davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have contacted Experian on 3 or More occasions asking them to verify the information of a repossession with XXXX account number XXXX. The first time was in XX/XX/XXXX I did not keep the record of the letter but I have a certified mail receipt that they received it. The second attempt was sent XX/XX/XXXX after a response from them stating that the account had been verified and updated. The certified receipt number XXXX sent on XX/XX/XXXX received on XX/XX/XXXX. I got an update that the account dispute was received by Experian and then it was updated as verified XXXX. 
The third attempt was a letter asking them to verify it, certified receipt number XXXX sent on XX/XX/XXXX it was received my Experian on XX/XX/XXXX. This last time I received an alert from Experian XXXX saying again the account is verified. I asked them to show proof 3+ times that this account is mine and accurate. I have seen no such prod which is a violation of my rights and I have also asked them to remove the information if proof was not presented.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

My first knowledge of this debt was when I get court papers stating that I am being sued. When I look at the documents provided by Midland credit management I find that the statements provided were from a person who shared a similar name and a different address. I dont know how these attorneys got hold of my address to sue me. Since I am already in court and have to send an answer I let the court know in my response that that is not my credit card account and that is not my address. I have lived in my current address for the last 15-16 years. I dont know any one in that address not even in that town. I send a copy of my response to the Midland attorneys as directed by the court. As a result I begin getting requests from midlands attorneys to provide to them all my personal information in order for me to prove it is fraud. Why would I do that if they are supposed to have that information if they claim I opened a credit card and owe money. I am right now waiting for the hearing in the coming month but I am unemployed and dont have an attorney and the court could not provide one for me. Midland has no proof that I possess that credit card and are making the papers in the court look like I received those statements, misleading the court. I requesting that they stop this unfair law suit and stop asking for my personal information. Thank you
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

On XX/XX/19 I reported suspected fraud on my account to Bank of America. BoA then locked down my account and said the only way for me to use it was to travel over 100 miles to their office out of state. I requested that the annual fee I paid be returned to me because they are not allowing me to use the card. They declined to return the fee, so I am escalating the issue to have it returned.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

On XXXX XXXX, 2017, I contacted Midland Credit Management about a debt that I had owed. I was not disputing the debt but wanting to pay it off. I negotiated a payoff amount of {$1000.00} and paid it by credit card. I have received several notices threatening garnishment of wages AFTER I paid. I tried several times to contact them and each time I was transferred and then sent to voice mail. I have left several messages trying to explain that this debt was paid. I finally went on line to find a different number or address to contact and found one for the corporate office in XXXX XXXX, CA. I sent and email and a copy of the credit card statement. Two weeks later, I received a letter validating the debt that I had owed but nothing about the pay off. I have the credit card statement with the payment to Midland Credit Management on their and they still refuse to acknowledge that I paid the debt. I just received a letter again ( XXXX XXXX, 2017 ) stating that they investigated and found that the debt was valid and they would start collection procedures again.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} XXXX account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Consumer complaint received 2017-07-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} StatusCollection account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How is this company reporting as data factoring when they were not in ownership of this account prior to the charge-off, since they are a 3rd party collection agency? My consumer rights are being violated by these entries as well as they are violating the Fair Debt Collections Practice Act. This erroneous, inaccurate item should not be reflected on my credit reports.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OK)

My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

On X/XX/17 I disputed a collection with diversified consultants. Diversified Consultants stated they would delete information from all credit bureaus and update my credit. I, Also asked for verification of this debt from diversified Consultants and as of the day I have n't received verification, I also checked with my local post office and they said I 've never received mail from Diversified Consultants. Diversified Consultants are in violation of the FCRA. Diversified Consultants has already deleted the account from XXXX, but still needs to delete from XXXX XXXX and XXXX.
Consumer complaint received 2020-06-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (GA)

Capital Bank financed an investment property in XX/XX/XXXX. They merged with XXXX XXXX a couple of years ago and then last year they merged with First Horizon Bank. When going after a refi on our personal residence, it was discovered that First Horizon has a lean on that property that was purchased XX/XX/XXXX and financed by XXXX XXXX! First Horizon has NO LEGAL RIGHT to have put a lean on that property and I want it removed immediately! 
Thank you, XXXX XXXX
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn. 
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

