davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (TN)

On XX/XX/XXXX, I established a payment plan with Phoenix Financial Services for a debt that was owed to XXXX XXXX XXXX. My payments were set up to automatically withdraw from my checking account on the XXXX day of each month for 12 months. On XX/XX/XXXX, I received 2 calls from Phoenix Financial. I called them back and spoke with XXXX XXXX who asked me if I wanted to take care of my balance. I explained to her that I had set up a payment plan and she asks me if I want to set up a payment plan with her. I told her no I already had a payment plan set up. My first payment was taken out XXXX and I received a call from Phoenix Financial on XXXX and two additional calls XXXX. When I called back, I was transferred to XXXX XXXX who asked me if I wanted to set up a payment plan again and proceeds to ask me if I can pay the full balance. Why is this rep calling and asking me for the full balance when I have already set up a payment plan and you all have already taken a payment out of my account? And why does she keep asking me to set a payment plan up with her when I already have a payment plan established. You all need to stop calling me. At this point you are harassing me and it is unacceptable. I have set the payment plan up for what I can afford each month. I can not pay more than that. Please stop calling me.
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I checked my Chase Bank Military Checking Account and Notice a {$340.00} deducted from my checking account in which there was only {$83.00} in my account. 
I made contact with IRS Tax advocate Ms.XXXX on my payment modification of {$180.00} a month in which is under review by IRS Administration. 
Payments of {$340.00} shouldn't have been deducted on XX/XX/2019 and overdraft fees shouldn't have been implemented. 
IRS Tax Advocate is working on my behalf on IRS Payment arrangements of {$180.00}. 
She can be reached art XXXX. 

Once IRS agrees on payment modification of {$180.00} than funds will be available on my Checking account.ending # XXXX, on XX/XX/2019. 
I am XXXX XXXX and Retired. 
I am on a fixed income. 
Very Extreme Urgent Matters!
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (MI)

Received a letter from Golden Valley lending of XXXX XXXX XXXX California stating that I had taken out a loan and that said loan was in default and that I needed to make a payment or they would turn it over to collection. They also claim that they had sent other letters to me that I ignored Letter also stated that if I didnt contact them within 30 days they would consider this loan as valid. After numerous attempts to resolve this issue without disclosing my personal information I feel I must turn to you for help. I dont feel that I should reveal my social security number to a company that Ive never heard of let alone done business with
Consumer complaint received 2019-09-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NC)

On XX/XX/XXXX I tried to make a payment of {$1000.00} on my NJClass ( HESAA ) loan. At the time I did not realize that I had two bank account profiles one being my joint and the other which I always use. The payment went to the joint instead of the correct account and I noticed this because the payment was still in my account so once I recognized this I logged on to NJClass and deleted the incorrect bank profile and resubmitted to the correct account. I noticed the money was still in my account so I logged on again and saw that my payment privileges have been revoked. So I called to try to pay and was told I cant make a payment over the phone and would have to appeal to have my payment options reinstated. I emailed them and havent gotten a response back. Meanwhile my loans are collecting interest with NO possible way for me to make a payment. Ive been paying on these loans since XXXX. I have paid off several loans 3 of  them were paid off this year and two totaling XXXX were paid off in XXXX. They are collecting interest and not allowing me to pay my loans.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (PA)

i have filed disputes with XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2020-12-22
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. (PA)

i have filed disputes with XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Everyday for almost 2 weeks I have called TransUnion to request that all non medical collections accounts in dispute status by myself, to have my dispute removed. Everyday they say it is done. The next day I call to confirm just before the lender pulls my credit and low and behold the disputes are still there. New inquiry old dispute. I call again. Repeat this cycle for 2 weeks. My score has dropped double digits during this time only with Transunion. I am begging for help. Im so unsure as to what I need to do to be successful with TransUnion.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (TX)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-22
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. (PA)

i have filed disputes with XXXX XXXX XXXX  and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (FL)

