davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
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. (OK)

My HOA started reporting dues to Equifax. Equifax is categorizing these HOA dues on my credit as a secured loan. Let me add, I am up to current and never have been behind on dues. However, I was recently denied a credit increase from a creditor citing one reason as Limited information about the credit on my Home Equity Line of Credit which I do not have. It is referencing my secured loan with my HOA dues. I attempted to dispute the entirety of this with Equifax and it would not allow me to, saying I could not dispute this. It finally allowed me to dispute one month as an incorrect loan categorization but will not permit me to dispute the loan classification as a whole.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

On XX/XX/XXXX, I initiated a trade to sell {$500.00} to buy XXXX using Transferwise. Shortly afterwards, ( they claim hour and a half ), I was able to cancel the trade on thr app. The reason for the cancel is, I realised I held XXXX in my bank account, and traded with Transferwise for XXXX. But I only executed the trade for XXXX only after I was able to cancel the trade for {$500.00} on their app. The reason is I have cancelled in the recent past without incident. I have been unable to cancel on their app after a short timeframe and accept this as reasonable. This time, I was able to cancel and, because of all previous experience, believed there was no problem. In the past, if I tried to cancel, and the transaction was being processes as over 30 minutes or the US amount was already ringfenced, the Transferwise app did not allow it. 
Because Transferwise took XXXX and then tried to take an additional XXXX, my XXXX XXXX has charged me {$29.00} in an NSF fee ; because taking the XXXX would have created an unauthorised overdraft on my bank account. I asked Transferwise to pay the fee as they took the XXXX, and then tried to take the XXXX. I only learned of the fee the following day when I got an email from my XXXX XXXX. I have had to contact Transferwise to try to resolve this every step of the way. I even have to chase them as they do not reply to my emails. Transferwise never contacted me without being chased, and I have had to intiate all contacts to try to resolve the matter. I requested times to justify their argument about cancelling an hour and a half later ( they did not comply ) or explain how I was able to cancel a trade and they still take the funds ( it has never happened before ).
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (NY)

On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

The Golden 1 Credit Union XXXX XXXX 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received a letter from Kohl 's that I had applied for a store credit card. I had not. I subsequently received a letter that I was denied for that Kohl 's card. I contacted Kohl 's to let them know I did not apply for a credit card. They directed me to XXXX to report. I contacted XXXX and received a copy of my credit report. It had a hard inquiry listed for the Kohl 's card dated XX/XX/24 and another for a credit card with Capitol One for XX/XX/24. There was also a XXXX address listed in my personal information ( I have never lived in XXXX ) and a residential phone number that has never belonged to me. Called XXXX  and requested this information be removed from my credit reported and placed a freeze on my account.
Consumer complaint received 2020-05-08
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. (CA)

This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SD)

We were never late on our Auto Loan with Ally financial. We paid our loan in full in XX/XX/XXXX. Ally had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through XXXX. Ally updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.
Consumer complaint received 2021-02-26
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. (VA)

XXXX XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Consumer complaint received 2021-02-26
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. (VA)

XXXX  XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

Equifax is reporting that I have XXXX credit card debt, which I do not these accounts are not mine but my twin sister, I have filed this complaint many times and they still keep reporting my sister debt on my credit report. My name is XXXX XXXX XXXX her name is XXXX XXXX XXXX. The XXXX credit card accounts XXXX XXXX, and XXXX XXXX XXXX I do not have accounts with these lenders. When I called the lenders that stated they have the accounts under XXXX name not mine and that the credit bureaus keep mixing us up. Please see the attached credit report. I do not go by any different names on XXXX XXXX or XXXX XXXX XXXX. I also tried every year I have to send my license and birth certificate only to resend it again in a couple of months because they keep getting the data wrong and reporting the insufficient debt. Also, the addresses they have are not correctly associated with my identity. Please see the attachments.
Consumer complaint received 2019-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (OK)

