davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

Creditor : XXXX XXXX Account number : XXXX XXXX Account # : XXXX Balance Due as of XX/XX/22 : {$220.00} Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX NY XXXX This debt is from a spectrum bill that was sent to a previous address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX The bill is not mine this bill belongs to XXXX XXXX who owned the apartment. The spectrum bill that went unpaid is from another person not me. 

The unpaid debt is not mine and the spectrum account is not mine. 

Please remove this negative charge from credit reporting and dismiss the debt because I do not own it.
Consumer complaint received 2019-01-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX  of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (AR)

I received a call by XXXX XXXX with XXXX XXXX. XXXX She told me I was being sued for credit card fraud and wanted to meet me at my home. XXXX XXXX was given to my home ) in order to serve me the lawsuit papers. She then gave me a phone number to call XXXX for the XXXX office. She gave me a docket number XXXX XXXX 
I called the number to check and verify. The man on the phone said gave me my address and XXXX #. He also gave my wife first name. He claimed that my fraud debt was with Bank XXXX and it totaled over {$11000.00}. He offered to reduce if I paid {$4000.00} now. I told him I did not have a card and did not owe. He then told me that that was too bad as XXXX would not be happy or safe. I hung up.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried disputing the reporting of my mortgage with Transunion several times and the most recent attempt does not even show a result. It was submitted in May. It is reporting as 60 days past due on only the Transunion report but with a history of never having a payment 60 days past due. The other bureaus have it correctly reported as current. The loan is under forbearance and, therefor, should be reported as current with no late payments. I confirmed this with the lender by phone, already. I simply can not get anyone at Transunion to fix this and I am trying to refinance my mortgage so it is making it impossible. Every day that this stays on my credit I am losing money I don't have.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (IN)

Again today ; XX/XX/2019 I tried to sign in my Wells Fargo online account information. It did not recognize me again. I just was re-instated on XXXX XXXX as Wells Fargo sent me a notice there was suspicious activity on my Card in XXXX. I tried to call when I received the Letter via USPS explaining this and my card was placed on hold .. I called and left a message. At that time as the signer wasn't there. He returned my call and refused to talk with me as I could not provide my Verbal password I reset in XX/XX/2019. It had been blocked as it was invalid since XX/XX/2019. It seems when I make an XXXX Purchase. XXXX  XXXX and / or XXXX submits two seperate charges. One for the Purchase for the Product. One for TAXES. Wells Fargo sees this as a breach. I've been breached at Wells Fargo 7 times IIRC.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Messerli & Kramer P.A. (MN)

Messerli & Kramer received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. Messerli & Kramer has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian is reporting incorrectly a collection on partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. XXXX is reporting correctly. I have attached a copy of the deletion letter from XXXX and respectfully request that Experian remove this line item from my credit report. This reporting of a collection that does not exist is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2019-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (GA)

We closed on hour house in Tennessee on XX/XX/19. Our payoffs to the Mortgage and HELOC were applied on XX/XX/19. The Mortgage was cleared out immediately, however the HELOC had an over payment. I called in to XXXX XXXX the week after that and was told it would take XX/XX/XXXX business days to receive a refund check. After that time had elapsed, I called again and was told that I would have to wait until the statement cycle ended then it would be XX/XX/XXXX business days to receive a refund check. I called today XX/XX/19 and was told now that it will take 45 days from the end of the statement cycle, with 5 days off so now I have to wait another 40 days for them to give me my money back.
Consumer complaint received 2022-07-08
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. (IL)

Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the ( XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-01-16
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. (PA)

Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc. (CA)

in 2020, I filed complaint no. XXXX, regarding this same issue. They are misrepresenting amounts, excessively flagging the debt on my credit report and I do not owe the debt. As I sated before,, this debt is tied into a class action lawsuit. This collection agency harassed me to the point that I had to tell them to stop the excessive calls and robocall voicemails. Recently, they added several additional accounts that were illegally duplicated and I have already addressed this issue with XXXX. I called to speak to someone and the woman was threatening in nature and refused to answer when they sent information about this additional debt in writing. When I told her that I do not owe this debt she told me that I better call the XXXX?? I'm not sure why calling the XXXX was mentioned, but their staff is XXXX and XXXX. This collection agency constantly misrepresents the amounts to confuse debtors and the constant flagging of debts that is not owned. I have contacted my attorney again regarding this issue. I'm uploading case information regarding my active lawsuit regarding one of the debt amounts. I provided proof of payment on another amount to this debt collector on XX/XX/2020. There was another amount that was paid and they are still to collect it again. They misrepresent amounts to try to collect debt more than once and it needs to stop.
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act CAPITALONE account # 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 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NC)