A COMPANY TOOK MY HOUSE WAS FRAUDULENTLY IN 2006. I THOUGHT I WAS TAKING A LOAN OUT OF HOUSE TO HELP DAUGHTER OUT OF FORECLOSURE BUT INSTEAD THEY TOOK OUT XXXX. BEEN BEHIND EVER SINCE.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-01-04
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: Consolidated Information Services Solutions, LLC (GA)

I have already 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. This is unacceptable! Please fix this.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (SC)

I leased a XXXX XXXX XXXX from J.D. Byrider in XXXX of XXXX and had this vehicle until XXXX of XXXX. I paid all of {$380.00} monthly payments on time every month and I brought this vehicle to their service department 10 plus times for them to fix because it kept turning off on me, they couldn't figure out what was wrong with it so I and my financial manager at XXXX came to an verbal agreement that I would return the vehicle to them. They then offered me a {$500.00} settlement in XXXX of XXXX but then they retracted and said that I had to pay the full {$9000.00} that was owed on the vehicle. I've reached out to the manager and asked him how can we get this resolved and get this removed from my credit report but he just hung up on me. They are reporting every month twice a month on my credit report this repossession but refusing to rectify this bill so that I can have this removed ftom my credit report.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (KS)

I have a a loan with New Rez. I have set up a auto payment with XXXX XXXXXXXX XXXX. 

1 ) The payment comes out on XXXX of the month 2 ) In month of XX/XX/2021 since XXXX and XXXX were Saturday & Sunday respectively the payment was made by XXXX on XXXX XX/XX/XXXX3 ) NewRez systems did not recognize this payment. The marked XXXX late 4 ) We called them and informed them of the issue when we became aware. They requested documentation what we provided 5 ) The applied the payment in XXXX towards XXXX rent but reported late to the credit bureau. They also increased our principal payments and fines etc.

6 ) We talked to them on several occasions. First a lot of representatives are impolite and would not like to talk, hanging the phone.

7 ) We send a letter from our XXXX after they were not ready to talk 8 ) I called them on XX/XX/XXXX and they said that I should upload all the documents through website since they do not have any other way. I went on the website but was not able to find any place to upload the documents 9 ) They have not responded to my attorney. My attorney recommended that I should contact your esteemed office PRAYER I WORK FOR XXXX XXXX XXXX AND I NEED TO HAVE A VERY GOOD HISTORY FROM EVERY ANGLE TO BE AN EXAMPLARY EMPLOYEE. THIS ISSUE HAS CAUSED A LOT OF AGONY AND FINANCIAL IMPACT ON ME INCLUDING REFINANCE our refinance has been denied because of this reason. NewRez contacted us in XXXX to refinance but we refused. Looks like they are penalizing us for it and are sending weird reports to Consumer protection. We have paid them a lot of extra money and still not been able to resolve this issue.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

In XXXX of 2021 I transferred funds into my Wells Fargo account to make a payment on my auto loan ( the final payment ) with Wells Fargo Dealer Services. I then made the payment. Wells Fargo reversed the payment and reported my account as 30 days past due. Their action resulted in my XXXX score dropping from XXXX to XXXX. I am now unable to get a mortgage for a home I am trying to purchase.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

They deferred the behind payments which was too much! I was never XXXX behind. Plus, they added an extension on to the modification without my knowledge. Also, there are a lot of fees that I am unaware. The escrow amount I am unaware of as well. They just keep adding fees and I need this investigated. They sent me a copy of some investors that supposedly own the property. I pay my mortgage to them and have never seen the names listed.
Consumer complaint received 2022-09-26
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-22
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. (PA)

i have filed disputes with XXXX XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2022-09-21
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)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-12-22
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: TRUIST FINANCIAL CORPORATION (OH)

I was denied for a home refinance loan this summer because of a negative item on my credit report from BB & T. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of BB & T. Until that point, we had never even heard of BB & T. 

I have tried calling BB & T multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with XXXX XXXX, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by XXXX XXXX also. This was before talking to BB & T.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020