davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (WA)

I received a letter on XX/XX/XXXX from Pheonix Financial Services stating that I owed {$800.00} for a debt that was owed to XXXX XXXX XXXX. I disputed that amount because I was pretty sure the debt was paid off. They then sent me a letter back stating that the debt was accurate on XX/XX/XXXX. 

I called XXXX Customer service because at the time of the service XX/XX/XXXX, I was a XXXX employee, and it should have been covered under my insurance. Unfortunately, the rep I was working with couldn't find the claim because it was an old one archived from XXXX. The member also stated that the company is supposed to send three good faith efforts to try and contact you before sending it off to collections, and I didn't receive a single one. Also why are they contacting me about a debt from XXXX when it's XXXX? The rep suggested I contact XXXX No Suprises and I left a complaint with them, but they stated that since the claim was from XXXX that I didn't qualify and suggested I leave the complaint with you. 

The rep I spoke with was named XXXX XXXX with XXXX and the reference number she gave me was XXXX. You may contact me back if you need more information.
Consumer complaint received 2024-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (OH)

The company is attempting to collect a debt using a falsified loan modification that was not notarized by either my XXXX ( over which I am her XXXX ) nor the alleged company XXXX XXXX/PHH. My XXXX nor myself signed the loan modification, which is evident by the fact the document notarization area is blank. The modification clearly does not exist within the alleged creditors account as it is also not signed, dated and notarized. 

XXXX XXXX sent a letter saying they were retained by PHH Mortgage/XXXX XXXX. They have supplied a forged, non-notarized loan modification to the court to collect long since timebarred debt using the names of PHH MortgageXXXX XXXX. 

XXXX XXXX claims they are not the party to address this matter, yet all attempts to collect the debt are coming through them as they own/operate PHH Mortgage .
Consumer complaint received 2020-12-31
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. (FL)

I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at XXXX XXXX. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from XXXX on XX/XX/XXXX, reported as fraud and XXXX said they would remove from bureau. Application for new account was removed by XXXX after fraud report.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

Equifax will not allow me to log into my account to manage my freeze. Their account recovery system does not work and I can not reach anyone. Upon further research, this is their common practice and I find it absolutely unacceptable to either intentionally lock people out of their accounts or to have software so poorly written that accounts require someone to file a complaint before anything will be resolved.
Consumer complaint received 2021-08-27
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. (CA)

This complaint is against Experian with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (VA)

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : PROF DEBT, Account Number : XXXX. 
I would like forPROF DEBT to show proof of verification that I owe them {$1900.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I was part of the class action law suit against Santander Consumer USA. I signed the executed agreement based on the terms laid out in XXXX 0f XXXX. In the agreement I would receive a financial settlement and in paragraph 3 Santander would remove all entries regarding the account from the credit bureaus. Santander agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that Santander refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact Santander they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage Santander has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted Santander they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states Santander should have removed this entry months ago with all three credit bureaus.
Consumer complaint received 2021-07-29
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX - Original Creditor : XXXX XXXX This account shows as charged off in XX/XX/XXXX and so it should not be reporting every single month as CO as there should be no activity or attempts to collect. 
A charge-off account should not include past due balance. 
This account is not on my XXXX  or XXXX  credit report. 
Please remove this from my Experian report expeditiously
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXXAccount # : XXXX XXXX Account # XXXX VIOLATESMY RIGTHTOPRIVACY..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 an 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 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

The City of XXXX collection on my credit report being collected on by Penn Credit # XXXX needs to be removed from my credit. Penn Credit is attempting to collect on a debt that is not owed and was paid directly to the City of XXXX. Attached you will find a copy of the paid in full plus fees letter from the City of XXXX. Due to this being paid directy to the City of XXXX, this collection on my credit report is no longer valid and is illegal to be on my credit per the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-31
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. (PA)

I have been sending XXXX & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX report. 

