davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither XXXX, Equifax or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither XXXX, Equifax nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.
Consumer complaint received 2018-07-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBM Services, Inc. (MI)

I sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OH)

Acct XXXX My used XXXX XXXX XXXX, that I bought in XX/XX/XXXX, financed by Wells Fargo Dealer Services ( sold by XXXX XXXX XXXX, XXXX, OH ) was totaled on XX/XX/XXXX, in an accident. I have no car now. From the day I purchased this used car, I have already paid {$8900.00} till XX/XX/XXXX to Wells Fargo in down payment and monthly payments. My auto Insurance, XXXX paid Wells Fargo {$5800.00} and GAP insurance from XXXX paid Wells Fargo another {$4000.00} So, Wells Fargo has received now a total of {$19000.00} for a car valued at {$880.00} Wells Fargo owes me {$5300.00} in over payments ... .but when I requested that amount to be paid to me ... I got a shock when THEY want more money from me for crying out loud ' Sadly, Wells Fargo wants me to pay them another {$1100.00} for some trumped up bogus charges. I know it is Fraud because the car was valued at {$9800.00} and Wells Fargo received about twice or more than that .... BEFORE EVEN THE CONTRACT WAS OVER. THIS IS FRAUDULENT BUSINESS PRACTICE BY THIS GREEDY COMPANY. I AM RETIRED AND ON SOCIAL SECURITY. I AM AGHAST and devastated AT THEIR DISHONEST BUSINESS PRACTICES. WHO WOULD HELP ME? WILL YOU? Wells Fargo twists facts and muddles figures as needed for their nefarious and evil business agendas and engage in unlawful activities to exhort money from American citizens at the heavy cost to the plain truth. Even today, the media broadcast the news where this company defrauded millions of customers regarding the auto insurance. Fraudulent business practices is in its ' blood. FACTS. Wells Fargo received a total of {$20000.00} ( approx ). from me, for a XXXX used vehicle worth {$8900.00} 4 years before it was supposed to have received the money. It is collecting compound interest and will keep on accruing on it for the next 4 years. Still it is trying to twist figures through high profile crooked accountants in its employ and trying to BLACKMAIL the consumer ( me ) into arm twisting for MORE MONEY. This is illegal and this company 's employees involved in this charade must be punished to the full extent of the law.
Consumer complaint received 2020-05-23
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: Home Loan Center, Inc. (WA)

I am reporting deceptive business practices in regards to viewing mortgage loan rates/offers on Lending Tree. 

On XX/XX/2020 I used Lending Tree to check current mortgage loan rates. Their website clearly stated " Don't worry, this loan request will not affect your credit score. '' immediately below their " View my offers '' button. ( See attached screenshot. ) On XX/XX/2020 a hard pull was made on my credit and my credit score went down by 6 points. I contacted Lending Tree via their website. Their reply was a wall of legal jargon. According to them, their fine print contradicts what is clearly stated just below the button that is used to submit your request on their website. 

It is extremely deceptive to clearly state " Don't worry, this loan request will not affect your credit score. '' and then have no intention of making this the case and apparently have other contradictory language buried in fine print and legal mumbo jumbo. 

Their intention is to obfuscate what they are actually doing in regards to whether the credit pull is a hard pull or a soft pull. Without the statement " Don't worry, this loan request will not affect your credit score. '' I would not have clicked the button above it to initiate use of this service to check on current mortgage rates. I did not want to have a hard pull on my credit, which always has an affect on your credit score and stays on your credit report for 2 years. Very deceptive company practice.
Consumer complaint received 2020-11-23
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. (NJ)

In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. EQUIFAX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on EQUIFAX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image XXXX XXXX is the non working Equifax online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and XXXX XXXX as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.
Consumer complaint received 2023-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I submitted XXXX on XX/XX/XXXX for 3 employers. On XX/XX/XXXX I received a letter saying that 2 of my employers had been certified. I did not receive any information on my 3rd employer ( XXXX XXXX XXXX XXXX. All 3 ECF 's were submitted and received as one PDF so they all should have been reviewed/approved. I called on XX/XX/XXXX and asked about the 3rd ECF. They said that it was reviewed and denied on XX/XX/XXXX which was when account was tied up in consolidation so it caused an issue. She said that she saw no issues with the ECF and would put in for review within XXXX business days. I waited XXXX business days as well as 90 business days from original submission on XX/XX/XXXX and have not received any information on this ECF ( including information when it was denied on XX/XX/XXXX ). This was my longest employer and would have ensured employment verification for PSLF. It appears that MOHELA did this as a delay tactic to delay forgiveness.
Consumer complaint received 2017-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc. (CA)

After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to XXXX XXXX XXXX ( XXXX ) and asks for {$370.00} as the amount due. My last business transaction with XXXX ended in XX/XX/XXXX with an auto lease termination and all charges paid in full ; no further communication from XXXX was received after that. I called XXXX on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The XXXX agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute. In my mind this is an attempt by SRA to extract money from me for a bogus debt. Watch out for communication from SRA and do your homework to verify that the alleged debt is real. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.
Consumer complaint received 2017-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (HI)

