davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (CO)

In XXXX of XXXX Homebridge mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to Homebridge 's XXXX XXXX and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from Homebridge stating that I had mailed the payment to the wrong XXXX XXXX and it provided me with the correct XXXX XXXX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my Streamline refi to not go through because it shows two thirty day late charges. Homebridge has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.
Consumer complaint received 2021-05-25
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. (OH)

I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (CA)

I am uploading additional information to this company about my complaint. 
On XX/XX/XXXX, I received an alert from XXXX  that this Company reported an account on my credit report stating that I opened an account inXX/XX/2021 with them and owe {$670.00}. 
I have no knowledge of and did not open, nor do I have any account with Security Services. I have filed an FTC report which I am attaching, as well as disputes with the credit bureaus. I received several phone calls at my JOB, and repeatedly informed these people that 1 ) do not call my place of employment. 2 ) I do not & have never had an account with your company and do not owe you any monies. 3 ) Remove this information off my credit report immediately as it is false and fraudulent.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Consumer complaint received 2021-05-25
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. (TX)

Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Consumer complaint received 2022-10-31
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2021-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

Contacted them multiple times about debt validation and have yet to receive anything. It's impossible to reach anyone on the number listed on their website. According to XXXX XXXX the highest balance is less than the current balance but I've yet to make a payment.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (IL)

This company has flagged my credit report 6 times in a week with two different debts from the same company ( XX/XX/XXXX ) they flagged my account twice on XX/XX/XXXX, flagged my account for both debts again XX/XX/XXXX and then flagged it twice again today on XX/XX/XXXX. I emailed them about the multiple flags theyve added to my credit report, and told them I would contact the proper consumer protection bureaus about the situation with the screenshots of the back to back flagging on my credit report, and would also contact a consumer protection attorney to see what my rights were since they were violating my rights under the fair debt collection practices act. They emailed me back shortly after saying they researched the matter couldnt locate any record of it in their system then proceeded in asking for an account number, and a phone number so they could look it up. I refused to give them any information and advised them I had been in contact with an attorney and would be in contact with the proper consumer protection bureau and would leave it with them. The email they sent had a caution on it that said it was sent from an external email and I should proceed with caution and not open any links or attachments in it. I will include screen shots of the flagged and derogatory notes they keep leaving on my credit report. I understand they have a right to report any debt they have for an individual every 30 days but this is beyond that they have flagged my credit multiple times in one week Its unfair and malicious on their part especially after the entire world is trying to pick themselves up and get their lives back together after this recent panademic. Im also curious how can a person have two debts for the same company especially a cellphone. Youre only allowed to open one account at a time and if its not paid your definitely not opening another until the one owed one is paid off. I dont trust this company and refused to give this company any information without a liaison of some sort in the middle. I also feel this problem wont be resolved by trying to deal directly with the company itself either they will continue to use any information and leverage to their benefit rather than fix the issue. I have also uploaded the flagged/derogatory marks thats been placed on credit profile throughXX/XX/XXXX.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

This complaint is in response to the attached letter provided by American Express in which American Express advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge American Express to provide such proof. Such proof does not exist. 

American Express must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to XXXX XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold American Express accountable for consumer fraud activities by deliberately passing a business debt for personal debt.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Liberty Holdings, LLC (CO)

I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I went to the BB & T branch at XXXX XXXX XXXX # XXXX in XXXX, NC on XX/XX/2021 to close my checking account. The banker told me that she had closed my account. She also gave me {$55.00} in cash ( the remaining funds in the account ). Since then, BB & T has continued to charge me account fees, which led to a negative balance and several overdraft fees. My negative balance is now {$130.00}.
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (MN)

