davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hollis Cobb Associates (GA)

My husband had emergency XXXX XX/XX/2018 at XXXX XXXX Hopsital in XXXX, GA. He went into another XXXX 10 days later because a XXXX was removed within 3 hours instead of waiting 7 days. Because of this removal, he had a XXXX XXXX XXXX and was sent back to the hospital to XXXX, involoving unnecessary charges. I contacted the Patient Advocate line for the hospital to dispute paying the second XXXX bill because that was the negligence of the physician for removing the XXXX too soon. I received a letter from the Office of Medical Affairs on XX/XX/2018 from XXXX XXXX saying he would look into this matter and the account will be frozen until the problem is resolved. 

We were making monthly payments on the account. On XX/XX/XXXX, we made a {$150.00} payment towards our balance of {$1800.00} via the online portal for the hospital. We made an additional payment XX/XX/XXXX, for {$50.00}. 

XX/XX/XXXX, we get a phone call stating that the balance has been moved to a collections agency. We received no warning, written nor verbal that the balance was being moved. We were also making monthly payments on the online portal for the account. Why was it sent into collections when we were cooperating? 

I want to bring attention to this matter as it was wrongfully handled and we desire justice from XXXX XXXX.
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (ND)

Had an account with care credit, it was paid off. Then in 2023 the account popped up on my report as a charge off by XXXX XXXX for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.
Consumer complaint received 2024-03-20
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. (OK)

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 2018-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (GA)

XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners  informing me this account was sent to a debt collection agency.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi, NATIONSTAR MORTGAGE, LLC is violating my    California Home Owners   Bill  of Rights and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE,  LLC  and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for  XXXX /2017.   After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on     XXXX   XXXX   2017 . I  agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017  and was delivered on    XXXX   XXXX    , 2017   which  they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017    and was delivered on     XXXX   XXXX  , 2017     which they accepted and everything was ok as well. But after making those  two  payments I received letter in the mail saying that my   Loan Modification   was denied due to not making the Trial Period Payments. How can this be that after making  two pa yments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for     XXXX   XXXX  , 2017     (   XXXX /2017      ). They are clearly in violation of the California Homeowners Bill of Rights.
Consumer complaint received 2024-03-20
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Accounts Group, Inc. (TX)

This is showing as derogatory on my XXXX credit report. I have disputed this issue and had this removed from other credit reports. The account is not derogatory. 
XXXX XXXX XXXX XXXX XXXX - BUREAU ACCOUNT DESIGNATOR individual DATE OPEN XX/XX/2010 HIGH LIMIT - MONTHLY PAYMENT XXXX ACCOUNT BALANCE XXXX LAST REPORTED - ACCOUNT STATUS 120+ days past due AMOUNT PAST DUE {$1400.00} Derogatory Contact Info : name : : XXXX XXXX XXXX XXXX address : : XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX phone : : XXXX
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (FL)

I've been disputing the collection since XXXX and it is still active onto my credit report. I've reached out to XXXX and the company and XXXX is working on other ways to dispute the fraudulent collection.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion is using a deceptive identity verification question, specifically, they ask about names " previously '' used, implying that the name is no longer used. They included my last name, XXXX, as an answer. XXXX is not a name that I have previously used : It is the name that I have always used.
Consumer complaint received 2024-03-20
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. (MI)

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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-20
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. (MI)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments
Consumer complaint received 2023-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (NC)

I am filing a complaint against mortgage broker XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX accepted a deposit for an interest rate lock commitment without securing it with a reputable financial institution as advertised. Ultimately, I did not receive the advertised rate or terms, nor did I receive my money back at closing. 
Despite my initial hesitancy, XXXX reassured me that the company XXXX XXXX was the investor providing my loan and that I would receive my deposit back at closing. On XX/XX/XXXX, I signed a rate lock agreement and wired him {$3100.00} for a nine-month rate lock at 5.24 % ( expiring XX/XX/XXXX ). I sent him a loan application the next day. However, I did not receive the TILA required Loan Estimate within three business days. 
In fact, I did not receive a Loan Estimate until six months later, on XX/XX/XXXX. The first Loan Estimate document from United Wholesale Mortgage did not reflect the loan product or the terms of the loan we agreed upon months earlier.

