davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

On XX/XX/XXXX we were notified that a parcel of land, that we own, had not had the taxes paid for since we bought it, XX/XX/XXXX, therefore it will be sold in a tax sale, as of XX/XX/XXXX. We notified our mortgage company, National Star/Mr Cooper. We were informed that it would be immediately correctly and not to worry. We have been working with XXXX County Treasurer 's office ( in Indiana ) to correct the situation, however, Mr Cooper has been fighting against us to pay the taxes, even though we have an escrow account established, from day one of the loan. We have tried, weekly, to resolve this issue to no avail. Mr Cooper refuses to cooperate in any corrections. My husband is a XXXX veteran who has NEVER missed a payment, never had a late payment, and here we are on the verge of losing our home in 7 days. They are taking monies out of our account and NOT paying the taxes. We are angry and scared that we are losing everything that we worked so hard to get, all because a company, that was trusted, is destroying it. My husband suffers from XXXX and this situation has put him in a tailspin. Please help us.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (WI)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NV)

I have been disputing a final billing with XXXX cable since XX/XX/XXXX. I have called them on several occasions to request my last few bills from them to verify no equipment charges are still on they account and they only send me the final bill. I called and they tell me i have to log into a non existent account to access the bill. Then i explain i dont have equipment or an account and there is still no help. They received their equipment on XX/XX/XXXX and the final bill from XX/XX/XXXX has a credit of XXXX but that is for service not for the equipment they collected on XX/XX/XXXX. I need to see the last 3 bills to verify what is owed. I have called them and they constantly sending to new collection agencies but not sending my the last few bills that i have requested. Lastly, I have not received any written notices from the collection company diversified consultants inc.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The CBE Group, Inc. (AZ)

There is a " Derogatory Remark '' on my credit report. It is from a collection agency, CBE Group. From my research on the internet, it appears to be a debt originating with XXXX XXXX XXXX. 

This is not my account. I haven't had an account with XXXX XXXX XXXX since XXXX. 
I didn't have an outstanding bill, and it was an account closed 12 years ago. 
On the credit report is says the account was opened XXXX. 

I disputed this debt, through XXXX XXXX. I told them this is not my account. I checked my XXXX XXXX report today. Derogatory Remark remains, with the remark : " Account information disputed by consumer, meets FCRA requirements ''. Apparently, that just means that it was verified that CBE bought this account for collection. 

It is not mine. I want this removed from credit report.
Consumer complaint received 2018-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Collection Consultants of California (CA)

How can the hospital and credit collection agency charge exorbitant amount for a XXXX XXXX XXXX, submit a collection and charge off to my credit bureau without ever email me a bill in my name? The cash price at the hospital for treating this was quoted to us as {$100.00}. Original bill was {$740.00}, now trying to collect over {$1600.00} ( 227 % of original bill )? Seems unfair and violation of the fair credit reporting act! 

RE : XXXX XXXX XXXX XXXX Account # XXXX For XXXX XXXX performed on XXXX XXXX XXXX on XXXX XXXX was a minor at the time of service Debt Assigned to : Collection Consultants of California Reference # XXXX To whom it may concern, We would like to resolve this medical bill and have it removed from our credit report issued as a collection and charge off to XXXX XXXX and later in late XXXX to me, XXXX XXXX. 

Our son XXXX was XXXX XXXX XXXX XXXX during a basketball game in XXXX, CA on XX/XX/XXXX. 
His cut was under XXXX XXXX below his XXXX and less than an XXXX in length. We took him to the closest hospital after his game to see if he needed XXXX. At the time of this service, we were asked if we wanted to pay cash {$100.00} or if we wanted to bill it to our insurance. We gave our insurance card and also paid the {$100.00} which was most likely for the deductible for insurance. 

The cut required no XXXX, it was wiped clean, dressed with derma-bond ( glue ) and dressed with a butterfly band aid. No further medical attention was given. 

We were shocked to receive a bill for an additional {$740.00} dollars and to see that our XXXX XXXX insurance was also billed for {$650.00}. We called the hospital several times to see if we could get the bill lowered and were expecting to be notified via mail that there would be a substantial discount. Instead, the bill was sent to the above mentioned collection agency for {$790.00} and then subsequently raised to {$1100.00}. 

On XX/XX/XXXX, I called the above collection agency and they stated with interest, it would now be {$1600.00} to have it removed from our credit report. 

We would like to ask that this bill either be : 1 ) Credited 100 % and removed from our credit report since there was already {$750.00} paid in total to the hospital in XXXX. 

or 2 ) Substantially reduced to a small amount for us to pay and have it removed from our credit report. 

To help resolve this issue we are also copying : XXXX XXXX XXXX XXXX XXXX California Medical Association - Institute for Medical Quality > Consumer Finance Protection Bureau > Medical Billing  Advocates of America > The Joint Commission > The Medical Board of California > California Insurance Commissioner Hopefully we can resolve this quickly. Thank you. 

