davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Last few weeks, these ODD Account Services calls have been coming into my cell phone. First it was XXXX it was 2/from different numbers/day. Ive been deleting them because with my health issue of XXXX  XXXX, weve been extremely cautious with paying our accounts off to make insurance payout maximums. I phoned the numbers today and the unAmerican male voice assumed I was ANOTHER NAME. Then they said they mustve been given a wrong number and promised not to call again. 

I deleted their numbers before I got to your sight but I do know he said his company was MCM Collections. 

Those are NOT our accounts.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 
Account # XXXX, has violated my rights. 
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.
Consumer complaint received 2023-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have inquiries on my report that I didnt do like on my XXXX and my XXXX report I have XXXX XXXX XXXX on XXXXXXXX  I have a capital one inquiry on the date of XXXXXXXX  and I have another one for capital one on XXXXXXXX  them are on my XXXX report and on my XXXX  report I have south XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and capital one on XXXXXXXX  and another capital one on XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NC)

XX/XX/XXXX, I noticed a drastic change in my credit rating, and upon logging in, I found XXXX new accounts in collections from Wakefield & Associates with an open date of XX/XX/XXXX. The original debtor is listed as XXXX XXXX of North Carolina. At XXXXXXXX XXXX ET that day, I called the number listed regarding these accounts and was greeted by XXXX on the other line. She was able to provide account numbers but nothing else. I asked her to explain their process for requesting validation. She informed me I could email the request. 

On XX/XX/XXXX, I sent the email requesting validation with both a received and read receipt requested. The email was received but to date, I have not received any communication from Wakefield. The only action on these accounts is being updated on my credit report as of XX/XX/XXXX, to show it is still in collections. 

I also attempted to contact XXXX XXXX but was unsuccessful. This has dropped my credit score by over XXXX points with no explanation or ability to resolve.
Consumer complaint received 2020-10-18
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: EQUIFAX, INC. (IL)

have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (ND)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone identifies as National Credit Adjusters but person on phone identified more sounding like XXXX XXXX  or something different XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone does not identify as an active line and collector identified something like XXXX XXXX. 
They are calling me as *XXXX XXXX '' and then asking me to give them my social security number or my date of birth as " XXXX XXXX  '' or even after some evasive maneuvers and argument identifying as a business after verifying my name and then after identifying as a debt collector telling me they refuse to tell me why they are calling unless I give out personal identifiable information. That argument is clear and transparent negligent because I'm filing a report to the CFPB of unknown XXXX XXXX calling for personal identifiable information rather than debt collectors as businesses having a practice and it being my responsibility to skip trace the debt collector to verify their identity because they want to verify mine without identification first. When I worked in public collections a year ago, besides their name, we verify their address, public information. I work with people who are in collections to the IRS and they have to identify themselves and they don't ask for payment and I can't see even them doing that really. All the more reason, I won't be giving out my identifiable information to any XXXX XXXX that wants to call and ask for it either way. Better find a non-phishing practice to collect because " XXXX XXXX  '' is not a business to have that information. It's completely unnormal to refuse to identify yourself as a collector under some law that says it would be harmful to the consumer AND ask for business privileged information! Verify your own identity so that next time when you call asking for information like social security numbers, there is a business to file a complaint with besides trying to skip trace " XXXX XXXX  '' the debt collector.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

In 2013 I was hospitalized on an emergency basis at XXXX XXXX XXXX and incurred over {$100000.00} in medical expenses. I signed XXXX financial agreement, and XXXX billed the charged under XXXX account, and sent me XXXX bill. 

XXXX assigned the billing to California XXXX XXXX who has listed the debt as XXXX SEPARATE DEBTS on my EXPERIAN Credit report. I have disputed this, yet Experian continues to falsely report XXXX SEPARATE accounts as being delinquent.
Consumer complaint received 2015-08-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am trying to clear the " cloud '' on my title to a lot purchased by us in a foreclosure XXXX years ago which now shows a lien ( equity line of credit ) perhaps owed to Beneficial Finance and dating from a stated fraudulent document created in 1997 to a former man ( who also states under affidavit that he never owned lot nor signed line of credit documents ). The title company handling the escrow, my attorney, and myself can get no response of either Beneficial Finance Co. Payoff Dept., or Household Finance Co ( their successor? ) and have requested a Reconveyance XXXX times since XX/XX/XXXX. We have no other information regarding the proported lien. We suspect it was some sort of scheme to keep Beneficial Finance from having to pay the Homeowners ' Dues. But I never received any notification of anything at all from Beneficial Finance -- and it 's been XXXX years. To date they have ignored all requests for Reconveyance so that the property can complete its sale with a clear title.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AR)

I was denied credit. I contacted Experian to get a copy of my credit report. They would not let me access my credit report. I filed a complaint and they said they would mail my credit reporting to me. That was over a month ago. To date, I have still not received my credit report.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have two mortgages with United Wholesale Mortgage. They applied two payment to one house in error. The incorrect account number was on the check but the voucher had the right account and the pay stub for the right account was included in the envelope. 

I send my payment for XX/XX/XXXX on XX/XX/2020 for both my XXXX, XXXX  and my XXXX  house in two separate envelopes, each with its own stub. 

