davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Re : XXXX Account # XXXX, The purpose of this complaint serves to herald certain business practices enacted by XXXX XXXX which have conspired to detrimentally affect my credit and has caused me irreparable harm. On or about XX/XX/XXXX, I applied for a new mortgage with XXXX XXXX XXXX. Upon completion of the review process, the lender contacted XXXX XXXX to request a payoff. Upon receiving the request XXXX XXXX advised me that it may to up to 5 days to receive the payoff. Furthermore, XXXX XXXX acknowledged that I was not late and had not been so on a recorded line and payoff was good until XX/XX/XXXX. However, while in underwriting with the new lender, XXXX XXXX reported inaccurately and earlier than scheduled negative/late reporting. This is not the first time since XX/XX/XXXX, I made a double payment and they counted as one payment and every month after that they reported me 30 days late. Due to this issue I have experience such a hard time in life especially the past few months with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but they have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and sending mail weekly. They've called everyone in my life which is very humiliating. This has brought on a lot of mental issues to the point I'm having difficulties all for an account with inaccurate reportings. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue or apply a lien to the business, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have the negative reports on my account removed from my credit report.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE
Consumer complaint received 2019-01-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. 
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX   XXXX XXXX XXXX Mortgage Backed Notes. 
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes. 
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me. 
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing. 
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on. 
I have spoken to XXXX XXXX  and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me. 
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.
Consumer complaint received 2019-01-15
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. (SC)

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called Experian and XXXX  and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Messerli & Kramer P.A. (MN)

On XX/XX/XXXX Messerli Kramer ( MK ) sent a me a garnishment notice and started to garnish my wages. It was not until 45 day 's later that I learned that MK was suppose to include in their Garnishment notice an " Exemption Notice '' which would have informed me of my rights and I would have been exempt from the garnishment. By law garnishments must include an Exemption Notice, theirs did not. On XX/XX/2019 I faxed MK an exemption notice. They are still garnishing my wages even though I have legally notified them of my exemption.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (NY)

I am XXXX from a car accident from a long time ago. I had a XXXX XXXX that needed XXXX. that XXXX left me XXXX. As a result I fell behind on My Bills and went into default on my credit cards AMEX is one of them. On XX/XX/XXXX. XXXX American Express Bank got a Judgment against me. 
In XX/XX/XXXX I was forced to file bankruptcy as my home is also in foreclosure. That Bankruptcy was dismissed on XX/XX/XXXX. 
Also my mother passed away and her home is up for tax sale. I was able to sell my mothers property to pay taxes and Bills. I called the law firm for AMEX the law firm of XXXX and XXXX and spoke to XXXX XXXX XXXX. to settle the matter and get a release of Lien / Judgment. She told me that her firm does not have it any more and that the debt was transferred to XXXX XXXX XXXX XXXX at XXXX ext XXXX I spoke to a XXXX and he said I had a XXXX balance. I told him about the Judgment and that I need a release to close on my mothers property pay my back taxes and go on with my life. He said that the law firm handling this was XXXX XXXX XXXX XXXX at XXXX I spoke to XXXX XXXX he said his firm is no longer handling this and that I needed to call AMEX at XXXX and ask for a manager. I called Amex they told me to call XXXX and XXXX back the 1st attorneys I called them and they said to call back XXXX XXXX XXXX  again. I call them again left a message. Now I am writing you. This is a round robin something is wrong. Please Help Me Before I lose the buyer.
Consumer complaint received 2018-10-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted Bank of America Recast group on XX/XX/XXXX at XXXX. I was told during 12 min conversation after looking up my mortgage that a recast package would automatically be sent out to me in XX/XX/XXXX because recast was only available after 5 years on modification loan. I called BOA on XX/XX/XXXX and spoke to my mortgage rep XXXX XXXX who didnt know anything about the package. He contacted recast group over a 2 week period and gave me different stories and admitted the stories he received from recast group contradicted one another and then provided me with a XXXX tracking # for the recast package that was bogus and going to XXXX XXXX on XX/XX/XXXX. ( XXXX ) He was supposed to update me but i had to keep calling in. Each time new story on why it was delayed being sent out. I called recast after Mr XXXX stopped responding and they changed stories several times. Then on XX/XX/XXXX Mr XXXX finally accepted a call thru his coworker from me and proceeded to start the contradicting stories from earlier. I just want official documentation for application for recast or denial WITH REASON for denial. I believe this is retaliation for lawsuit about modification and settlement documents. *********No paperwork has been sent regarding recast as of XX/XX/XXXX******
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I tried disputing inaccurate accounts, delinquent accounts that has been paid on time, incorrect addresses, and unauthorized inquires with Experian for the last eight to nine months or evening longer. I Recently disputed on XX/XX/XXXX, andXXXX, XX/XX/XXXX, and XXXX of XXXX. I still didn't receive a response from my XX/XX/XXXX dispute I wrote to them. Of the Fair Credit Reporting Act, Experian has 30 days to respond or the accounts I disputed must be removed. There reporting a late payment on my XXXX account for XX/XX/XXXX, that account has never been late, I sent them proof of payment for that month, and they still didn't remove it. The proof was a written statement and a payment print out from XXXX, and they still never corrected the error. When I ask them to verify the accounts they never will send me anything in writing with my signature or contract with my name on it. Wrong/incorrect last for digits of social security XXXX is incorrect. Under The Fair Credit Reporting Act section 609, the creditor and the credit bureaus must prove that the account is mine. They never send proof. XXXX XXXX XXXX  is not my account. I asked them to send me verification and validate that this inaccurate account is mine, they would never send me validation, or verified with my signature or contract. The same with XXXX, never verify with a contract that I owe them. I would like for Experian to show proof of these inaccurate account with me bonded with a contract to these accounts or any proof of lateness. I have sent them proof, and I have not received and proof in return. I shouldn't have to prove anything, they are the ones reporting, so I need to see proof of why your reporting accounts inaccurate? Thank You
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Consumer complaint received 2018-10-14
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. (GA)

