davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC (NJ)

I was mailed an invitational Credit Card Promotion. The card was purposed to build my credit profile. I immediately paid a {$75.00} activation fee. The credit limit was {$300.00}. The annual fee is XXXX dollars. I was told that after approval of a credit line increase my account would be billed 25 % of the limit increases. So with all that in mind I called XXXX XXXX Bank and set up auto pay from my debit card from XXXX XXXXXXXX XXXX. 

I then told them that I was going to a hospital for at least a month. 

Upon coming home from the hospital I discovered a late payment fee on my bill. 

I called in to clarify the issue. 

I was not told accurate information. 

I contacted an Attorney to file letters to the credit reporting agency. And sent many letters to the bank. 



I called in and discussed this matter
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXXm submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bepensa Capital, Inc. (FL)

I have continuously made letters to business as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX in request to the following information regarding the sale or auction on the account listed. I've asked this business to provide all documents of when and the amounts in which the vehicle was sold or auctioned. I've asked for the deficiency balance or surplus amount following the sale or auction of the vehicle, as well as the original balance of the vehicle. I was told via telephone from a XXXX that they do t have any info in reference to acct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, fl XXXX
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Commonwealth Financial Systems, Inc. (GA)

calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

So again Ive hired XXXX XXXX  to deal with these XXXX cards that were identity theft and they did charge jobs with XXXX XXXX XXXX and whatever other company it was called I cant think the stuff is stressing me out but either way I have been playing XXXX for quite a while I am being harassed by these companies they keep switching companies and going after me still even though they know that someone had identity theft at me so the new company now that theyre sending the debt to is XXXX XXXX XXXX XXXX will re-forward everything I sent these people and attach them to these files Once again sincerely XXXX  XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I was in the XXXXXXXX XXXX XXXX XXXXr and just got out very recently. Once I got out I realized my home was in foreclosure with an auction date. I did not have a phone or any way to communicate with my mortgage company. I am still suffering from XXXX issues. But, when I got out of the XXXX I reached out to XXXX, XXXX, and XXXX, XXXX who is the trustee attorney for Citizens Bank my mortgage company and with assistance from a friend I sent them a debt validation letter on XXXX XXXX XXXX  requesting them to provide more information and validate what debt they are saying I owe regarding my mortgage, late fees, escrow arrearage and other fees etc. My plan was to confirm this debt so that I can either reinstate the loan or have all the figures to know what is needed to sell my home. The trustee attorney sent me an email saying the received the debt validation letter and they said they would send it to Citizens bank to see if the foreclosure could be postponed in order to gather this information to make a decision to reinstate the loan or sell the home. The trustee attorney nor the mortgage company gave me this option which I really believe was a travesty because I did not have an opportunity or option to save my home from foreclosure simply because I was not available while I was hospitalized. I shared all of this information with both the trustee attorney and the mortgage company but they did not care and said they could not postpone the foreclosure. I do not believe they wanted to hear my story or work with me to prevent foreclosure and make due on the debt they claim I owed either by reinstating the loan or selling my home. Please let me know if you can now stop the ratification of this foreclosure auction sale which happened XX/XX/2024 at XXXX and reverse these terrible events taken by the trustee attorney with the authorization of the mortgage company. I have attached my debt validation letter below that I sent the trustee attorney. Thank you.
Consumer complaint received 2021-02-10
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. (IN)

On XX/XX/XXXX, I sent a letter to TransUnion stating that the unverified item listed remains on my credit report in violation of Federal Law. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their most recent investigation, they again stated in writing that the item is VERIFIED AS ACCURATE? 

As of today, TransUnion has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly DELETE all information which can not be verified. 

In fact, the original creditor listed has advised that they have no account for me on file. ( A copy of their response letter to me is enclosed ). The original creditor can not verify this account, so there is no way TransUnion properly verified the account. 