My Identity was stolen I was told a credit card from XXXX XXXX was used under my informations ai went to the court house in XXXX nj to tell about the problem now I find out that I am in garnishement. The company is taking {$300.00} in my paycheck. I never used this credit card
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I signed up for a credit card with Barclays and was approved on XXXX. I received 2 completely different cards in the mail. I called and was told it's not possible, that 2 accounts could not be created for one customer. After being charged annual fees on each of them, I called and was told that I indeed did have 2 of these barclays XXXX XXXX XXXX card accounts opened and that if I met the spend requirements I would earn the sign up bonus ( 80,000 XXXX Airlines miles ) on each. 

I did that, and received no bonus, nor a refund on the annual fee. 

Maybe it's not supposed to be possible as they said and I don't know how it happened, but it did, and I was assured that by going through the trouble of spending the money on the card and paying the annual fee, I would earn the bonus. 

To reiterate, I DID NOT open two accounts, as I'm sure their records will show. I submitted ONE application ( online ) and ended up with two accounts, two annual fees, and assurance that each should earn the bonus. 

On an earlier case the bank responded that " these bonuses and/or incentives are intended for applicants who are not and have not previously been XXXX XXXX XXXX XXXX XXXX XXXX cardmembers '' which does not address the issue that their glitch ( or whatever it was ) created.
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (UT)

I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

Subject : XXXX XXXX. 

I deposited a check for {$41000.00} in XXXX XXXX on Friday XX/XX/XXXX. Then I wrote a business check for {$35000.00} to my Chase Bank business account, ending in -- -- XXXX. XXXX XXXX check cleared on XX/XX/XXXX. Chase is still holding this check. 

1. I have deposited over {$100000.00} in Chase in XX/XX/XXXX. 
XXXX check was cleared to Chase on XX/XX/XXXX. I have proof from XXXX XXXX. 
2. Today is Friday XX/XX/XXXX the 4th day the cleared check is still not available to me from Chase Bank.

3. Chase said that yes the check cleared but funds have not been released to me yet for my use.

4. Has Chase been receiving interest on this check from overnight deposits with the Federal Reserve? 

Banks have a lot of reasons and loop holes and a lot of lawyers to tell me that the can hold my money as long as they can. What 's my recourse ... ... .. 

XXXX
Consumer complaint received 2017-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My complaint is against Bank of America, N.A. ( BOA ) and their unfair practices with denying me a remodification loan - while they are trying to slow-walk me into foreclosure. I have a Home Equity Line of Credit ( HELOC ) where I was paying on an interest-only loan. After 15 years, the terms of the agreement changed to where I had to pay the principle and interest at a higher rate. Note : The payments have almost tripled. I have been requesting a remodification since XXXX 2017, and with each formal request I have been denied three times with very vague excuses. Moreover, BOA has encouraged me to keep applying for a remodification loan, while the payments and late fees keep piling up. Although I have been paying something on the bill, I am unable to pay the full amount each month. So, according to BOA, there is a danger that my home will end up in foreclosure. One BOA  representative told me verbally that they think I can pay the high amount without a remodification ; while another rep said that I did not have sufficient income, or my expenses were too high. BOA appears to put me off without giving me clear directions on what to do. I have had a BOA rep call me and then hung up when I answered. I think this is so that they can say that they have tried to reach me and did not get a response. BOA tells me that they are willing to help, but then drag out the remodification process with back-and-forth issues of losing my documents until I am so far behind that the foreclosure proceedings may be imminent - according to them. Each time I have been denied a remodification, BOA has sent me the same Stock letter,  but with a different date. Also, BOA keeps losing all of my documents, and then claims that I never submitted them. BOA keeps recording me late every month which degrades my credit score. No other mortgage company wants to do business with me because of my HELOC account with BOA. I have attached copies of some of the documentation that I had on hand of the unsigned correspondence from Bank of America.
Consumer complaint received 2020-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent debt collection letters twice on XX/XX/2020 and XX/XX/2020. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.