I received my XX/XX/XXXX statement from American Express and paid the balance of {$7300.00} in full and on time. I opened my XX/XX/XXXX statement expecting to see a XXXX balance - instead, there was an interest charge of {$60.00}!! I had made no additional purchases, which was confirmed on the statement. I called American Express XX/XX/XXXX and inquired how could I be charged interest on a XXXX  balance? The CSR stated it was trailing interest and I would be charged a late fee if not paid. I specifically asked if I would receive a statement with a XXXX balance and I was told yes, and I mailed the payment, on time. Today is XXXX-19 and I have not received a XXXX balance statement. First of all, I can not believe it is legal to charge interest on a XXXX balance. Secondly, American Express has habitually failed to mail my statements and I have called multiple times over the past 2 years having to request statements. I don't believe American Express is operating in good faith. It seems to me they are deceptive charging interest on a XXXX  balance AND they don't mail statements - which may be to generate late fees. I'm sure collectively, I have spent hours on the phone to request statements. By the way, I never made a late payment, ever.
Consumer complaint received 2019-01-16
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: Experian Information Solutions Inc. (WA)

I am unable to get a copy of my credit report. XXXX and Experian both replied, " no credit report. '' I am trying to get a secured or non-secured credit card to build my history for a VA loan. I need something in hand to take to a bank or lending institution.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX  NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX  and the bank is further away than the previous bank.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (MA)

I went to the hospital. I received a bill for the emergency room and the Doctor. I resubmitted my insurance ( XXXX XXXX XXXX XXXX XXXX ) as I had done the day of my visit. After receiving a bill I asked why they were not sending it to my insurance company as this was a covered expense. I did not hear back for a very long time ( years ). After many forms of communications I was told that the bills would be complimentary forgiven. More time has past until I started to receive many many phone calls at my home, at work, and both of my parents home and phones. There were over 50+ calls a month on the average. I told them that the bill was forgiven, but then they became very rude. I then started to receive statements in the mail which I would respond to right away. I would tell them as I have to you, but the calls and letters have increased.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Money taken out of my checking account for a payment I didnt authorize and has put my checking account in the negative by almost {$800.00}. 

I called and made a payment for XXXX payment that was processed on XX/XX/2020 for {$1300.00}. This includes my mortgage payment plus a {$17.00} payment processing fee. 

On XX/XX/2020, an unauthorized mortgage payment for {$1200.00} was debited from my account. 

Why is the company taking money from my account without my permission? 

I was told that because Im paying my XXXX mortgage payment in advance, Im not authorized to pay on-line. And my only options are paying by telephone with a representative for {$17.00} or by mail. 

I didnt want to take the risk of having payment lost in the mail, so I chose the telephone option. 

Now, my checking account has unauthorized drafts.
Consumer complaint received 2019-01-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

I contact PNC regarding why my outstanding principal was not going down off pay for 11 years .It was told to me during the loan process that it was a fixed loan second mortgage and will be paid off with in 15 years but come to find out this is not true and was not disclose that is a home equity installment loan. I did not find out into I reached out to PNC asking more question about this loan type. They told me that I can refinance the loan which is almost the same amount that I started with for another 14 years. 

The correct information was not disclosure to me and my family regarding this loan. All the money I have paid in the last couple is going to the bank not to the loan amount which is still high. I am requesting that the company put some of the money I have paid into the loan because I did not fully understand the terms of agree upon at the time of services and was told something different. If lender states you are get a second mortgage ensure that the correct information is disclose to you and not get a home equity installment loan. This product is a waste they money thing you pay of your loan just too find out that you still owe the same amount. 

Please feel free to contact me.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

My daughter passed XX/XX/XXXX in XXXX XXXX. She was XXXX XXXX XXXX. My daughter had credit card debt. I mailed letter deceased notification with a death certificate to each owed. Received letter dated XX/XX/XXXX from XXXX XXXX ref XXXX original creditor Synochrony Bank acct balance {$2200.00}, acct endin in XXXX, they transferred debit into my name. My daughter left no will, she had no assets, not even her car was paid for, owned no real estate. They call me every day leaving messages about my debt and going to sue me. I am not responsible for my daughters debt and they transferred it into my name. I did not authorized nor did I accept or agree to pay the debit.
Consumer complaint received 2020-09-23
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: WELLS FARGO & COMPANY (GA)

I contacted the Wells Fargo Board requesting their help in addressing a Mortgage issue that has spanned nearly 10 years. Once again they provide an incomplete review of the matter from inception. They have also refused to allow other team members to provide input into the matter that would be helpful to their customer<XXXX XXXX, XXXX XXXX, XXXX XXXX and others>. WF 's mishandling of this matter along with its co-conspirator XXXX XXXX has resulted in significant financial loss and credit reporting damage. While the WF board has been changed recently it has yet to imptove its accountability to its customers.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received my Tax return amended I've received its on XX/XX/2022 the check was issued on the XX/XX/2022 I made a checking account online with citi bank. They put my account on blocked and kept my funds. I've called for many days back to back stayed on hold for 3 hours plus just to hear them say call again tomorrow or we can't help you. It's the XX/XX/2022 and I haven't been able to get my money. I received email for my account saying they received my deposit but won't give me my money. The check was for XXXX they gave me the XXXX cents to my account but kept the XXXX.