davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC Systems has been attempting to collect a debt from me for an account that they claim was sent to them from XXXX XXXX XXXX. It has been several years since I ended my account with XXXX XXXX XXXX and it was never delinquent. When I canceled the account and closed it, my balance was XXXX. Now 3 years later I am receiving collections calls at all hours of the day and night and it has been added to my credit report. When I disputed it on my credit report, IC Systems then added a second account, also with XXXX XXXX XXXX. I feel like I am being unfairly targeted and their collection tactics seem very odd. I have now disputed both accounts but I am concerned that they will retaliate further. Whatever debt they are collecting, does not belong to me.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

I am being charged for a product I did not receive nor want. XXXX XXXX at XXXX XXXX, Ohio. XXXX XXXX XXXX and XXXX XXXX XXXX are the companies used to finance the dental work. XXXX XXXX agreed to bill me a total of {$6500.00}. The cost of the dentures I have been asking them to cancel are Full upper dentures {$1400.00}, lower dentures are {$700.00}. I have the account detail. I agreed to pay all other fees. So far XXXX XXXX has refunded {$500.00}. Then yesterday I received a letter which reads XXXX first is refunding {$650.00}. The latter amount has not yet appeared on the account. The total amount XXXX XXXX   should credit is {$2100.00}. This is XXXX + $ XXXX {$2100.00}. So far all that has been credited is {$500.00}. If and when I see a credit for {$650.00} the only amount left is a credit for {$960.00}. Then this will be resolved. I have been a victim of Elder Abuse. 

Thank you XXXX XXXX
Consumer complaint received 2020-06-13
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: HCFS Healthcare Financial Services of TeamHealth (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (IL)

I am in the process of attempting to purchase a house, when credit was pulled XX/XX/XXXX it shows an outstanding account with a balance with Regional Acceptance for {$8800.00}. Upon discussion with my mortgage officer and receiving the a 1099-C Cancellation of Debt for XXXX, that was claimed on XXXX taxes, to call the company directly. 
At first i called Branch Banking & Trust because the way the 1099-C is written is " Branch Banking And Trust Company Regional Acceptance Corporation '' My phone call today were as follows : XX/XX/XXXX - XXXX unable to get to an agent XX/XX/XXXX - XXXX reached agent advised i was with the wrong department. She transferred me to XXXX. The department was too busy asked me to leave a message. left message. 
XX/XX/XXXX - XXXX Spoke with XXXX advised the balance was still owed on the account. I advised that i received a cancellation of debt letter 1099-C. she advised just states you are not responsible and we will no go after you. i ask why is this out stating then? she responding because you still owe the money i advised again then why did i receive this 1099-C to claim as added income to my taxes? She said she didn't know that is different department. i then asked which department it was she said " they only sent those out '' i asked how to resolve this because i received 1099-C she advised since the debt is still owed i can can settle it will show paid on the credit report then. I then asked " you want me to pay on a debt that is cancelled? she responded the money is still owed but it is up to you if you want to pay it or not it still stays on your credit. you can clear it up by settling the account. I asked for what would be the settlement amount she advised XXXX i asked " So if I paid this then I would get another 1099-C which doesn't make sense because i am claiming is income twice. '' She responded " you would have to talk to a tax professional, and those form are sent out by a different department. '' i asked which department to talk to she advised that they just send out the form and to talk to a tax professional '' i again advised i did and they advised me to claim it on my XXXX taxes. There was no resolution to call she kept trying to collect on a canceled debt so i ended the call. 
XX/XX/XXXX - XXXX spoke with an agent after explaining the situation said hold on one second and then transferred me to a fax machine. 
XX/XX/XXXX XXXX attempted to call back advised hold time was 25 min. disconnected call
Consumer complaint received 2023-05-26
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. (LA)

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines XXXX The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2020-08-04
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. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2020-06-13
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)

The incorrect balance on my home mortgage at XXXXXXXX XXXX was reported to XXXX and my credit score decreased by 49 points on XX/XX/2020. I contacted XXXX and they corrected the error. XXXX received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.
Consumer complaint received 2020-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

With current VA IRRRL interest rates very low, I have tried to refinance my current VA IRRRL at 3.50 % interest, the note for which is held by M & T Bank servicing the loan on behalf of XXXX XXXX XXXX , XXXX. For two consecutive months ( XX/XX/XXXX and XX/XX/XXXX ) extra fees have been posted to my loan payment statement for information sought by those potential lenders in regard to the " payoff amount. '' These fees are nowhere spelled out anywhere in my VA IRRRL documents ( completed in XX/XX/2014 ) as necessary to having the loan paid completely. A careful bit of analysis would seem to indicate this is a form of " ballooning '' the amount of the loan to the benefit of the servicing entity, here, M & T Bank. If they are allowed to continue to do this to all Veterans for whom they provide " loan servicing, '' this will amount to hundreds of thousands, perhaps millions, of dollars taken from Veterans who are on a single income - their VA compensation. I, personally, am not in fear of foreclosure as I have stopped the entire process of seeking a new VA IRRRL as the process had become far more complicated than I was initially told when contacted by these lenders ( there were 3 ). These " fees '' are not huge in terms of my loan, but I question by what authority does M & T Bank believe it has the right to raise the cost of my mortgage to me except through legally required notifications of a prospective change to the loan amount, i.e., I have an escrow account ; therefore, an increase in either or both property taxes and home owner 's insurance would be something which the servicing entity is required to inform me. I have carefully read my existing loan documents and can find no reference to additions to my loan balance either through " fees '' in order to provide information or then consequent increase in my mortgage balance.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2020-06-13
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. (GA)

