davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC (MO)

I have received an alert from my credit monitoring service a month ago that my credit score has dropped. l reviewed my credit score on XX/XX/2020 and seen that it had dropped 20 points on all three credit bureaus due to 2 negative items from Northwest Financial in XXXX XXXX Missouri. I have called Northwest Financial several times and I requested to be sent information that this is my debt, It has been a month and Northwest Financial still hasn't provided me any proof that they have an agreement with the creditor to collect this alleged debt, Nor would they provide me a contract where I allegedly agreed to pay these charges or signed. This company has been giving me the run around every time I call they say they will send me out the information again and yet nothing. These 2 negative items has lowered my credit score. Thank you in advance
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through XXXX. We got it the day before our first payment was due. At this point we were already set up for payments with Freedom Mortgage so we paid Freedom Mortgage on XX/XX/XXXX. The money was taken out on the XXXX, but was never transferred to the new servicer. They said we could pay them up until the XXXX. After the XXXX we pay XXXX, as it was transferred on the XXXX of XXXX. We let XXXX know and gave them to confirmation number on the XXXX after we made our payment. My husband has called Freedom Mortgage every week since the XXXX of XXXX asking about the transfer and each time they say we have a different amount of days to transfer. One time it was a week, another 45 days, another 60 days to transfer it all starting at the date of the call. They keep giving him vague answers and keep giving excuses for why it wasnt transferable. The first excuse was that it was a holiday so it would take longer to transfer. Another was that we owed in XXXX but our first payment wasnt until the XXXX of XXXX. At this point Im concerned this isnt going to get resolved.
Consumer complaint received 2023-02-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By XXXX XXXX XXXX in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$950.00}
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-08-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OR)

Hello, Last year I filed a complaint using Dept. of education and CFPB about this exact issue and while it seems that Dept. of Education 's explanation of COVID federal student aid relief was incorrect ( as was my own state Senator 's ) the combined complaints got NAVIENT to actually pay attention to my current IDR and got off my back and stopped falsely reporting missed payments ( considering you can't miss a payment if your payment is $ XXXX ). 
It's just frustrating that my IDR was good till around XXXX or so and I just recertified yet NAVIENT started asking for repayment before that and ignored my contact attempts to remind them that I'm up to date. And I just submitted my new one with the paperwork for my income- I'm literally making about $ XXXX currently and that barely covers my {$800.00} in rent and I did have food stamps but currently Oregon has a massive backlog on recertifying so I don't even have that right now. Like do I have to go down in person and submit this income verification!? And why did they just stop at a random date on my IDR? On my end I show a completed IDR done end of XX/XX/2022 and I started getting payment requests in XXXX. They are super difficult to deal with and seemingly just ignore or my verification stuff just " vanishes ''. 
The worst part too is that their negligence resulted in a massive ding to my credit which ended up costing me a really good place to live! I'm currently staying friends who are getting a divorce and will likely sell the house in XXXX and while I'm working on job certifications and training to move into better paying jobs I need around another half year of studying and training but now I have to worry more about finding suitable living arrangements by XXXX and that puts me in a really bad position now. Had my credit score not dropped by XXXX points I would've been in a home with a better rent situation for myself, closer to work and on an actual 1 year lease with agreements not to raise rent ( the homeowner was actually very kind ).
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

I was recently renting an apartment with XXXX XXXX. Upon move out they sent me a statement of charges I did not agree with and tried several times to discuss charges with the property manager. I called multiple times a week for over 2 months ( the months of XXXX and XXXX ). I even resorted to emailing. The manager avoided me at all times, promised to return my phone calls and emails several times and then sent me to collections. You can not ignore a dispute and then send someone to collections. I have all times stamped photos of the conditions I left the apartment in, my several attempts at discussing the problems with management, and their failure to ever address my concerns. They are charging me a total of {$380.00}.
Consumer complaint received 2023-01-16
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo worked out a payment arrangement when they added deferred interest on a charge account for a furniture store. They agreed to waive interest and allowed us to pay the XX/XX/XXXX payment by XX/XX/XXXX. They assured there wouldnt be any late payment reported on credit report. However they did report report after the account was paid in full the first week of XX/XX/XXXX prior to the date they set. My wife and I called them several times with assurances they would take care of it removed from all three credit bureaus. Each time we received a letter stating they must report to credit bureaus due to being compliant. No one would get us in contact with the department that will remove it. They only would say they would have it removed by the department. We have submitted disputes with all three bureaus with no luck several times. I know its our word against theirs but I assure you the truth is they are in the wrong. We are trying to get a house for our family and when this first hit my credit report it dropped me just shy of 100 points. Im told that once the 30 day late is removed it will jump my score 60-80 points and will allow for the lowest rate possible. Im pleading for you to step in and have this 30 day late removed from my report on all 3 bureaus. Thank you.
Consumer complaint received 2020-03-17
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. (FL)

