davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency. 
Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown. 
but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees?? 
I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home! 
Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now. 
I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan?? 
I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault. 
my office was closed again since XXXX XXXX, due to very high covid cases in this county. 
i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills. 
dont forget, i have to file taxes too. 
all the late fees added so many times ( aleast 6 times ) need to be removed. 
i can only think of paying sometime next yr, in 2022, not this yr. 
Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first. 
I have seniors at home too. 
I have no choice to file a complaint about this ongoing harassment. 
Thanks XXXX XXXX XXXX credit # XXXX
Consumer complaint received 2021-09-08
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. (MO)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-09-27
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: CORELOGIC INC (CO)

Unauthorized hard credit inquiry, onXX/XX/XXXX XXXX XXXX XXXX used a service, Credco and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and Credco in writing to no avail. XXXX and Credco indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.
Consumer complaint received 2022-09-08
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: Exeter Finance, LLC. (IL)

When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by XXXX XXXX! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by EXETER FINANCE LLCXXXX , i know nothing about.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-03-04
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. (NJ)

XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (FL)

As of XX/XX/2018 I had sent 3 letters one for each credit bureau requesting for validation of each account reflecting on my credit report. 
XXXX XXXX is one of the debt collectors that has failed to provide proper verification.
Consumer complaint received 2019-10-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My loan, currently with Wells Fargo, was originated in XX/XX/XXXX, with my late husband. After his death, I made a large principal paydown, and continued to make biweekly payments as timely as possible despite the decline in income. I never let the payments fall more that 30 days delinquent sine XX/XX/XXXX. 
I had to make the decision to move due to my son 's medical condition, in order to move closer to family and create a support system, as of XX/XX/XXXX. The work I had completed to make repairs to the home required me to cash out my XXXX, yet I still kept current. 
I left the property to move to Georgia, but still kept current with my payments up to that point. The utilities are still active, a security system is still engaged, and the local police have been contacted to provide a " passing attention ''. 
Despite this, my realtor showed up at the property on XX/XX/XXXX to find a vacancy and pending property securing notice on my door, as if I were in default. This was an *MASSIVE ERROR* since my last payment was due on XX/XX/XXXX. 
This clarified why I received several cancellation notices for property viewing in the one week that passed since moving. Any prospective buyers would be either scared off or willing to wait out a foreclosure in order to possibly purchase the home at a lower cost. 
I worked for XXXX XXXX for 13 years. I am well aware of how damaging a hint of Foreclose action can be for a home sale. When I called Wells Fargo to question why this notice was posted, none of the representatives could explain why. 
I would like an investigation into this matter. This error may have cost me the prospect for multiple interested buyers. Instead of having a number of prospects, I am whittled down to very few, and it has prevented a speedy resolution. My son 's illness has required that I resign from my 13 year long position in order to tend to his medical and educational needs. My income is now limited, so I will not be able to afford the mortgage.
Consumer complaint received 2017-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AZ)

Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A. (KS)

I got a judgement placed against me in XXXX ( after the money order for the original debt had been received & cashed ). Anyhow, I thought after they rec'vd the money order they would just drop the case. They did not. They got the judgement because I did not show up to court. I hired a lawyer to help me with the case in XXXX. I thought the lawyer I hired took care of the case, only to find out recently that the Lawyer I hired had been disbarred. Now they are tacking on 10 years worth of interest & they have my social security number on display on the XXXX XXXX XXXX for the world to see. Its a debt collection Law Firm called XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX )
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My home had damage from Hurricane Irma in XX/XX/XXXX. We filed a Wind damage claim with our insurance company in XXXX, within the 3 year window. After almost XXXX years of fighting with XXXX XXXX XXXX XXXX, and going to court settlement, we finally were granted a settlement, with the help of our Roof Contractor, and Public Adjuster we hired during the process. Nationstar Mortgage LLC, DBA Mr. Cooper, is our current lender and we needed them to endorse the check that came from the settlement, so we can start on our roof replacement repair. The check was sent to our lender for endorsement in XX/XX/XXXX. After several weeks of no response or seeing a copy of the endorsed check, it turns out that our lender, Mr. Cooper, lost the check. Our legal counsel had to have the opposing counsel request another check to be cut. After 3 months, a new check was sent out again, for all parties to endorse, in XXXX, XXXX. Then on XXXX, Hurrican Ian hit our home, here in XXXX XXXX, FL, and our home sustained even more damage, and yet we still never got our roof replaced/repaired from a Hurricane that hit in XXXX. Our lender, Mr. Cooper, sent us the check back, not endorsed, stating that the Public Adjuster we hired, couldn't be named on the check, and a new check would need to be cut without their name on it. They state that this is a FNMA rule. We explained to them that the court ordered the check to be cut this way, and a new check couldn't be cut without the Public Adjuster on it. Meanwhile this is all going on, several weeks keep passing, and my roof is still damaged from 2 hurricanes, and my lender is not helping us out, the customer. We are beyond frustrated and exhausted, and feel that our lender doesn't have our best interest in mind, to facilitate and work with us, to endorse the check, so we can actually get our roof repaired. We have XXXX children, several with XXXXXXXX XXXX XXXX XXXX and our lender is at fault for not endorsing the check, so we can make our home healthy and whole again.
Consumer complaint received 2018-03-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

