davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (TX)

My complaint is against Phoenix Financial Ser and XXXX XXXX ; there was a repeat derogatory delinquent account # XXXX reported back on my XXXX XXXX consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer XXXX XXXX report. I reached out to Phoenix Financial Ser, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency Phoenix Financial Ser. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why Phoenix Financial Ser purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to XXXX XXXX, I spoke with XXXX XXXX representative of XXXX XXXX, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a Phoenix state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did XXXX XXXX allow this derogatory debt to be placed back on my consumer XXXX XXXX report? XXXX said she would have to submit a dispute she did not know.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon me.
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.
Consumer complaint received 2020-04-10
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. (NY)

I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole my card information and withdrew XXXX from my account. I never lost the card and its been with me even now. After my claims were denied I even went to report the incident to the police department. Filed a police report and forwarded information to bank. Now they tell me they couldnt get surveillance video of atm. And that if it happened at another banks atm its not their problem. I feel like they are doing the most to not help me when I need help the most. Im already unemployed.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is against XXXX XXXX XXXX and Trans Union ; there was a repeat derogatory delinquent account # XXXX reported back on my Trans Union consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer Trans Union report. I reached out to XXXX XXXX XXXX, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency XXXX XXXX XXXX. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why XXXX XXXX XXXX purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to Trans Union, I spoke with XXXX XXXX representative of Trans Union, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a XXXX state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did Trans Union allow this derogatory debt to be placed back on my consumer Tran Union report? XXXX said she would have to submit a dispute she did not know.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/2019, my XXXX  XXXX  XXXX  XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (GA)

Submitting proof of documentation regarding XXXX XXXX in reference to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


NO RETAILIATION OF ANY FORM WILL BE TOLERATED!
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (CA)

XXXX is still trying to charge me XXXX dollars on an account that wasnt opened by XXXX also bought an iphone on that account. This was supposed to be off my credit report years ago. XXXX is saying the debt is fro XX/XX/XXXX thats not true either, this all happened back in XXXX.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Clear Lending Corp (NV)

I applied for a VA loan through Clearlending and on a VA loan you can not be charged more than 2 points for loan discount fees but this company stated that due to credit score it had to charge more and charged XXXX. They are also charging Contract processing fees which are against VA loan regulations as well as survey fees and an HOA transfer fee but I do not have a home picked out yet and am looking at ones that do not have an HOA. Seller will pay closing costs but I am still being told that I will have to put money down when VA requires XXXX down from a military member. These practices are illegal by this company and they should be held accountable, regardless of credit history.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Back in XXXX I purchased a car at a XXXX dealership, which was financed through Nissan Motors Acceptance Corporation ), at the end of XXXX the car was in an accident and it was declared a total loss by the insurance company, which made a large payment through NMAC to cover almost the entire balance of the loan, there was a difference of {$1200.00}, which was negotiated down to {$330.00} and that was supposed to close the account satisfactorily ( NMAC claims that they have no record of this settlement in their system ) Instead the account was declared a charge off and has been reported as such for 3 years, I have unsuccesfully tried to dispute it several times and every time the account gets updated from bad to worst ) I disputed it again a few days ago and it was updated showing the following : XXXX, XXXX payments late as of this month and since XX/XX/XXXX. 
XXXX, reporting On time and Late payments after XXXX, even that no payments were made after XX/XX/XXXX. 
XXXX, no payment history reported. 

This malicious reporting has been a challenge for me and my family to obtain a home loan, especially with the 41 payments late reported, and causing unnecessary stress and harm, as well as countless hours of trying to communicate with someone at NMAC to resolve this issue.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (WI)

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one Equifax and XXXX gave me a total run around.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IL)

Capital Accounts XXXX XXXX XXXX Account number # XXXX. I have never had an account with this company. It is fraudulent. It is not mine. I am a victim of identity theft and someone used my information. I have filed a report with The Federal trade and a police report. They call me constantly and I told them it is not mine it is fraud and needs to be removed from my social security and my credit file. The amount is {$570.00}. It was opened XX/XX/2020.
Consumer complaint received 2022-12-29
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NH)

I have reached out to Freedom Mortgage multiple times to try and get an FHA mortgage forbearance due to the coronavirus pandemic and they keep denying the mandated guidelines for allowing borrowers to access the special forbearance. They keep saying all I can do is apply for a 3-month forbearance and at the end of the 3 months I would need to pay all 3 months plus the 4th month at that time ...? What sense does that make? Its nonsensical. I even read them the guidelines from this site back to them. Also, to shove it in our faces, even more, they have a XXXX post on their page with the video from the CFPB on the guidelines of the COVID forbearance.. I along with other customers leave comments but they delete them as soon as we put them up ... Shameful..
Consumer complaint received 2024-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I sent {$350.00} to my child 's piano class. I had previously sent funds to my child 's class via XXXX so I went through my list of recipients via Wells Fargo 's app, where it has listed " XXXX XXXX '' with XXXX XXXX XXXX XXXXXXXX. I looked at my child 's piano number and it has the same last 4 digits and also thinking that I sent her/his payments previously via XXXX so I should be ok. The next day, piano teacher said they never received the amount. I told them it has the same last 4 digits number. I called Wells Fargo on XX/XX/year>, they will not tell me what number it has been sent to. They have asked me to file a claim. I told them about my claim that they have hidden the number from my view. I contacted them after receiving a mail to day dated XX/XX/year> that it has been rejected. They investigated for 2 business day while providing me notice just now - XX/XX/year>. I called them three times about it and they said multiple times it was an error on my end since I sent it to the wrong person. I have asked them to reopen the case as to why would they hide the telephone number on my view, thus making it difficult for me to verify. 

To add, I did sent previous XXXX  transactions to XXXX XXXX it was through Chase XXXX where phone numbers were not hidden! 

Wells Fargo would not admit any errors on their end.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (DC)

Credit cards was open in my name by someone else. Credit cards I applied fir was received by someone else and active uses. My bank/atm card was used by someone else in 2006 to purchase a building/house in New York. Name used as purchase for building/house in new your was XXXX XXXX. Person listed me as self employed on purchase of building/house in New York XXXX Person that is connected to house and all credit cards and miss information and phone numbers dont belong to me and addresses is my wife boyfriend. Credit cards was recently reported to credit companies so as well of the purchase of the building/house for XXXX dollar in New York XXXX The person name that came up as using my card for purchase of XXXX in New York for XXXX dollar name is XXXX XXXX XXXX XXXX This person have taken over all life active of me and social media and even created fake emails as me and logs in as me on social media, XXXX XXXX to give friends and coworkers of mine false info of me. He also used XXXX and other media to request coworkers and friends to conversation with him. There is many other domains created by him and my wife to hide them self from me knowing there fraud.