Im in the process of buying a home but my lender is having issues with pulling my Equifax credit report. I have been reaching out to Equifax since XX/XX/2019, to get the issue resolved, now its mid XXXX and still having the same issue. Every time I call them they tell me there is no freeze, alerts, or block on my account, but my lender is getting error code : EFX-E0021 Applicant file blocked at EFX. When I call Equifax they always say there is nothing preventing the lender from pulling my report. I need help getting this issue resolved so I can complete the process of purchasing a home.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2023-01-20
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-03-17
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: CarMax, Inc. (CA)

I had called CarMax because I was behind due to lack of Child Support   payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX  XXXX  kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called Carmax explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX  of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

1. I was alerted by XXXX XXXX XXXX and XXXX XXXX on XX/XX/2024 that 2 regular donation checks and their deposits ( from XXXXXXXX XXXX XXXX  were missing from their records. XXXX donations had been received which alerted them to the missing XXXX deposits. 
2. Two checks ( bound for The XXXX XXXX and XXXX XXXX ) issued by my local credit union ( XXXX XXXX XXXX XXXX XXXX - XXXX, OH ), in the amount of {$500.00} each ( {$1000.00} total ) were never received or deposited by any XXXX entities. I was directed by my local credit union to have the receiving entity ( XXXX ) investigate. 
XXXX 's investigation was completed on XX/XX/2024, and summarized via letter from ( documentation can be provided ). XXXX does not execute business with Wells Fargo and could not locate the missing {$1000.00}. 
3. Both checks were deposited into the same Wells Fargo account ( documentation of the account numbers and check images can be provided ). To reiterate, neither XXXX XXXX XXXX XXXX XXXX XXXX have accounts or accounting business with Wells Fargo. In addition, I do not have any banking business with Wells Fargo. 
4. On XX/XX/2024, I contacted Wells Fargo via their website instructions ( using XXXX ) and was told by a representative to report fraud to XXXX. I completed this report. 
5. My email received a bounce-back automated response from XXXX stating that " If you are a customer, this email has been provided to you in error. Please contact Wells Fargo Customer Service at ( XXXX ) XXXX '' ( the same number that directed me to send the email ). 

I am submitting this complaint to seek resolution with Wells Fargo.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I was told my account needed attention and regards of one of my XXXX XXXX 's accounts being disconnected and the only way to reconnect was to match up the username and password information and when I did I was getting a error sign it was asking me to try again every time I tried to connect my bank to my Experian account it said incomplete I called and filed a case with one of the representatives XXXX was the case number I didn't hear anything back from anyone I didn't get to email a text phone call nothing and I filled this out on the XXXX of XX/XX/2020 call back today XX/XX/2020 ask to find out what's going on with my case number and they said they are going to give more feedback to the experience  boost department that handles experience boost I asked them if they could tell me when will I hear from him they told me that there's no timeframe I ask them what's the usual time frame they told me there's no timeframe that they can tell me I got a hold of her supervisor her name start with it a XXXX   and she gave me information in regards of deleting my accounts to reconnect them again now before I did that My credit score went down 15 points so I'm thinking like okay well I must have to do that then I must have to delete my accounts to reconnect them so I go to delete my accounts and my score drops 17 more  points I go to reconnect the accounts I just deleted on top of the account that was disconnected it's not allowing me now my credit score is XXXX from XXXX first of all the woman told me that she doesn't know what experience  boost does and regards of what they do to fix any issues but she told me that I should delete my accounts to reconnect my accounts but it dropped my score down even more she tells me that is nothing she can do this is heartbreaking this is life-changing, someone needs to be held accountable for this!
Consumer complaint received 2020-03-09
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. (TX)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (NJ)

This terrible awful bank decided to close my debit card without even notifying me. On, XX/XX/2020 I requested via phone call that checking ending in XXXX and savings ending in XXXX be closed. The remaining balance should have been sent via ACH transfer with completion no later than XX/XX/2020.
Consumer complaint received 2020-03-09
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. (TX)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 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 a account without my written instructions
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, 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
Consumer complaint received 2020-03-09
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. (AR)

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}