Then it wouldn't let me back in to get the XXXX report saying that it was no longer available online.
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (AR)

Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I purchased my property in XXXX of XXXX. Through XXXX XXXX. I ha a first and second. I was denied at first and within about a day or two after the denial they sent another correspondence stating that I was approved. ( I still had my mortgage on the XXXX XXXX XXXX XXXX XXXX, Az ). I was shocked as I did not sell that property and had a mortgage on it and purchasing as a single individual. In XXXX the market fell apart. I tried to modify my loan and it took SPS ( Select Portfolio Services almost a year to complete my MOD ) Shortly after my arm came due and they set my interest at 7.5 % making py payments go from XXXX to XXXX. When my loan was modified I assumed that both first and second was modified. Once my modification and ARM was completed I was only paying one payment, ( XXXX.aprox. ) Until the pandemic. Last year I contacted SPS and advised them that I had not received any type of commission from XX/XX/XXXX to XX/XX/XXXX. I then started my modification with them and they just keep requesting more and more documents each time. I would submit my documents and they would ask for the same documents; stating that the time had expired. In the meantime I received a letter from XXXX XXXX stating that I had a second lien that I was not paying on. I tried working with them and received no response. Once I got to talk to someone, she advised me that it was not XXXX XXXX, that I should be talking to but to XXXX XXXX. I then contacted XXXX and told them I was corresponding with XXXX  and they did not care. They placed a Foreclosure date on my home. I called, I begged them to give me some time to research and work this out and again they transferred me to one person to the next. No help whatsoever The foreclosure date was then changed from the XXXX to the XXXX. I called and they stated to me that the property was reverted back to the bank. There was not a sale. Since then I have not received any correspondence from XXXX XXXX, XXXX XXXX until yesterday when I received a letter form XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, .XXXX XXXX XXXX XXXX Florida XXXX giving me 5 days from the date of the letter ( letter dated XX/XX/XXXX ) to vacate the premises. I have been looking for a rental for the past four weeks. Arizona 's demand for rentals is high so it is taking longer to find a home. I have a home filled with my belongings that I have accumulated for the past 40 years. 
How can I move in such short notice. They can have my home. It is a material possession. My well being is more important than a home. Houses come and go. I just need at least a month to find a place to live. It also takes money to move. My life will continue and I hope that just as I feel I can live with myself ; I hope that all the parties involve can say the same.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax has violated me under 15 USC 6802, subsections and b, by sharing my non public information. Equifax has also violated 18 USC 242 under color of law for willfully and knowingly supplying inaccurate, unlawful, and private information which is depriving me of my right to extend credit as a consumer. Attach with this complaint is a copy of the affidavit I certified mailed Equifax detailing ALL their violations and they have not resolved the issue
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/20 I wired {$200000.00} from my bank ( XXXXXXXX XXXX ) to a Wells Fargo branch in XXXX XXXX MN. I had been duped by a fraudulent e-mail and the money did not go to who I intended it to. Efforts to stop the transfer or retrieve the money were too late. 

Wells Fargo facilitated this by allowing a very suspicious chain of events. Most egregiously the beneficiary on my wire was " XXXX XXXX XXXX XXXX ''. The account that it went into was in the name of XXXX XXXX, opened a week earlier. 

Wells Fargo made a cursory fraud phone call to me but did not mention the discrepancy in account names or any other reason to suspect fraud. Nor did they ask any questions that might have alerted me to the possible fraud. 

Wells Fargo refused to talk to me about this. My local police served them with a search warrant for account details. They provided the minimum and were not cooperative with the detective.
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (AR)

Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Consumer complaint received 2020-12-31
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. (MD)

I filled a compliant on XX/XX/2020 on Experian for inaccurate credit reporting on my Experian credit report. Experian completed my compliant with CFPB on XX/XX/2020. Then I received my dispute response from Experian via email. I never disputed anything by email. My first dispute was by mail and sent to Experian XX/XX/2020. Experian didnt open up my dispute until I filled a complaint with CFPB. Then on XX/XX/2020 Experian sent me an email with the wrong name that is a whole another person XXXX XXXX regarding the XXXX account that is inaccuracy reporting thats not my name and I would like to request a deletion for inaccuracy of the XXXX XXXX account # XXXX. My correct name is XXXX XXXX first and last. I uploaded the email that supports Experian Inaccuracy and the highlighted name
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (CA)

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.