I have informed TransUnion that I am prepared to seek any and all legal remedies afforded to me ( including monetary damages ) as provided under the law if this is not removed. They have chosen to not remove the account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX  XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ; XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : ; XXXX XXXX XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2021 I pulled my credit report and noticed inquiries on my credit report that I did not authorize it was from XXXX of a company by the name of XXXX XXXX, I contacted Transunion because I was not able to dispute the information online the system stated I had to call in, upon calling I was denied being able to dispute my information online and over the phone. I explained i did not apply for any credit and that my information has been exposed due to a breach from an employer and my social security, bank account and personal information was exposed, I received notice to contact the bureaus if I noticed anything suspicious on my credit report. TransUnion refused to remove the inquiries from this matter.
Consumer complaint received 2017-02-14
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (WA)

I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I 'm an accountant and deposited a {$4800.00} check received for Client # XXXX, I also do the accounting for Client # XXXX. Client # XXXX and Client # XXXX are competitors and completely unrelated, and up to this point unaware that I handled each others bookkeeping. I am a signer on Client # XXXX account, but not on Client # XXXX. 
The teller deposited a check made out to Client # XXXX into Client # XXXX 's account, even though the check was endorsed " for deposit only and Client # XXXX 's account number ''. When a vendor tried to cash a check and the money was not in the bank we went Online and discovered the error. We tried calling the bank for over an hour and the phone was never answered. Wells Fargo Customer Service attempted to call for over an hour and a half and never got through. Customer Service suggested I withdraw the {$4800.00} from Client # XXXX and deposit into Client # XXXX account. I refused to withdraw money from Client # XXXX because I had not made an error, the bank had simply put the money in the wrong account, and just because I was a signer on the account they put the money into did not give me the right to take money out. I was simply the carrier, my client had asked me to deposit his check into his account, the bank deposited the check into someone else 's account. 
Customer Service had me drive to the branch ( XXXX miles ) because they were unable to contact them by phone. When I arrived at the bank the head teller corrected the mistake, but then doubled the amount of the deposit. The bank manager suggested they could give me free deposit slips to compensate for the error. Here 's what I feel they did wrong : 1-Teller did not verify name on check with the account it was being deposited to. 
2-Teller did not verify account number on the back of the check with account deposited to. 
3-Branch does not answer incoming calls. 
4-Customer Service Rep unable to rectify error even though she had images of the check. 
5-Customer Service suggesting I withdraw funds from someone else 's account, that the bank had deposited to in error. 
6-Customer Service issuing a reference number while the problem was being investigated, even though she had all the facts. 
7-Client # XXXX had access to the image of the check made out to Client # XXXX violating Client # XXXX 's privacy, for he now has all the information for Client # XXXX 's account, amount of check, the vendor whom the check was from. 
8-Has violated client # XXXX privacy by suggesting I withdraw the funds and disclosing the balance in the account unrelated to the deposit. 
9-Asking the customers accountant to drive to the branch because they would not answer the phone. 
10-Caused a difficult situation between my clients and myself, for the only connection I had in this situation was being the driver of the check. By the teller automatically attaching a deposit I brought to the bank to another account that I was a signer on she linked XXXX competitors that have lost trust in our relationship.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
Consumer complaint received 2021-08-03
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Technology Federal Credit Union (CA)

On XX/XX/24 I did a a pre-qualification with First Tech Federal Credit Union. It provided me with a response stating I was pre-qualified. After entering all my information today XX/XX/24 I received a declined email stating they were not able to approve my application. This is very deceiving to the consumer.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Act, XXXX account # XXXX with XXXX, XXXX  account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

Hello, In Mid XXXX I switched from a XXXX Insurnace policy with one Insurance Company XXXX to another XXXX XXXX XXXX. I did notify the XXXX  XXXX Mr Cooper of the insurance switch and did provide the number of the new policy with XXXX and the XXXX contact information. In a couple of days I checked whether XXXX did update the insurance in their system and was unpleasantly surprised to discover that they did NOT. 

I provided all of the above information to them again, called my new insurance company XXXX and asked them to send the insurnace policy information to XXXX for the second time. 

Today I on XX/XX/XXXX opened a letter from XXXX mailed on XX/XX/XXXX which says that since my previous XXXX insurance expired and I did not provide them with the insurance information they will buy the insurance for me. This is a clear cut false statement and in my opinion an attempt to sell me an inferior insurnace product at inflated prices. 

I did feel very upset and cheated when I received this letter from XXXX, on the first glance they seem to be a respectible Mortgage Company but I have my serious doubts. 
If other consumers with XXXX have a similar experience as I did then I feel that a serious investigation by a Governmen Agency is in Order.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.