davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

On XXXX/XXXX/XXXX I Disputed All accounts ... XXXX XXXX XXXX XXXX On which they RECIEVED XXXX/XXXX/XXXX and they did not list account # XXXX and XXXX in dispute! XXXX see XXXX XXXX ] They responded with an itemized statement and MAINTENANCE ORDER WITH ONLY ONE XXXX # XXXX listed when they clearly have four listed on my credit file The XXXX # XXXX is also inconsistent with their account number found on my credit report. 
IT list an original creditor with no contact details, and two exact ACCOUNT numbers with different amounts. These amounts are also inconsistent with the amounts found on my credit report under their tradeline. 
On there maintenance order that XXXX PROVIDED IT CLEARLY SHOWS NO BALANCE DUE AS OF XXXX - XXXX, SO I 'M CONFUSE AS TO WHY XXXX IS PRACTICING EXTORTION, FORCING ME TO PAY DEBTS that are already paid, with no CONTRACTUAL agreement bearing my signature. In the maintenance order Credits are being applied to the orginal alleged debts by creditor until XXXX balance and XXXX is also making payments themselves to the alleged debts found on my creditreport. 
They have made payments on two of their accounts # XXXX, XXXX and paid off the other two accounts # XXXX, XXXX for unknown reasons. 
They also are reporting multiple debts with the same open date, same delinquency date, and same REMOVAL date They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have i ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open,
Consumer complaint received 2017-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TX)

FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX Fox Collection Center reports to have a collection account dated XXXX in the amount of {$160.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2018-04-03
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. (NY)

XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Last year as I was starting a new job, I was forced to sign up for automatic deposit. After giving my employer the account number and bank information, I thought I would be able to access my money on the date I was paid. 
Due to an error with the routing number, the funds were not made available to me. However, when calling to check what the issue was, I found that they had already accepted the funds but they just wouldnt make them available for me. So I couldnt ask my employer to send me my check again with the correct account because as far as my employer knows, I was already paid. 
Adding insult to injury, my account had just gone negative and I was charged an overdraft fee. This wouldnt have happened if they had moved the funds appropriately. 
To make matters worse, I was tossed around from department to department while calling chase about it until they closed on that Friday. 
I was not able to get my paycheck until that Tuesday at which point I had been harassed by the bank over the overdraft fee.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I have an account with XXXX XXXX through Comenity bank. I was making my payments regularly until about XXXX of this year. I feel behind and I have not used the charge card in well over two years. I thought the best option would be to close the account to allow me to make payments and catch up without the late fees and interest charges, that amounted to nearly {$100.00} a month outside of the regular payments. My account was closed per my request in XXXX, however I still continue to have interest fees and late fees added to my account. My current payment is {$320.00} because of it and in the last two months because the interest fees and late fees, my balance is {$400.00} more than it was when I closed my account. How could this be legal? I believe Comenity bank is milking me for money. I emailed the company on XX/XX/XXXX and again on XX/XX/XXXX to let them know I intend to pay the account off but the fees need to stop because my account is closed. How will I ever catch up with the payments being doubled and tripled? Their response was " we are sorry your having problems, call the office ''. So I called and was told that the interest would continue to climb and that the payments I was making was not enough to make a difference. Please help
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The three credit report bureaus keep saying that my score is lower than it should be because of a delinquent payment. They cite a 30 day missed payment in XXXX to XXXX XXXX. This is inaccurate. XXXX has no record of it a missed payment. I would like this off my account so it is not affecting my score.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to demand the immediate removal of all fraud alerts, fraud notations, and any other related items associated with my credit profile. These alerts were either incorrectly applied or are no longer valid and must be removed from my credit report and profile immediately.
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I reviewed my credit report and found that my credit score had dropped by over XXXX points due to a delinquent XXXXXXXX XXXX with XXXX XXXX. I took out this loan in fall XXXX and have received no correspondence or notices with respect to this loan since taking it out. The only email I have is dated XXXX XXXX, XXXX, and it notes that I signed the promissory note for my XXXX XXXX. No further mailings or emails were sent to me, including when the loan became payable in XXXX XXXX. I do n't think this is acceptable given that I was a student at XXXX and had ( and still have ) a working XXXX email address that they could have reached me at at any time. 