I received credit monitoring alerts that my credit score was impacted at Experian, XXXX and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WI)

This is the continuation of the previous case # XXXX XXXX. 
We have the financial explanation from the processors and submit in specific evidence of their inaccuracies the payment of XXXX taxes. XXXX claims they paid the taxes. The city and county placed a lien on the property and without payment were going to foreclose. There were several independent payments made by me to satisfy the lien and stop the foreclosure process. Without forensic financial review capabilities, it is difficult to accurately claim other discrepancies. There is no mention of who at and why XXXX applied an additional {$200000.00} charge on our 2nd mortgage and how much interest they had charged on the {$200000.00}. What are the legal consequences of arbitrarily adding such a large sum of money? This action along with not sufficiently explaining their actions catapulted the mistrust and deciding to hold them accountable for their actions. The reason for bankruptcy is in part due to this continuous deceit from XXXX. Why keep changing the processors and how much of the fees they incurred came from changing processors? 
Their financial representation does not match that of the XXXX city and county tax assessors records. 

Once they removed the {$200000.00} fee wrongfully/illegally to our second mortgage we were supposed to receive information identifying any charges and interest associated with the {$200000.00} and that was going to be applied to a reduction in principle. 
What happens now?
Consumer complaint received 2020-06-13
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. (CA)

The incorrect balance on my home mortgage at XXXX XXXX was reported to Equifax and my credit score decreased by XXXX points on XX/XX/2020. I contacted XXXX and they corrected the error. Equifax received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.
Consumer complaint received 2020-04-13
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)

I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-04
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-13
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: TRUIST FINANCIAL CORPORATION (LA)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX/XXXX   XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX   XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I am Mr. Cooper customer since XXXX/XX/XX/XXXX. 
I had borrowed $ XXXX for my property at XXXX AZ at the rate of 2.75 % for 15 years. Loan Maturity wasXX/XX/XXXX. 
During last 15 days - I had three payments towards principal {$150.00} on XXXX XX/XX/XXXX {$15000.00} on XXXX XX/XX/XXXX and $ XXXX on XXXX XX/XX/XXXX. 

But Mr. Cooper is still showing that my loan maturity as old one. 
When i called Mr. Cooper once - they told me that loan maturity remains the same even when the customer is making payment towards principal. I sent one email also to Mr. Cooper 3 days back. Then i talked to Mr. Cooper on Friday ( XX/XX/XXXX ) -  after talking to escalation teams - they said that they may be  sending me a letter explaining revised remortgage statements. 

Ideally after the payment is realized - Mr. Cooper should revise the online account to show the change - not just reducing the principal balance.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (CO)

This is the second of 2 complaints Im filing against Equifax today regarding Equifaxs continued violations of my rights under the FCRA. On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX  shows that my mailing was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 2 of 2 was a Factual Dispute Letter regarding their reporting of accounts for XXXX XXXX, XXXX, and XXXX XXXX XXXX on my credit report ( please see attachments ). The 30-day time frame given for Equifax to investigate my factual disputes passed on XX/XX/2020. At XXXX XXXX today ( XXXX ), I called Equifax inquiring about the status of my factual disputes. After a long hold, I spoke with their representative named XXXX. While XXXX acknowledged receiving Enclosure 1 of 2, she told me they did not receive the factual disputes listed in Enclosure 2 of 2. XXXX offered to start a dispute for me via the phone. I adamantly refused! When I asked to be transferred to a supervisor, she put me on hold and then disconnected the call! I have proof Equifax received my mailing with 2 letters enclosed and have no intention of waiting an additional 30 days for them to respond to my request. Equifax is once again in violation of the FCRA. I believe Equifaxs goal is to intentionally cause me further harm by refusing to acknowledge and process my factual dispute and I demand they immediately delete all references to XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report.
Consumer complaint received 2020-04-13
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. (NE)

They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (NC)

My balance on loan is not being reported accurately as well being reported on time. Balance credit report shows is from XX/XX/2020. It is now XXXX and XXXX 's payment will be due soon. If I was missing my payments there seems to be no issue with the negative information being reported on time. So what is the issue with reporting all information accurately and on time weather negative or positive. I as a consumer have rights.