So at XXXX I received an incoming cal on my cell from ( XXXX ) XXXX  the female on the phone Identified herself as being with Checksmart Corporate office. I don't believe she even provided her name. But she did verify my personal information for her. The call started fine but when I advised her that I would not be able to pay anything by the end of the month she started to raise her voice in what I could only describe as frustration. She advised in a punitive way that calls would continue, advised judgment and wage garnishment. I advised her that I would like the address to send a Cease and Desist letter she advised I couldn't do that because customer service was the only department that could do that. I advised her that I would like to speak with a manager at which she acknowledged and then I can only assume she hung up. I called from my cell at XXXX XXXX to the number ( XXXX ) XXXX and I got the same female I had spoken with earlier which she only identified herself as corporate office and never identified herself. I advised that I didn't appreciate being hung up on at which she responded that she had mistakenly disconnected the call. I advised her that she works on the phones for a living you think you would not have that problem. To which she responded angrily and I had at this point asked for a manger a few times and she hung up on me again. I called again from my cell to the number ( XXXX ) XXXX at XXXX XXXX and this time I spoke with a male XXXX who I verified my personal information. I spoke with him about the abusive behavior I experienced with his coworker. He advised he sat next to the female I was having issues with and at that time provided her name as XXXX and proceeded to make the excuse that there has been phone problems. I advised him that I was interested in sending in a Cease and Desist to which he responded with getting it processed immediately. XXXX was very helpful in resolving the Cease and Desist issue in a professional manner.
Consumer complaint received 2018-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks
Consumer complaint received 2022-03-10
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. (DE)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
Late open : XXXX  XXXX XXXX Balance : {$140.00} XXXX ; XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.
Consumer complaint received 2021-06-24
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: BMW Financial Services NA, LLC (NY)

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory in XXXX. 

1. Identity Theft BMW FIN SVC Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Ocwen serviced my loan for years made many mistakes modified the loan in 2018 ; payments were not affordable had to cancel the loan mod Ocwen kept {$6000.00} of our trial payments then in 2018 Ocwen never furnished us with a 1099 at all Ocwen failed to meet irs deadlines
Consumer complaint received 2017-10-24
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. (NJ)

There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.
Consumer complaint received 2016-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

on XX/XX/2020 I wired {$5000.00} from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person who was supposed to receive the funds, NEVER received them. it never reached the beneficiary 's account. 
I asked the XXXX  XXXX XXXX to return the money to my bank account since it never got to the other count. 
Several times XXXX  XXXX XXXX contacted the XXXX XXXX XXXX XXXX, but there was no answer. 
just once, the XXXX XXXX XXXX XXXX  answered that the funds have been deposited to the beneficiary 's account and since they have withdrew them, they can not return the money. 
When i contacted the beneficiary, they stated that the funds were never deposed in our account and they sent me a PDF from their account showing there no {$5000.00} deposed in their account from XX/XX/XXXX to XX/XX/2020 as you see it in attachment. 
the XXXX XXXX XXXX XXXX  is not returning the calls for XXXX  XXXX XXXX, Nor do they return the funds to my account. 
Where is my Money???
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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