the normal interest amount. They deposited {$1700.00} into their escrow account, again three times the normal amount. The balance of the payoff amount, noted above, was applied to principle. I never was called by TIAA with questions. 

When I attempted to resolve this with XXXX ( emp # XXXX ) and XXXX XXXX from TIAA, the resolution was for me to pay an additional {$1300.00} plus a recording fee of {$55.00}. These amounts are on top of the amounts already paid. 

To my surprise, on XX/XX/XXXX, TIAA sent me an email stating they had paid an insurance premium in the amount of {$1000.00}. This email is what caused me to start looking into the issue. Further, the provider that was supposedly paid by TIAA called on XX/XX/XXXX, stating that the insurance was to be canceled for non-payment if not paid by XX/XX/XXXX. I had to pay the {$1000.00} out of my pocket rather than the escrow. It's unclear if TIAA sent the check or not. We are out yet another {$1000.00} because of TIAA.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

I opened a Wells Fargo account on Wells Fargo 's XXXX. On their website, I put in my XXXX account number so they could pull {$500.00} from my XXXX account into the new Wells Fargo account. Wells Fargo did pull {$500.00} from my XXXX account, and then they lost the money. When I filed a complaint and kept calling to follow up on the money, they kept lying to me until XX/XX/XXXX saying they don't see any activity. 

I filed a previous complaint with the CFPB, and WELLS FARGO LIED in their response to CFPB, and CFPB closed the complaint before I got a chance to respond. Attached is their response, here are the lies : XXXX. They say " XXXX initiated the debit '', that is a lie. XXXX DID NOT INITIATE THIS TRANSACTION. XXXX didn't even know the Wells Fargo account exists. I opened the Wells Fargo account on Wells Fargo 's website and put in my Chase account info ON WELLS FARGO 'S WEBSITE. Then their website reached out to XXXX for the money. XXXX simply sent the money per Wells Fargo 's request and then Wells Fargo lost the money. They have yet to explain why the money was not put into my account when they received it on XX/XX/XXXX. WELLS FARGO initiated the transaction, they are the only ones that had both my Wells and XXXX account number since I put in the Chase account number on their website. 

XXXX. Their response says that " On XX/XX/XXXX, we received a chargeback request from XXXX ''. The reason they received this chargeback is because XXXX lost my money, so I contacted XXXX and reported the transaction. I kept calling Wells Fargo from XX/XX/XXXX till XX/XX/XXXX and they kept LYING to me saying that they have no record of this money ( proving they lost it ), even though they received the money from XXXX per Wells Fargo 's instructions on XX/XX/XXXX, and supposedly sent it back to XXXX on XX/XX/XXXX - yet they XXXX XXXX to me saying they have no record of this money until XX/XX/XXXX.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

I have XXXX collection accounts listed on my credit report that I never received information regarding the debt, I have contacted all XXXX credit bureaus and was not sent the proper information to verify the debt. 

Transworld {$96.00} medical debt Trans world {$2000.00} medical debt XXXX XXXX {$910.00}
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

Southeast Toyota finance incorrectly billed me for over {$500.00} and then reported to the credit reporting bureaus that I was delinquent in XX/XX/XXXX. 
This has hurt my credit score and caused a big waste of time. 
The incorrect bill for {$500.00} was due to a clerical error that they made internally and incorrectly billed me for wear and tear on a vehicle from previous lease several years ago. 

I have tried since XX/XX/XXXX to correct the mistake with them over numbers phone calls. Finally I was told XX/XX/XXXX that the problem had been fixed and I did not owe anything nor would have my credit damaged. 

This month my credit dropped XXXX points on transunion and shows that I am incorrectly delinquent with XXXX 

This is not the first time that XXXX has made a large mistake and hurt our family. It is the second time and I believe that US regulators should fine and revoke XXXX 's license to operate in consumer finance. 

Please help me by restoring my credit score to + 800 like before this happened and correcting XXXX XXXX mistake to properly show that I am current and in good standing. 

Reference XXXX account number XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Sincerely, XXXX