davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (UT)

Phoenix Financial Services is claiming that they are collecting debt in the amount of {$2800.00} for XXXX XXXX XXXX. They claim that the original creditor is XXXX XXXX XXXX and that I incurred this debt on XX/XX/year>. I have never heard of XXXX XXXX XXXX and after some research, I have learned that this company offers medical transportation services such as ambulance or medical helicopter services. Not I nor any member of my family has ever ridden in an ambulance or medical helicopter. Additionally, neither myself or any member of my family had any medical incident of any degree at the date of service. I have been contacted via mail by Phoenix Financial Services at least XXXX times over the last year for this same debt. I am nervous about the legitimacy of this company and why they are seeking money from me for a debt that I never incurred.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and there is other late payments that are inccorect
Consumer complaint received 2024-04-16
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. (NC)

After reviewing my XXXX, Experian and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-02-27
Product: Credit 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: BARCLAYS BANK DELAWARE (AZ)

This is a formal complaint against Barclay Card XXXX, AA Advantage. 

I accidentally made too large of a payment ( the entire statement balance {$3600.00} ) in XX/XX/XXXX, leaving my new balance to be {$1300.00}. I called customer service requesting a refund in the amount of my statement balance payment of {$3600.00}. My XX/XX/XXXX statement reflects that on XX/XX/XXXX, the return of payment in the amount of {$3600.00}. It also reflects an additional NEW charge on XX/XX/XXXX from " Identity of Authorizer Unknown '' in the same amount of {$3600.00}. This error made my new balance {$8700.00}, Instead of what it should have been : {$5300.00} I called customer service and was immediately transferred to the fraud department. On XX/XX/XXXX, I received a letter of acknowledgment from the credit card company and was verbally told to not make any payments until they " figure it out. '' Now it is XX/XX/XXXX, and they have closed my account and are sending me to collections for lack of payment, regardless of them acknowledging their internal, double-charge mistake. This has also resulted in my credit being dramatically impacted, as well as several other of my credit cards reducing my spending limits. The new total, including interest and fees is over {$9000.00}, instead of what I actually owe, which is in the {$5300.00} range. I don't know what to do. I have spent over 28 hours on the phone with them since XX/XX/XXXX and have gotten nowhere. All of the hard proof and evidence is presented on my pdf statements.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is colluding with the CEOs of certain CRAs, and has refused to provide all three CRAs with accurate and correct credit information, using the word, paid in full, yet is refusing to report {$0.00} balance to Experian, XXXX, and XXXX in the proper numerical format that each CRA requires to ensure that my loan payment will not positively increase my credit score. 

I have attached an image that none of my credit scores have changed after the {$130.00} payment in XXXX of XXXX, as of today, XX/XX/XXXX, because XXXX continues to state that customer can not be located, and committed postal fraud, by claiming that mail sent to me was sent back ; although, I am in possession of all communication from XXXX sent via the XXXX Postal Service. in addition to the fact that I am signed up for electronic communication. I will be contacting the US Postal Inspector. 

XXXX also committed fraud by falsely reporting to the CRAs that they can not locate me, they have also refused to report loan balance went from {$130000.00} to {$0.00} balance, paid never late, and can locate consumer. They are reporting loan paid in full, instead of As a result, my score did not increase although, {$130.00} worth of debt has been paid, and resulted in XXXX balance. The manipulation of this information has resulted in my credit score remaining the same with all three credit bureaus, and is affecting my ability to purchase a home.
Consumer complaint received 2023-07-27
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (MA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (FL)

After 2 years i request a new card because of an unauthorized charge. I set up recurring payments as before, yet prosper in all their infinite wisdom and knowledge, try to withdraw a payment from an account that isn't mine nor is listed on payment option for payments. after repeated calls and over 3months of back and forth, they keep moving my payment date to 6 days later and {$1.00} less than my minimum due. Constantly getting letters requesting more than required every month no matter how many calls i make or visits to web site. Plus all the phone reps show a lack of interest and intelligence when I explain letter I have from them and detail info and yet still deny it is their problem and not mine. Don't know how or where they get their info from or who is authorized to change info once entered but it was done. So because of that I am done. Both my wife and I had separate cards and both are now closed. Strongly recommend everybody looks to do business elsewhere as this is a major scam to extract money from people.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I have been a member of Wells Fargo since 1989 when it was XXXX. My account was overdrawn on mutliple occasions between 2000 - 2017 due to overdraft fees erroneously taken out of my account. I believe I may also be entitled to remediation due from the recent XXXX. In addition, I believe I was also the victim of redlining when I applied for a car loan and was denied despite having a good credit score and XXXX  XXXX in the bank. I was told a letter explaining the denial would be provided but I don't recall ever receiving such a letter.
Consumer complaint received 2024-02-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (CT)

13 month CD opened at Wells Fargo Branch, ( branch now closed ) -- > XX/XX/XXXX OPENING CERTIFICATE DEPOSIT {$29000.00} attempted to close the CD over the phone at the Maturity Date XX/XX/XXXX was told that changes cant be made until maturity. So no change to account. Was informed that I could call and make changes in the grace period to renew for another term or close the account. 