I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Experian on XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Experian several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Experian. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Experian has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Experian is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Consumer complaint received 2019-01-15
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. (SC)

So Equifax XXXX and XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (NY)

I I originally wanted deferred payments due to coroanaviris. I thought about it and it would ruin my credit. I called quickenloan to remove it and made a effort and paid my mortgage. I tried to refinance for a lower rates and they told me Quicken loan had me on deferred payments.I told them to remove that from my credit. They said they would. They did not Twiice they did this to me. 
Quicken loans has ruined my credit during this uncertain times and scary times. I have always paid my mortgage each month and been withQuicken loan for 10 years.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My mother died XXXX XX/XX/2018. On XXXX XX/XX/2018 I notified the credit card company to close the account which they agreed to asking me to submit a copy of her obituary. They said there was no need to wait for a death certificate. I complied. The outstanding balance was paid off and I believed all was complete. Her estate was due a refund of {$350.00} from XXXX XXXX and from them I requested a check. On XX/XX/2018 they deposited the refund to the Capital One credit card that I had closed on XX/XX/XXXX. Capital One accepted the deposit from XXXX XXXX. XXXX XXXX provided me a transaction number of XXXX. I called Capital One requesting a check for the amount and while they would not acknowledge the deposit they did say any money due would be refunded within 90 days. I called them twice but could not get details from them. This is the only outstanding event on my mother 's estate and I would like to be able to close her business but it has now been almost 120 days with no return of funds. I personally think they should have to include a 17 % to 25 % interest payment with the return since that is the normal interest charges for credit cards. Can you help me get this reconciled? Her account was listed as : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. The last statement I received from Capital One was dated XX/XX/2018.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I contacted wells Fargo via in reference to a charge in the amount of XXXX made on XX/XX/2018 at XXXX XXXX. I advised them that I was at the store on XX/XX/XXXX and made a charge in the amount of XXXX. I also contacted the store and they advised me it's a mistake. Wells Fargo cancelled my card and issued me a new card. However they did not issue me a temporary credit while attempting to retrieve a sales receipt. Yesterday I received a call stating that my case is closed since I had possession of my credit card. I advised them I do have posession however I was not at the store on XX/XX/XXXX. I contacted the store manager XXXX XXXX and he advised that it may be employee fraud. He reffered my cases to his loss prevention dept. I am at a loss now. Wells Fargo is refusing to help me.
Consumer complaint received 2018-10-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (WA)

Financial Assistance Inc. Account # XXXX. This company is Reporting on my credit report that I owe them {$10.00}, XXXX on XX/XX/XXXX. I do not owe this amount they are speaking of. They are connected with another company called XXXX XXXX XXXX Account # XXXX. They are reporting that I owe them {$7100.00} on XX/XX/XXXX. 

These two companies need to be thoroughly reinvestigated from top to bottom. They have ruined my credit dramatically and are trying to scam there way in through making me pay these false balances. Please help me remove these negative items from my credit report and from my life. 

Thank you
Consumer complaint received 2018-10-14
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: EQUIFAX, INC. (AR)

EVERYTIME XXXX XXXX CUSTOMER CALL FOR NEW SERVICE, EQUIFAX ALLOWS XXXX UNLIMIT HARD PULLS PER XXXX. ALSO, XXXX SELLS ALL ITS COLLECTION ACCOUNT TO UP TO 10 COLLECTION AGECIES.
Consumer complaint received 2018-10-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (IL)

XX/XX/XXXX a letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. 

XX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a " payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. 

XX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX XXXX XXXX sent me a letter certified mail I received XX/XX/2018 for the amount of {$3200.00} plus costs. they wrote " FAILURE TO COMPLY WITH THIS INFORMATION SUBPENA MAY RESULT IN YOUR ARREST AND INCARCERATION ''. I never received a court order or anything directly from the court requiring me to do anything.