I am to the closing point of refinancing with a new lender and my current lender Planet Home Lending is falsely representing the status of the loan and preventing me from closing. I was in Temporary deferment when Covid-19 first hit for 5 months ending XX/XX/XXXX and the payments were to be tacked on the principal of the loan. I have the documents showing the deferment ended XX/XX/XXXX. Now that I am changing lenders for a lower interest rate they are forcing me to pay the deferred amount of {$11000.00} now inorder for my monthly statement to show I'm not still in deferment. I have been trying to work with Planet Home Lending since XX/XX/XXXX on this. I finally threatened that I might have to talk to an attorney just on XX/XX/XXXX, they had a threatening letter hand delivered to my door the next day the XXXX. A threatening letter saying I have to pay the {$11000.00} in full or alow them to place an additional lien for the entire mortgage amount or agree to have them place an additional lien on my home for {$200000.00} even though they hold the current note. I have my 12 month payment history showing I've made on Time payments along with my deferment agreement paperwork showing the deferment ended XX/XX/XXXX. I have worked in finance and this is worse than predatory lending this is using covid-19 to their advantage so they get to keep their high interest rate they're getting from me and a new lender can't approve when the old lender is falsely representing the status of my loan. Planet home Lending has received my request via email and phone calls regularly since XX/XX/XXXX and I've had no response until I threatened to speak to an attorney.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my creditXXXX XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, XXXX and TransUnion correct and remove this inaccurate info from my credit report.
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (SC)

Please see below account # XXXX is a old Wachovia/Wells Fargo credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason Well Fargo has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year Wells Fargo Customer and owe absolutely nothing and have never been a day late on any obligation. I called the Wells Fargo Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The Wells Fargo Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

i was paid by a buyer via paypal for an artists product whom i work for. paypal took a fee, but when i tried transferring money to the artist for the goods, paypal put a hold on my account and will not release the funds unless i give them the buyers date of birth, along with a detailed description of what the product is, how we sell it, how we inform the buyer of delays etc. i provided all the info requested other than buyers DOB and i am still getting generic emails asking for the same thing over and over, holding onto our funds.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime has been providing secret backdoor access to my account which has involved the loss of assets believed to be in the thousands of dollars. It is difficult to ascertain the true amount of losses as I have limited access to the " my account '' and I have absolutely no access to a person at Chime to address these issues. Further upon information and belief there is another person, unbeknownst to me, who has secret, unauthorized primary cardholder status to the account and I am merely an additional cardholder. This setup was done, if done, without my knowledge and consent. What is happening in the background is that because of this setup I am loosing enormous amounts of money to which I am not supposed to know that I am loosing and which amounts are being debited against the account with which I am not supposed to know. This corrupt fiduciary behavior is causing and has been causing me severe financial and emotional distress. And as stated earlier, there is never a person available at chime to speak with. Chime closes chat sessions the moment I establish these sessions. So I am completely in the dark with respect to managing this account and this behavior is not consistent with a bank and bank regulations regarding the handling of customer assets.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

your company IS STATING that you contacted the furnisher of the information or the vendor that collected the information from the " court '' I reached out to the court AND on XX/XX/XXXX THEY SENT ME A LETTER WHICH IS ATTACHED BELOW and they stated they DO NOT SUPPLY OR VERIFY MY INFORMATION WITH ANY VENDOR, THIRD PARTY OR CREDIT BUREAU. PLEASE TELL ME WHERE YOU ARE GETTING YOUR INFORMATION FROM WHEN THE GOVERMENT / COURT IS STATING THEY DO NOT SUPPLY INFORMATION OR VERIFY ANY INFO. 

XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 



What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 



You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


equifax follows the same practices as you do which is why they removed both public records due to not being accurate and not being able to verify the information
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

I spoked to an Agent Friday morning ( XX/XX/2021 ) regarding the {$170.00} charge. The {$170.00} is showing up in my credit reporting under Collection. After, providing the agent information. The agent stated they do not have this account. I told him well that's illegal and they need to remove the charge if they don't have the account. The company name is " Enhanced Recovery CO L ''. Phone # XXXX XXXX XXXX.
Consumer complaint received 2021-05-25
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: LEXISNEXIS (AZ)

On XXXX XXXX, I sent a letter to XXXX, XXXX XXXX and Lexis Nexis Risk Solutions to dispute bankruptcy. Lexis Nexis did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, Lexis Nexis sent me a letter saying they tried to contact XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.