davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (VA)

I purchased my home in XX/XX/XXXXXXXX  and my loan company continues to send me new XXXX Statement containing false tax information resulting in an increase of my monthly mortgage payment from {$1000.00} to {$1900.00}, which I can not afford. In addition, the mortgage company failed to pay taxes for the 2nd half of XXXX which resulted in delinquency charges and interest payments totaling over {$400.00}. 

I have reached out to the lending company on multiple occasions via email and phone without any resolution. I reached out to them via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and via phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have provided the lending company with tax bills from XXXX, XXXX and XXXX which are also readily available through the XXXX of XXXX. I finally received a letter today that the mortgage company has made a slight adjustment and lowered the monthly mortgage payment by {$200.00} however they are still basing this amount on false tax information. 

My XXXX city taxes are {$3400.00} and the mortgage company is claiming that the taxes are {$5300.00}.
Consumer complaint received 2020-01-02
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: LEXISNEXIS (TX)

I sent LexisNexis a dispute notification on XX/XX/XXXX and it was delivered on XX/XX/XXXX via USPS with tracking number XXXX. 

LexisNexis however didn't initiate the dispute until almost a week later and still has no answer and continues to report inaccurate information on my CLUE report.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (PA)

On XX/XX/2018 a background check was conducted by First Advantage in the form of a First Advantage National criminal file search. In the background check it list one of my charges as quote XXXX threats with intent to XXXX  another. The actual charge should be XXXX threats with intent to XXXX another.
Consumer complaint received 2020-01-02
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. (NV)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

On XX/XX/XXXX, I reviewed my credit report and noticed that there was a collection account dramatically impacting my credit report and score. On XX/XX/XXXX, I immediately disputed with all 3 credit bureaus, as I have had no knowledge of this alleged debt. 

Under the FDCPA, I have the right to request validation of the debt that any collection agency states I owe. Further, when an account is in dispute, the collection agency is required to cease all reporting until debt has been investigated and validated. Capital Accounts has not only failed to do so, but has falsified the alleged amount owed, by altering the dollar amount month over month to in a fraudulent effort to collect on alleged debt that is clearly being disputed. 

While this may be minute to some, it infringes on consumers rights and needs to be rectified immediately.
Consumer complaint received 2022-08-17
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (MN)

Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (MN)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/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 is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-02
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. (MN)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/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 is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint against - XXXX XXXX XXXX representing MidLand Funding LLC * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I  received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. XXXX were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by XXXX XXXX XXXX , XXXX ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} XXXX file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX XXXX  inadvertently applied an electronic bank payment to the wrong credit card. I contacted XXXX XXXX Barclay 's credit card company on XX/XX/XXXX, via an online form. They stated that I had a credit balance of {$1500.00} and that I should receive the check within XXXX  to XXXX  business days. 

I contacted them again on XXXX XXXX XXXX because I had not yet received the check. They said that " due to a system error, it does not appear as thought [ sic ] the first request went through '' and again stated that I would receive a check within XXXX  to XXXX  business days. 

I contacted them yet again today, XXXX XXXX XXXX because I had not yet received the check. They stated that the had completed my request as of today, XX/XX/XXXX, and that I would receive it within XXXX to XXXX  business days. They refused to provide me with a check number as evidence that they actually issued it. They also suggested I contact customer service via telephone to speak with a manager. I did but hung up after being on hold for a XXXX XXXX.
Consumer complaint received 2020-01-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH Mortgage has refused to provide me with a payoff of my existing mortgage that I request on XX/XX/XXXX by phone. On XX/XX/XXXX the representative XXXX that I spoke with said I would have my payoff by fax on XX/XX/XXXX due to the holiday. I did not receive the payoff on XX/XX/XXXX, so I called PHH again on XXXX   XX/XX/19 and I was told that it was sent to their lawyers for calculation and he faxed it out to me on XXXX XX/XX/19 based on the notes in the system. Again, that was a lie, I am in escrow and the escrow company has requested a second attempt to obtain the payoff as well and they are refusing them. By law it states the mortgage company has 7 business to issue my request as the borrower. By XX/XX/XXXX it will reach the 7th day mark and I have yet to receive my request. 