The XXXX XXXX XXXX website XXXX XXXX XXXX XXXX ) notes that after leaving school, I should expect to receive important information about repayment toward the end of my XXXX grace period. I did not receive any such information, though they inform me that they had my New York mailing address at the time. The website further notes that in XXXX XXXX, the loan servicer changed and is now XXXX I also did not receive any notice of this change. 

I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and after being transferred twice and being put on hold for about XXXX minutes, I spoke with a representative of the billing department, XXXX XXXX, who informed me that XXXX can not do anything regarding credit reporting, and that I should speak with the loan servicerXXXX XXXX I then spoke with XXXX ( where I was put on hold for XXXX minutes ) and they informed me that they did not do any negative reporting on me. The negative reporting was done by the prior servicer, XXXX. They recommended that I reach out to XXXX. I do n't yet have XXXX 's contact information and have asked XXXX for this information. I will certainly reach out when I have the appropriate contact, but I strongly suspect that they will tell me they can not do anything because they no longer service the loan. I have googled XXXX and can not find a legitimate looking website for them, and I also see that they have made settlement payments due to poor student loan practices in the past. 

As a sidenote, the credit report notes a phone number for XXXX, the lender, and this phone number is disconnected. Further, there is no phone number on XXXX 's websites for billing-related questions, and it was only after strenuous objections that I was able to speak with a person today. Rather, the default operator response is to direct me to email the listed email address. Both the operator and the billing department representative I spoke to told me they could not give me a phone number, and instead would have to email the address. 

I am now up-to-date on my payments and will continue making timely payments going forward. Given that XXXX and XXXX refuse to assist, and I can not get in touch with XXXX and have never been in touch with them, I am at a loss for what my options are right now.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I have a {$90000.00} advancing line of credit with Wells Fargo Bank that I have advanced {$90000.00} against it. The bank has offered me a payment assist option to get it paid off in 5 years at 1 % interest. Payment would be {$1500.00} per month and I would be paid off in 5 years, but I could only make payments against it and I couldn't borrow against the note. I like the deal but I can not make payments of {$1500.00} per month so I offered to do the deal at {$780.00} per month for 10 years.Wells Fargo refused to go 10 years on the payment schedule saying they can't do it but they never responded as to why they could not do it. To me it is basically the same deal, with only the time and payment amounts being different. I am XXXX XXXX XXXX and have XXXX XXXX XXXX. I have been a customer of the bank for over 50 years and never had a problem with them until now. Why won't they do the deal I have proposed? I have talked with over 20 people at the bank from Payment Assist to Executive Department and met with personal bankers and loan officer face to face and have not made any progress. They just refer me to someone else who will not help me.
Consumer complaint received 2018-04-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Pacific Union Financial, LLC (PA)

I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.
Consumer complaint received 2017-09-24
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. (ND)

I have a XXXX account listed on my XXXX XXXX, Equifax and XXXX credit report that opened on XXXX XXXX, XXXX and was lost/stolen. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my Equifax and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX/XXXX XX/XX/XXXX. I XXXX XXXX, Equifax and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America and asked to close my savings account. They refused and instead made me book an appointment to close it at their location the next day. So I show up and I am straight forward. I tell them to close my account because I don't trust their bank since they've charged me upwards of {$300.00} for random " overages '' or " fees ''. 

They refused to close my account, even after I settled the debts and my account was no longer in the negative. 
Now they charged me again, this time {$30.00}. for " account service ''. So my account isn't closed and yet again I'm in the negative. 

Bank of America is a fraud.
Consumer complaint received 2017-09-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The collection account ( XXXX - XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (NC)

bought a bed from conn 's XXXX and have made all payments and in XXXX. of XXXX called them to make a payment and i knew i did not have a large balance so while making the payment i ask what the pay off was. they said XXXX owed so i called at the end of that week to pay off balance. about six months later starting getting calls saying i owed XXXX dollars and now it has gone through the roof. i told them to play and give me a copy of the phone recording but would not then i ask them for a copy of all payments would not give me that info. they keep calling i told them ( no lie 100 times to stop calling i had to change my numbers and they keep finding me harrising me for payment. tried to find the owner of the company but no one will give me the info. do i need to get an attorney and sue them for this. because this collecting has gone to far they even put it on my credit and damaged it
Consumer complaint received 2017-09-24
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. (TX)

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX However, once transferred to XXXX in XX/XX/XXXX, they started their account history inXX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXX was invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding Equifax delete this credit line if XXXX ca n't prove they are legally required to report it.