Upon receipt of these documents, I communicated concerns about incorrect terms, missing information and my missing rate lock credit, which were ignored. XXXX later claimed the deposit was used to pay discounts points for a lower rate. The final Closing Disclosure on XX/XX/XXXX failed to show points paid and instead added a {$3300.00} fee noted as a " Transaction Coordinator Fee '', questionably, that was very close to the amount of my refundable rate lock deposit. XXXX repeatedly changed the explanation of where the deposit money was applied. In his latest email on XX/XX/XXXX, he called the deposit a fee for real estate services, a clear departure from the original intent. 
As a result of XXXX 's negligence, I was denied the advantage of a rate lock in a rapidly rising interest rate environment. Two weeks before my closing date, I was forced to seek a new lender and to close at a much higher interest rate, which caused me significant financial harm. 
To date, XXXX has failed to account for my rate lock funds and refused to provide a full refund for a rate lock that was never secured. He misrepresented a company called XXXX XXXX as an institution that would be providing my loan. On XX/XX/XXXX, an approval document sent to my builder shows his home address as the company address, a change from the previous letterhead. 
XXXX was dishonest in his communications, breaching contract and failing to provide legally required loan documentation. He violated regulations designed to protect consumers in North Carolina. Although he is a sponsored broker of XXXX XXXX XXXX XXXX, the owner, XXXX XXXX, has denied responsibility or liability for his actions. 
I am writing to bring this misconduct to your attention and seeking a full refund of my rate lock deposit of {$3100.00}. All claims made in this complaint can be substantiated with written evidence. Any sensitive information was redacted.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I have tried to close my Paypal account on several occasions. I should be able to close down an account. It is a bank, yet there is no way for me to make a stop payment or even write them. I want to send them a clear statement to close down my account. They are making charges using old information that I updated on my Patron page and I have stopped my XXXX renewal. Paypal still processes them. Then says I can not close my account because of a negative payment. It will not allow me to remove my credit card number, my address, my bank account information. This is my personal information. I have gone to my bank to make a stop payment for PayPal because PayPal 's abusive systems. My bank informed me that I could submit in writing a stop payment to PayPal, but PayPal has removed anyway to email them without going through an extremely confusing tree, that does not have what I need. I am frustrated and scared that this company can apparently do whatever they want to consumers. This is my personal banking information, I should have some rights. Please help. I have been trying to do this for a year.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

Innovis failed to conduct a proper investigation for XXXX Acct # XXXX listed on my report. This account was reporting inaccurate information to XXXX and was deleted immediately because it could not be verified or match my information and the data furnisher could not produce the information. Yet, Innovis is still reporting this account and it shows completely different information which is inaccurate. It also appears that the date for removal has been extended again. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

My PNC account was placed on a hold on XXXX XXXX. I called and asked why and no one would answer me and told me to go to a branch. on XX/XX/XXXX I went to a branch of the bank and again no one could assist me with the problem or answer any questions. I then called PNC again on XX/XX/XXXX and could once again get no answers as to why there was a hold on my account and that it could take XXXX or more days to review. PNC is holding my money for ransom without giving me any help or reason for doing so.
Consumer complaint received 2023-07-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a XXXX XXXX XXXXXXXXXXXX XXXX Veteran. Under federal law my income is exempt from garnishment. A collection agency received a writ of garnishment and Bank of America garnished the funds from all of my accounts with their bank. I am left with a XXXX balance on each of my four accounts. One of my accounts is shared and therefore, is not able to be garnished. 
All the sources of deposits into my Bank of America accounts are from the Veterans Administration with the exception of funds from my insurance company to do repairs on my property. 
I am now left with no money in my accounts.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I reviewed my credit report and noticed the collections account for Sunrise XXXX Services for an old XXXX account I had closed when I moved. I paid it off, either to XXXX directly or through Sunrise. This note is even in the file for the account. I spoke to a representative at Sunrise and she couldnt find me in their system, therefore I would like the entire account deleted from my report. Please let me know what I need to do for this to happen and happen quickly.
Consumer complaint received 2024-03-20
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. (WI)

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 Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2023-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (MD)

Company ZIONS DEBT HOLDINGS LLC is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore Zions IS NOT the original creditor. I do not know anything about ZIONS I have never authorized any business with XXXX Nor Zions debt holdings. I have opened a police report and this This account needs to be deleted.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

The servicer was changed from XXXX XXXX XXXX to Mr. Cooper in XX/XX/2023. I am unable to login to Mr. Cooper to see any of my mortgage statements. They are claiming I have a shortage in my escrow account which increased my mortgage payment by {$120.00} a month. I called my Sr. Loan Officer whom I closed with on XX/XX/2023, she verified all escrow payments were made and the correct amount was held for taxes and insurance. There should be no shortage and Mr. Cooper is not giving me the information I need after 2.5 hours on the phone, on 2 different days, and waiting for a manager to see why in XX/XX/2023 when they did the analysis of the escrow account it was short. My taxes nor insurance has gone up.