PHH is also falsifying charges on my loan from XX/XX/XXXX to present that are incorrect and they refuse to remove them in the amount exceeding {$39000.00}. I have asked and written letters of errors on my account and wanted a detailed descriptions of the charges along with proof of receipts from their vendors. They also have denied me proof and the opportunity to speak with the supervisor in charge of the charges.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX  XXXX, XXXX XXXX, as well as other loans ( " non-XXXX  loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP.  With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On Experian report you reporting my account was on time but XXXX and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

As a result of the documents I have obtained, it is my belief the Credit Bureaus have not been reporting many of my accounts as they have been reported by the furnishers in a timely manner and they have been providing creditors a different report than they provide for me. It is my strong belief the Credit Bureaus have conspired against me in retaliation for previous lawsuits I have prevailed on against them and many more complaints I have filed, with their goal to cause me harm by keeping my credit score lower. 
Maybe I am crazy, huh? Well we will see! 
At present I have collected over 14 months of evidence to support my claim including the monthly XXXX XXXX XXXX use to report consumer accounts to the Credit Bureaus. 
I believe the CEOs and/or other executives are aware of this practice and approve of it as I have directly emailed executives of Experian, XXXX and XXXX so that they CAN NOT make a Plausible Deniability claim. I firmly believe, as do 94 % of All Americans, that Executives MUST be held accountable and the action taken against them MUST act as a deterrent. Doing so will prevent harm to 100s of millions of Americans and improve Corporate behavior which benefits all of America. 
With every complaint I make, Experian, XXXX XXXX XXXX all claim they report information when reported and as reported by the furnishers. Therefore, I must have copies of the AUDs from the furnishers and in this case XXXX XXXX. Otherwise I will be forced to include each furnisher in my imminent civil claim. If XXXX XXXX refuses to provide this information, which they have a legal obligation to provide I will file under the FOIA and then subpoena them. 
XXXX XXXX requesting XXXX XXXX to please provide to me a copy of the XXXX they forwarded to all three credit Bureaus for the months of XX/XX/2022, XX/XX/2022 & XX/XX/2022. 
( XXXX XXXX XXXX., or XXXX, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An XXXX is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account during those months, I am asking why not and what is their reporting policy. 
When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Received a notice in mail about bank of america account under previous address, i have never had an accout with that institution. So the account with Bank of America was opened under my name using a previous address. I tried speaking with Bank of America directly but was advised that they wouldn't be able to help without verifing account information other than acoount number. I asked to speak with their fraud department and was rerouted and then placed on hold and was never able to speak with someone in regards to closing this account.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (MD)

I DO NOT OWE THEM ANYTHING. I WILL NEVER PAY YOU ANYTHING. OVER MY DEAD BODY. I DO NOT WISH YOU WELL. THIS BANK IS EVIL.. IM SICK AND TIRED OF THIS HARASSMENT. THEY WILL NOT HAVE A GOOD END. THIS IS WHY PEOPLE DO DESPERATE THINGS. THIS WAS A SECURED CREDIT CARD. WHAT IS THE {$890.00}? THEY HAVE NOT TOLD ME IN ANY TERMS WHAT IS THE {$890.00}. I WANT THEM TO TELL ME IN NO UNCERTAIN TERMS WHAT IS THE {$890.00} PERIOD. IS IT INTEREST CHARGES, SERVICES, FEES, OR PENALTIES? THIS IS NOT A HARD QUESTION TO ANSWER. CONTACT ME THROUGH THIS SYSTEM DO NOT CALL OR SEND ME ANY CORRESPONDENCE THROUGH THE MAIL. I DETEST THIS BANK THEY ARE ALL RACISTS. THEY CALLED ME A XXXX NUMEROUS TIMES. I WILL CALL THE POLICE FILE CHARGES AND FILE A CIVIL PROTECTION ORDER. I WILL CONTINUE TO COMPLAIN UNTIL THEY TELL ME WHAT IS THE {$890.00}. YOU WILL EXPLAIN TO ME IN WRITING IN NO UNCERTAIN TERMS. ALL I WANT TO KNOW IS WHAT ARE THE CHARGES COMPOSED OFF. THATS IT. YOU DONT WANT TO SAY BECAUSE YOU ARE A FRAUD. THEY CALL MY SUPERVISOR AT WORK AND MY NCO AT XXXX XXXX
Consumer complaint received 2020-06-10
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: Commonwealth Financial Systems, Inc. (FL)

I received an alert regarding a collection on my credit report. I contacted the collection agency and informed them that the collection they placed on my credit report does not belong to me. The so-called person is a male who happened to share the same birth date as I. The name of the collection agency is Common Wealth Financial which placed a collection on my credit for {$1.00}, XXXX ; Account : XXXX ; Service date XX/XX/2017 for a XXXX XXXX XXXX. My name is not XXXX XXXX XXXX ; it is XXXX XXXX XXXX and I am a female not a male. How could these people do that to my credit? Just because someone shares a birthdate, that does not mean it's the person you're looking for. I called them and informed them of their mistakes and they are suppose to contact the credit bureaus to remove this damaging collection on my credit profile ; but I am not sure if they have done that. This is incredible!
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and Equifax you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.