davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (IN)

I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

Receive letter from XXXX XX/XX/XXXX received phone call from XXXX XXXX acknowledging they did pay out money out of the account to Western Union in XX/XX/XXXX {$1300.00} Western Union has no record of the transaction theres no transaction number received letter from XXXX that I still old this debt to XXXX XXXX  I have been communicating with XXXX from XXXX XXXX XXXX XXXX for the past week who was helpful enough to let me know that money was paid out from XXXX XXXX XXXX  to Western Union and I was not aware of this all this time that Ive been disputing the facts so there is money that was sent out to Western Union whether Western Union still has the money or whether the money was transferred onto XXXX XXXX l have no record of it and Im still responsible for the debt. XXXX  see if they rolled off the amount so it looks like they did not receive it. So where is the money does Western Union still have it in an account? I would like to know where the money is who received it so that the debt can be closed appropriately documentation of receipt of the payment. I can be reached at XXXX thank you for your prompt attention in this matter.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc. (MI)

I have filed a claim like this before, but I agreed to close it because the proof I had at one time dissappeared. The same thing happened again, but this time I was able to take screen shots ; mind you, the statement reads two different names. One says Google, general entertainment  and the other says XXXX XXXX XXXX XXXX XXXX. The reason this is an issue is, not only am i being charged twice, I canceled my debit card the last time I saw the XXXX XXXX XXXX XXXX XXXX. I had no idea that XXXX XXXX XXXX XXXX XXXX is a secondary or whatever name for Google. It wasn't until a few days after I canceled my card that XXXX XXXX XXXX XXXX XXXX changed to say Google Entertainment. I was put out for 2 whole weeks not having my card. I thought it was hacked. But lo and behold, it was Google this whole time ; and now it happened again. Google charged me on the XXXX XXXX XXXX XXXX of XXXX and I have a pending transaction made on the XXXX ( XXXX XXXX XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX. I find this highly suspicious.
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC. (OH)

I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.
Consumer complaint received 2022-02-04
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-05-23
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reported XX/XX/2022, XX/XX/2022, and XX/XX/2022. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

On XX/XX/XXXX, an authorization and documents to begin a short sale were faxed to Selene Finance. As of today XX/XX/2022, I am not able to speak with anyone at Selene Finance to obtain a short sale. I have even been hung up on. My home is in danger of being foreclosed on. Since this is an FHA loan the bank has to follow certain procedures, which they are not and are refusing to cooperate with me to obtain a short sale. I can not even speak with a manager when I call, which I have done numerous times. Please help me fix this situation. I have been denied speaking with the bank regarding my account on numerous occasions.
Consumer complaint received 2023-05-08
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. (VA)

I implore you to take action and remove these fraudulent accounts from my credit report. I have never authorized anyone to use my account and it is completely untrue. Please eliminate these deceitful accounts from my credit report.
Consumer complaint received 2020-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (TX)

I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.
Consumer complaint received 2022-07-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

I received notification from XXXX that there was a collection on my account from Clark County Collection Services for XXXX XXXX XXXX XXXX in the amount of {$830.00}. I have never had a loan with the XXXX XXXX XXXX.
Consumer complaint received 2022-07-20
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.
Consumer complaint received 2020-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I received an escrow analysis from my lender, Freedom Mortgage. 

Although my analysis predicted a surplus amount and a refund check was sent to me, Freedom mortgage raised my monthly payment amount. 

Freedom mortgage did not provide me with a shortage amount, nor did they provide me with the opportunity to pay any shortages so that my monthly house note would not increase. 

Freedom Mortgage just raised my house note, without any opportunity to pay the shortage. I attempted to resolve the matter by alerting them, but they have ignored or insufficiently responded to my inquiries. 

They have not answered the question of how they determined that I have a surplus which resulted in a refund and have my monthly house note go up at the same time because of a shortage. I received notice that I have an overage and shortage in the same escrow analysis letter. 

I know this sounds confusing, but that is why I require your intervention so that Freedom Mortgage can provide an accurate escrow analysis that shows what the shortage is, so I can pay it in full and reduce my monthly mortgage payment.
Consumer complaint received 2016-03-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes
Consumer complaint received 2022-07-20
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovey filed law suit, my attorney requested pfoof of ownership of the debt, validation, the failed to validate the debt, previously and reporting debt to XXXX Credit Bureau and refuse to remove it. 
Law suit was dismissed because the Plaintff, Portflio Recovery, failed to appear. Sent email and letter to Portfolio Recovery XX/XX/2016 requesting removal based on the fact that they failed to validate debt and the statute of limitations had expired. No response from Portfolio to date.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC has been harassing me for a debit that does n't belong to me for about 2 years. The debit belongs to my father and we have the same name. I made it clear to them that I am the wrong person they have been calling. XXXX time I asked for the last XXXX numbers of the social to verify that it was n't me. The person was very rude and refused and was persistent in trying to make me pay the bill. The next time they called I asked them to verify the last XXXX numbers of the social which belong to my father. I made it clear I am not the person they are looking for and to stop calling me or sending me letters under the fair credit reporting act. They keep sending me statements requesting payment. I submitted a letter to them exercising my rights under the fair credit reporting act to stop contacting me. Ever since I submitted the letter they have submitted XXXX statements still requesting payment.
Consumer complaint received 2015-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (DE)

In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax is not allowing other entities to view my credit file when I try to gain credit. I can not view my credit file on XXXX XXXX, XXXX, myfico, etc. When I go to view my credit report, I can only see my XXXX  and XXXX  reports, not Equifax.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Basically my credit cards have been paid to XXXX dollars for the past month and they have yet to update on my credit report. This was done purposefully and they never update the balaces correctly on credit cards or my other accounts. These accounts are off by hundreds of dollars.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since XXXX claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that XXXX STOP report incorrect information to the credit bureaus. XXXX can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.