Wells Fargo entered into a loan agreement with me in the county of XXXX XXXX at their XXXX XXXX branch in 1996. I paid my loan religiously and in the last year of the auto loan wells fargo reposesed my truck and auctioned it off. The truck loan was around {$15000.00}, and I had paid off more than {$12000.00} when they reposessed it. I never missed a payment, contact with wells fargo after that was obsolete, they would not talk or work with me or honor their agreement.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (LA)

This XXXX XXXX debt was never mine as I have NEVER lived in XXXX over the age of XXXX, never applied for credit, nor service from that company. Additionally, I made this known as suspected identity theft and the item was REMOVED from my credit report. However, it has been re-added saying that it is an open account as of XX/XX/XXXX.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AR)

Today I answered a spoofed number that has been harassing me. They claimed they were the CBE agency and they've called me 5 times in four days during work. I asked what it was for and they said it was for XXXX, I wasn't aware I owed anything. The rep XXXX XXXX stated they sent me over 5 letters so I asked for dates they weren't sent.She then stated it got sold to them and they sold it to another company. I asked for the address to the company so i could send a validation letter she wouldn't give me one. I then asked why isn't another company contacting me if they sold them the debt she couldn't answer. She stated she couldn't give me dates sent but they were sent multiple times. I asked to speak to the supervisor who the rep stated was XXXX XXXX. The supervisor got on the phone and she stated today was the first time they contacted me and they also have a address which they gave me as XXXX XXXX XXXX XXXX, IA i XXXX  it and I'm not sure if that's even correct. I was never sent anything before. They couldn't even tell me what it was for only it was from XXXX. It doesn't make sense because it's all conflicting info, and I expected to get answers but just got a hard time. 

They've called me XX/XX/2019, XX/XX/2019, XX/XX/2019 and twice today the XX/XX/2019. They didn't leave any messages and according to XXXX they've called many more times.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (FL)

I submitted two written request for incorrect reported items on my credit report with Equifax and XXXX. I take my credit very seriously and I submitted a second written request to Equifax XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX in the amount of {$2100.00}. I also submitted a written request to XXXX requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both XXXX and Equifax.
Consumer complaint received 2018-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (OH)

Original Instrument # XXXX dated XX/XX/XXXX was modified on XX/XX/XXXX by Ditech. During modification the instrument number was recorded incorrectly by one number # XXXX. When this lien was paid in full the wrong instrument number was released. I have provided property reports and documentation from the XXXX County Recorders Office several times showing the lien was still in place. I have been in contact with Ditech since beginning of XXXX with XXXX resolution and no contact names will be given. I have attached several correspondence emails and documentation to get this resolved. Letters from Ditech dated XX/XX/XXXX shows they are working on the issue and I received another from XX/XX/XXXX not resolved. I spoke to XXXX, XXXX, XXXX, and XXXX who was supposedly a supervisor. I also emailed information directly to the lien department with no response.
Consumer complaint received 2017-08-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX  XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (CA)

IC Systems reports that I owe XXXX {$100.00} and this acct was opened on XX/XX/XXXX. This is simply not true. I never opened up a XXXX account last year or the year before that. I did have a XXXX acct in XX/XX/XXXX but that was nine years ago. I have sent them several letters via US Post demanding they either produce evidence that I did open an acct in XX/XX/XXXX or remove this inaccurate information. They simply do n't respond or write back, and every month they keep reporting this. Please help me
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (IN)

I have received a collection notice for {$110.00} from Tate & Kirlin Associates Inc. of XXXX, PA. The Current Creditor Listed is XXXX XXXX. Reference # XXXX. The notice is dated XXXX XXXX XXXX, and was received on XX/XX/XXXX. 

I have received calls alleging tht I owe for a " XXXX XXXX, '' which I had never requested, nor received, nor has anyone else in my household. I have no record of any contract with this company, nor have they provided one. I also had never received an invoice, " past due '' notice or even an email. The collection notice was the first and only mail I have received.

The closest thing that I have received is a Fraud Alert from XXXX XXXX  on XX/XX/XXXX. 
Below is a copy of that alert, name and card number redacted : -- -- -- -- -- -- - Action Needed : Please confirm activity XXXX  Fraud Protection Services : XXXX debit or ATM card ending in [ # # # # ] [ name ] Did you or someone you authorized use your XXXX  debit or ATM card for : A transaction of {$110.00} that was declined at a subscription merchant INTRAPOWERBREAKTHROUGH in XXXX, CA XXXX on XX/XX/XXXX -- -- -- -- -- -- -- Aditionally, cursory Internet research indicates less-than-exemplary reputations, with a number of claims of unethical, possibly illegal activities against them. I am not qualified to make such a judgment, but it seems prudent to proceed with caution! 

All this leads me to believe that an attempt to perpetrate fraud is being attempted. Your attention to this is greatly appreciated!
Consumer complaint received 2017-08-11
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: DriveTime (CA)

DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ XXXX.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (PA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.