Best Regards, XXXX XXXX - Father of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting.

Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also all of these wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB (CA)

To whom it may concern, I received a notification from my credit monitoring service that I had a negative account reflecting on my credit report. So after I inquired further, I noticed this account from State Farm Bank. I never opened nor applied for this account. I contacted the Bank  and the credit bureau 's and neither of them wanted to help assist me with this issue. I filled the necessary police report and FTC report with the credit bureau 's and still nothing changed, so now I'm seeking your assistance.
Consumer complaint received 2020-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (FL)

I've been trying to pay the loan for weeks. At every turn a new issue arises and they ignore my complaints or take weeks to reply. I'm trying to pay the FULL BALANCE TO GET this experience over with. 

No way to contact them other then email. Leaving a voice mail at their XXXX   contact number states that I'll receive a call back within 3 business days, LIES! 

I've been in talks with XXXX XXXX & with XXXX Absolutely no help at all.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have had a Sears credit card for over 30 years. I recently found out that Sears had sent me at least two new Mastercards under their Citibank ShopYourWay Credit Card program when I got a bill for {$650.00} on a card that I did not request or received. Now after logging in to my Sears account, I found out from letters stored in the inbox that in XXXX, they sent a notice that the old Sears accounts were being migrated into new Mastercard ShopYourWay Credit Card accounts through Citibank and that these cards can be used at Sears and other stores where the old cards could only be used at Sears. I did not get the card, or it I did, did not recognize it and cut it up. In XXXX, another letter was put in my inbox that said that since I did not activate the new card, they were closing that account and sending me another card with another new number. It is that card that was used by someone on XX/XX/2019 at XXXX in XXXX, MA. I have reported this to Sears -- they are doing a fraud investigation but keep giving me different dates of completion. And they now have sent me yet another Mastercard and transferred the disputed balance to that new account that I did not request or want. In fact, I have asked them to close all accounts including the original Sears card account which was still open and active ( XXXX balance ). So now they moved the disputed balance back to the card where the charge was made but have left a {$39.00} late charge on the newest account -- even though I never activated it. I only ever activated or used the original Sears card account and have not used it for several years and had a XXXX balance for years. Citibank is issuing these cards without me requesting them, and allowed a charge on one that had never been activated, and continues to not close accounts I asked to be closed, to charge late charges, and to open yet another new account. They have caused me to be an identity theft victim, they have caused my credit score which was very high, to fall 15 points, and I keep having to contact them and they give me false information.
Consumer complaint received 2020-07-06
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: WELLS FARGO & COMPANY (GA)

I am completely dissatisfied with these companies called Wells Fargo Card Services and XXXX. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC (AZ)

My social security number is XXXX. Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00} for two accounts. I appreciate Jefferson Capital Systems originally XXXX XXXX XXXX  accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

To make this short, Wells Fargo has changed the order in which a posting transaction was made on my account to charge excessive overdraft fees. And they charge overdraft fees on accounts that have items that are pending, that cause the system to think there is no money in the account, and charge a fee per item. When the pending items post it changes the account balance which gives the account a positive balance that would have reflected on the account when the items posted. Which in turn wouldn't trigger a XXXX  account balance, in turn that wouldn't have triggered the overdraft fees. And when you try to reach an intake specialist in the executive office, they never take calls. They put you in a que. What happened to customer service!?
Consumer complaint received 2018-03-21
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: SYNCHRONY FINANCIAL (CA)

Walmart credit card, by Synchrony Creitor, was stolen and used multiple times for purchases and cash back and I was made aware of suspected fraud through a courtesy email sent by Walmart. Upon checking my account in early XX/XX/XXXX, I became aware that my card had been stolen among other things on XX/XX/XXXX. I reported fraud to Walmart, they clarified the fraud, but never removed the amount due from fraud. I disputed error when notated on credit report, but results were marked with Accurate, and still remains a valid error on my account causing harm to my credit score.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$33000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$9600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-19
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. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (DC)

Dear Navy Federal Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX Credit Card Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to XXXX and XXXX credit bureaus. Pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national XXXX XXXX XXXX XXXX, including XXXX, XXXX and XXXX, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with XXXX and XXXX on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is XXXX
Consumer complaint received 2019-12-19
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. (SC)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT AND HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT.. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED EXTREME HARDSHIP, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PURGED OFF MY CREDIT REPORT.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS.

I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse.

I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report.

I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!
Consumer complaint received 2024-09-01
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. (NV)

As per my written request of XX/XX/year>, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RCS XXXX
Consumer complaint received 2024-09-01
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. (IL)

I am writing to officially dispute hard inquiries that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry See attached documentation