XXXX - I received my statement with a late fee. ( I am always early ) so I called and found out they credited a {$2000.00} ( {$1400.00} payment and add'l {$580.00} to principal ) payment for my house in XXXX, XXXX  to my house in XXXX. They agreed it was an error and credited me the late fee and said they reapplied they payment plus additional principal to the XXXX, XXXX house. 

XXXX - I received my invoice .. again a late fee. I called again ... another 3 hour call. They did apply the {$2000.00} to XXXX but they applied ALL {$2000.00} to principal only. therefore making my payment past due again. They credited me again and said they fixed the error. 

I then set up Auto pay to avoid any future error due to come out of my account on XX/XX/2020. 

XXXX - I viewed my bank account on XX/XX/XXXX and XXXX - they had not taken out my money. I called and they said they could not take it out because my account in XXXX was still showing past due. I was told I needed to send in copies of the cashed checks via email to XXXX which I did. Then XXXX XXXX number XXXX  said I needed to send in another payment because I was showing late ( even though it was UWM 's fault ) in order for them to auto deduct my payment for XXXX. 
I did - I asked for a call from management that never came. I was told within 24 hours. I called Saturday and was given the name of XXXX XXXX ( XXXX  ) would call me by XXXX. NO call. I called there at XXXX XXXX  the call dropped and when I called back they were closed. 
In addition - I received another invoice with another late fee. 

I am hoping to get help on Monday XXXX XXXX. To date I have exceeded 15 hours on the phone trying to get them to correct the error to no avail. Can you help me get through to them? 

XXXX XXXX XXXX
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

The Citi Thank you preferred card is not reporting my payment credit history to the three major credit bureaus. Even though I am an authorized secondary user, they are supposed to report payment history and credit activity to the three major bureaus. 

Despite my request, they are not reporting. This lowers my credit to debt ratio disproportionately and unfairly, lowering my credit utilization score. 

I am not able to obtain mortgage loans due to their undue negligence.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (HI)

On XX/XX/2023 I applied for a BestBuy Credit Card at the physical store and was approved and I made a purchase on the same day.

I was told that I would receive my card in 7-10 days. I never received my card as of today XX/XX/2023. I have called the company " CITI bank '' who is the issuing credit card company and notifying them that I did not receive my card. They said they would cancel the card on file and then would have to verify my account through sending me a letter in order to send me another card. I have made about XXXX calls to the company in the past couple of weeks regarding not receiving this letter and only to meet with resistance that they would need to send a verification letter to verify my account and they couldn't help me any other way. Last week I get a phone call that my account is past due, I told them that I have never received a statement either. I tried to make a payment over the phone and was told that I was still pending verification. I am frustrated with CITIBANK and am getting nowhere with the multiple different people that I am speaking to who sounds like they come from XXXX. I have tried to go online to access my account and make a payment but unable to log in as they system can not recognize me without my credit card. I called again to ask for assistance and was met with the same verification excuse. If this shows up on my credit report as a late payment I will be even more furious as of 2 months, I have gotten no statement, no credit card, no verification letter, no help or assistance, and I can't even get tech assistance from their customer service to go online.

Please help me with this issue because I am at my wits end with this company and can not believe what is happening. All of my personal information was on the original application when I got approved and now I feel that their incompetence will have a negative impact on my credit score and my personal well being.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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 2018-11-30
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. (TN)

I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX paid collection accounts on my Transunion report. XXXX regarding XXXX XXXX XXXX from XXXX XXXX for {$180.00}. I submitted paid receipts to Transunion and they have not removed it from my report. They sent me a letter stating the nature of my request was illegible. I followed the Transunion customer service representatives instructions who I clearly reported the issue to over the phone and sent them the requested proof by fax. If XXXX removed it because it was closed why wo n't Transunion? 
The second case is a paid in full account with XXXX XXXX XXXX bank ( XXXX ) and their collection agency, XXXX XXXX XXXX , XXXX. The collection agency has submitted a letter to the credit bureau absolving me of this debt but Transunion still has not removed the account or reported it paid. I have proof from XXXX XXXX XXXX , XXXX absolving me of the debt stating it is paid but they still will not remove it from my credit report.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I requested my credit report from annual credit report website - and received my credit reports. I found several additional names on my experian credit report and tried to use their online site to dispute. However, instead of taking my request to dispute, their website told me to call a experian number. I called the number and their prompting told me to go to their website to get further information. I found instructions on their website which told me to follow the instructions for disputing that are contained within my credit report. I read the credit report and it instructed me to submit a dispute complaint to consumerfinance.gov. I am stuck in a loop and want to get these references of other names off my credit report.
Consumer complaint received 2018-11-30
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. (TN)

I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  XXXX,
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo and XXXX XXXX XXXX have opened accounts using my previous information at a time when I have banked with each of the banks at one point in my life. Employees From both these branches have re opened account without my permission to gain monthly bonuses and meet the monthly requirement as an employee, the banks also gained off victims like myself by opening fake accounts it showed growth in banks overall gained interest in stocks to go up, collected fees from fake accounts, caused my credit score to drop damaging my life. Wells Fargo has offered to settle the matter with a refund that I dont agree with. The amount is low for the all the harm these banks have caused my family. I wanted to settle the matter in court but unfortunately these banks are protected from doing so.
Consumer complaint received 2022-09-05
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO. (CA)

Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.