davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Access Credit Management, Inc. (AR)

XXXX XXXX XXXX debt was liquidated in chapter XXXX that I filed in XXXX. I call this company and spoke with a gentleman name XXXX. I asked him why was he continuing to try and collect on a debt that first of all over 10 years old and secondly it has been discharged in my  chapter XXXX in XXXX. he said it was a mistake and he would rectify it. he did just the opposite, He went in an updated the opening of the account for XXXX XXXX. Noted this is illegal and he is practicing fraudulent reporting. I call him again on XXXX XXXX, XXXX. He claimed that he had the updated bill. I asked him to sent me a copy of the account that he said was opened in XXXX XXXX. He then asked me for an account number. Well, the credit Bureau has no account number for this bill because it was discharged in XXXX. I have the records from the bankruptcy courts where XXXX XXXX XXXX was listed numerous of times in my chapter XXXX. This company and XXXX are known for practicing illegal reporting and misconstrued information on peoples. They have been doing these type of tactic for years. XXXX is the person that does all the illegal reporting. I am faxing you a copy of the bankruptcy filing as evidence that this accounts along with other have been liquidated in my chapter XXXX filling in XXXX. 
this company Phone number is XXXX
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.
Consumer complaint received 2017-08-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Account number XXXX and the XXXX Account number XXXX are in violation of my rights. Also, the list of inquiries is in violation of my rights to privacy in accordance to 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

In XXXX I contacted XXXX XXXX who my Debt was with, I had no idea I owed them anything as I withdrew my daughter due to their negligence after she had had XXXX  XXXX on both eyes. I contacted the Director, XXXX, to try and resolve the issue around XX/XX/XXXX when Capital Accounts put I owed around {$660.00} to XXXX XXXX. I told XXXX I was charged the wrong amount due to my daughter being pulled out of the Daycare, there was no way I owed over {$600.00}. On XXXX XXXX, XXXX the Corporate Assistant from XXXX Emailed XXXX about the situation stating if I paid the amount of {$260.00} that she would contact the Collections company and have it removed from my Credit. The Collections company and XXXX had put I owed over {$600.00} initially which upon me talking to XXXX she confirmed that amount was incorrect, hence the Email from Corporate to XXXX. I paid in full the {$260.00} on XX/XX/XXXX. I disputed the claim on my XXXX XXXX account soon after and it was not taken off. I called XXXX at XXXX XXXX and asked why this debt was not taken off my credit yet and she said the Collections Agency was refusing to take it off. I have paid the amount I was told even though I did not owe that in order to have this taken off my credit as it is harming my Credit score.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc. (MI)

I started paying windham professionals {$25.00} then increased it to {$50.00} for a debt held by XXXX  university. The debt when I started was XXXX estimates since starting paying the balance as of today is XXXX. I 've paid them more then that.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-06-09
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. (CA)

I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, 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. (MI)

I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       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 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

The Midland credit Management MCM call me offering to pay a deb collection from a credit card, that amount original was XXXX. They said that I just have to pay XXXX and the balance will be removed from my credit report in full. I have more than 45 days I did the payment and the balance is still in my credits reports. They say that they already did his part and I dont thing it is true. I need to do an operation and my credit report is not helping me because of this incorrect information. My name is XXXX XXXX last 4 o my social XXXX. I need your help and protect my consumer rights please
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XXXX, XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XXXX, XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a real estate investor with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month  after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Consumer complaint received 2021-06-09
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. (CA)

I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.
Consumer complaint received 2022-03-03
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. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2017-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/XXXX2022 I went to a Huntington branch in XXXXXXXX location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to make a deposit into my checking account. I provided the bank teller with 2 cashiers checks and my driver 's license- I was presented with a receipt with the deposited amount and the last 4 digits of an account number. The bank teller advised to give it 24 hours to utilize the funds. On XX/XX/XXXX 2022 I checked my account online and the deposit was not there. I received a phone call from a relative who also has the same mailing address asking about my deposit- he advised that the funds had been deposited into his account on XX/XX/XXXX22 in the same amount that I deposited. As of today, my funds have not been returned to my account and I am currently in the negative. Although when I spoke with the branch manager I was told the issue would be resolved within 2 days.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

There were fradulent ATM transactions from my accounts when I was travelling to Alaska. All the transactions ( 5 of them ) were in and around XXXX XXXX while I was in Alaska, were ATM withdrawals of {$300.00} each. The ATM card was with me and the pin number is very secure and nobody other than me knows the pin, including my spouse. I raised a complaint with Wells Fargo bank online and they mentioned that since my card was secure and my secret pin was not used, this is some fraud charges and took my case. after making me wait for 2 weeks the bank got back saying I made the withdrawals myself and held me liable for these charges. This is a case of low security on my card and the account was supposed to be {$0.00} fraud protection premium account. I park majority of my liquid funds in this account with this trust. My card is already blocked and the online account is disabled, but more than me wanting to find who did the fraud I want the {$1500.00} back. The bank did not ask me any proof for alibis and my card usage outside the area where the fraud took place, not sure how they came to a conclusion that this is an authorized transaction by me
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have an entry on my Experian credit report dated XX/XX/19 that also dates back on previous reports indicating I opened a XXXX cable account at an address I've never lived. The address of XXXX XXXX XXXX XXXX Ga is a place I never lived nor do I know anyone that lives or has lived at this address. I've XXXX near begged Experian to remove the address and the account from XXXX the collection agency that is listed as the debt buyer. They refuse to do so. I've asked them to show me how this was verified. Still no response.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC (GA)

In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX of North Georgia XXXX, accepted care of my son with payment being split 50-50 % by my ex-wife and me. My half was paid-in-full, but my ex-wife refused to finish her half of the payment. She sited that the XXXX initially over-exaggerated the supplemental care for my son to charge for services that were not rendered. Subsequently, she stopped payment, the doc released my son from care, and placed balance on my credit report as she was out-of-state and unreachable for collection of her debt. During my XX/XX/XXXX-XX/XX/XXXX bankruptcy, I placed the debt for the XXXX 's bill in with the rest of my creditors. It has now come to my attention that the XXXX has re-submitted the debt under his name of XXXX XXXX XXXX to circumvent the system and collect on a discharged debt.
Consumer complaint received 2022-03-03
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. (MD)

Equifax is violating the Federal Credit reporting Act. Even on its own website it is clearly written that : << a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 

Equifax is not following what is written on its own website and in the meantime is also violating the FCRA. Indeed, there is a charged-off account ( XXXX XXXX XXXXXXXX XXXX ) that has been on my credit report for more than 7 years from the date of first missed payment. It happened in XX/XX/XXXX. I have the letter XXXX XXXX  XXXX sent me to notify me that my account is past due. Like I said, it started in XX/XX/XXXX and I have a letter from XXXX XXXX XXXXXXXX to prove it. I have attached it on here for your reference. 
From XX/XX/XXXX to XX/XX/XXXX its 7 years and 2 months! 

Equifax, this is a formal notice that I am sending you. Remove immediately XXXX XXXX XXXX from my credit report!! 

I will use today 's letter against you in court to prove that you deliberately refused to remove this account even after notifying you that this account is in violation of the FCRA!
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (AZ)

I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.