My XX/XX/2019 mortgage payment had returned NSF and then paid in XX/XX/XXXX. I then made my XX/XX/2019 payment online, but then Mortgage Solutions called asking for my XX/XX/2019 payment. So I went back online and made the payment again thinking it didn't work the first time, but it did so the second payment I made NSF. Which caused me to have two NSFs, therefore I have to mail in my payment until XX/XX/2019, I was told. I mailed my XX/XX/2019 payment to the address on the payment coupon certified mailed. They said they never received it, so I went to the post office and got a copy of the receipt signed that they did received it. I gave them that information, but they continued to call me about it. So I asked how I could send the information, one option was to email it to " XXXX '' and so I did. I have uploaded a copy of the email response being undeliverable to this email. And I have also included a copy of the payment coupon with the address that I sent my payment to that they say they didn't receive. And a copy of the money order stub and certified letter receipt for both XX/XX/XXXX and XX/XX/XXXX.

They told me to send the payments to the corporate office. So I send XX/XX/XXXX 's payment to the corporate office address. I find it strange that I couldn't find a customer service phone number on line for this company and that even though I mailed my payment to the address on the payment coupon they provided, my payment didn't make it to them. And also that they provided me with an email address that isn't valid. Now I find that they have reported on the credit bureau that I missed a payment. I just called them but they were not opened yet, but the automotive system says that my next due is XX/XX/2019, which is correct. 
Now I just need them to remove the late and/or missed payment from the credit bureau reporting systems.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (NV)

XXXX XXXX XXXX  This is XXXX that i sent you before. 

Submitted on XXXX  Product Credit card Issue Problem with a purchase shown on my statement And then, i got a reply you that the company ( XXXX ) has responded to my complain on XXXX XX/XX/XXXX .Also XXXX admitted to this XXXX XX/XX/year>. 
I did sent by mail to you XXXX Claim Form delivered by XXXX and also have the copies. 
However XXXX hasn't refund me $ XXXXused for fraud in my Bank account still to this day. 
XXXX should refund and handle this matter as soon as possible. Could you please tell XXXX when XXXX will refund me? 
Also i can't log into my account of XXXX for this past month as the reason of System Maintenance.i 'm mentally tired.i can't believe the way XXXX do it. 
i'd like to ask you for your help again. 
Best Regard Thank you alwaysXXXX XXXX
Consumer complaint received 2020-07-13
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. (NC)

Once again, I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation. The previous complaint they stated was not initiated by me which is a lie. I have provided all my personal information.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (SD)

XXXX  is reporting my account delinquent over 100 days after my mortgage was transferred from XXXX XXXX  to Mr Cooper ( nation star ). My loan was going through loan modification process at XXXX XXXX   while it was transferred. My payments have never been late according to the loan paperwork documents. I have made complaint with XXXX  and requested Mr Cooper to fix the reporting error. 1 representative told me it was reporting wrong because I made 2 payments that posted in XXXX. Therefore 1 of the payments should have been posted in XXXX but never had been.
Consumer complaint received 2019-05-16
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. (PA)

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (MI)

I submitted a dispute through XXXX and XXXX regarding the balance of my closed Kikoff account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to Kikoff. 
XXXX shows the transaction is completed ie Kikoff cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my Kikoff account so it would show I no longer owe {$8.00} but Kikoff informed XXXX and XXXX that the account information they had was correct. It is not. 
I dont owe Kikoff {$8.00}. It is paid in full.
Consumer complaint received 2019-05-16
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: Navient Solutions, LLC. (PA)

Student loans were included in bankruptcy payments, All bankruptcy payments have been paid off on time. Bankruptcy payment were complete XXXX of XXXX, Navient started showing up on my credit report in XXXX of XXXX with something called " repurchased '' and Navient says I still owe them money.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TN)