Called back during the grace period to renew the certificate at the 7 month 5.01 % APY rate. Was told that it is not in fact possible to make the transaction over the phone, and I would be required to arrive in person. I was traveling and unable to come in person to the branch. Upon my return home I visited the branch in-person during the grace period and was told that they couldn't meet and carry out my transaction because there was no " banker '' on staff. 

Then, was also informed that because I am outside the grace period I have a penalty for changes now. I was told on the phone in XXXX, that the grace period was 7 business days, and then they said it was 7 calendar days. Its also not clear when the 7 days counting begins? At the maturity of the original CD or from the renewed deposit date for the current account? 

A combination of unfair and deceptive practice by the Bank and its employees have resulted in a lost opportunity for free and fair choice in managing my accounts, while also incurring fees imposed by the Bank.
Consumer complaint received 2023-05-21
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. (NY)

In accordance with the fair credit Reporting act these companies ; XXXX  XXXX XXXX, XXXX XXXX # XXXX and XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivable Solutions LLC (SC)

Receivable Solutions XXXX This debt collector continues to call me when I am not the owner of the account. My name is XXXX XXXX. They are calling me at least three times a week at XXXX XXXX  in the morning for about 4 months asking for XXXX XXXX. This morning I was informed they can continue to call when they like because I know him even though this is not his number would not stop calling because I do know who he is. It is not my debt or my responsibility in anyway, but they told me they will not stop calling.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/2023 I submitted a mortgage relief application to the Virginia Mortgage Relief program to provide assistance with my past due mortgage payments and homeowners association fees. I was notified by XXXX XXXX, XXXX representative, On XX/XX/2023 a bulk payment ( no specified amount ) was sent to my mortgage company on XX/XX/XXXX, XXXX.Regular mortgage payment was made on XX/XX/2023. My XXXX, XXXX, XXXX, XXXX, and XXXX mortgage statements stated my next payment due was XX/XX/2023. On XX/XX/2023 XXXX XXXX VMRP Outreach Specialist called and notified me that a reverse payment was completed because I received aid that wasn't designated for me and to call my mortgage company. I asked for something in writing tot explain what happened because the error was not mine. They overpaid and should at least assist me in finding a resolution to a problem I did not generate. That never occurred. I was treated as if my dire circumstance was self generated. The reversal of funds sent my current mortgage into immediate default and started a process of me trying, alone. to work through this situation. That is m current plight.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (PA)

I received a letter from TriVerity on XX/XX/2024 regarding to a debt that I owed of {$6100.00} from XXXX XXXX XXXX XXXX. I contacted both companies the same day knowing full well that this is not an amount that I owe nor did I ever setup an account with XXXX XXXX XXXX XXXX. Both companies were able to provide contacts to help with the issue, as well as sources to further report the fraudulent account. XXXX also mentioned a XXXX XXXX card, however no further details were mentioned. Both companies were willing to assist with the issue.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau ( CFPB ). Thank you for your communication regarding this matter. 

Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that Barclays Bank takes the necessary steps to remove this inquiry from my XXXX consumer report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. 

Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that Barclays Bank will adhere to consumer protection laws and refrain from contacting me through these channels going forward. 

Please acknowledge receipt of this letter and confirm when the requested actions have been completed. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-16
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (TX)

XXXX XXXX XXXX originated my mortgage in XXXX of XXXX. They sold it to Planet Home Lending and sent they XXXX XXXX XXXX to planet home lending. Planet Home Lending ( XXXX ) never applied the sellers XXXX XXXX to my XXXX account. As a XXXX XXXX XXXX XXXX  in XXXX I do not pay XXXX XXXX. I received a bill in XXXX of XXXX for the sellers portion of the XXXX. I contact Planet Home Lending and they said I could establish a XXXX XXXX and that they would take care of the XXXX XXXX by adjusting my XXXX account since they had applied the XXXX XXXX XXXX from XXXX XXXX to my XXXX ( that was labeled to be used for sellers XXXX XXXX ). I submitted paperwork requesting a XXXX XXXX to be created and XXXX said they would and that they would pay XXXX XXXX Come XXXX I receive a call saying they cant establish a XXXX XXXX unless my XXXX are paid in full and current. At this point I am now late and received a XXXX XXXX for XXXX that I thought were being taken care of. Now XXXX is trying to establish the XXXX and raise my mortgage to cover XXXX  that I will not owe at the end of this year.