I received a final payment amount from XXXX XXXX that I owed XXXX on XX/XX/2020. 
I terminated my lease 2 months early with a written notice which was required per my contract with XXXX. Which is what I provided. When XXXX reached out to me through Email several weeks later I advised that I was having some XXXX  health issues and on XXXX. In the time frame that I was reached out to via email. 
Now remind you that in this time frame WE faced a Pandemic so with that came jobs cuts and layoffs and less hours. 
Well I received this letter on Monday XX/XX/XXXX from National Credit Systems for the amount of {$3100.00}. I contact XXXX with National Credit Systems advised her that my final contract and agreed upon amount from XXXX was {$1800.00}. And that was the final amount that was mailed to me as well.She states that the extra amount was a fee they charged. So they charged me an additional {$1200.00} dollars and they have ONLY contacted me one time and that was with the letter I received. So they charged me XXXX and they have done nothing. When ALL I owed XXXX was XXXX. 
I have Federal student loans that don't even have that much interest and fees. So how is it possible that National Credit to charge me XXXX and they haven't done anything but send a letter. Also, while I was speaking with XXXX from National Credit she told me that at this time there was no settlement amount they wanted it in full. So basically they are telling me I have no other options but to get XXXX put on my credit just because they can. When my original Debt with XXXX XXXX XXXX was XXXX. How is that fair or legal in the State of Tennessee. With any debt I have ever had, I have NEVER been charged a XXXX fee from a Debt Collector. That is outrageous and something that i refuse to pay. Will I pay my actual debt of XXXX if allowed, yes I will. But I will not be threatened into paying XXXX!
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I mailed ERC ( Enhanced Recovery Company LLC ) a letter on XX/XX/XXXX2021 addressing a debt they claim I owe to XXXX XXXX XXXX XXXX in the amount of {$340.00} in response to a letter they sent me on XX/XX/XXXX2021 stating that since I am disputing the validity, my account will be in hold status for now and collections efforts have cease. I still asked them to validate that debt within 30 days. I sent the letter certified, so I am aware they received it on XXXX/XXXX/21. Today is now XX/XX/XXXX, and I have not gotten a reply back.
Consumer complaint received 2019-05-16
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: EQUIFAX, INC. (NC)

My wife and I purchased a XXXX XXXX from XXXX in XXXX XXXX TN on XX/XX/2018. We signed for a credit inquiry, and eventually accepted financing from XXXX XXXX. Several weeks later, we noticed a substantial drop in both our credit scores. As part of the loan process, there were 8 hard inquiries on each of our credit histories. The dealership did not disclose their intent to make multiple inquiries, and we would not have authorized that many. We only ended up taking a single loan from XXXX XXXX. One auto loan should not result in 16 hard inquiries, and that much damage to two peoples ' credit scores.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

In response to XXXX I am requesting OPT OUT of all consumer reporting regarding this account with BMW financial services XXXX ( See attachment ) BMW Bank of North America, needs to obey CFR. 357.13 Obligations of the United States and the Federal Reserve Banks with respect to Book-entry Securities and security interests. 

a ) Who is entitled to deal with an interest in a Book-entry Security that has been credited to a Participant 's Security Account? Except in the case of a security interest in favor of the United States or a Federal Reserve Bank or otherwise as provided in 357.12 ( e ), for the purposes of this subpart B, the United States and the Federal Reserve Banks treat the Participant as exclusively entitled to perform the following functions, even if the Treasury or a Federal Reserve Bank has any information or notice to the contrary 2 ) Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either : ( i ) Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or ( ii ) Pays such principal and interest as directed by the Participant d ) What does a Participant need to do in connection with the Redemption of a Book-entry Security? No action by the Participant is required.

Please see attachment.
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (IL)

Many years later. I just noticed this on credit card statement totals. Collection agency threatened to report on credit bureau report. I never did verify debt. Amount XXXX to settle. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didn't think I had a voice then. PHOENIX FIN-PENDRICK XXXX XXXX XX/XX/2018. 

Yes I am single now and I did move.