davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Please know this is in regards to a closed/paid in full account.On all three credit bureaus my account with XXXX is showing a delinquency beginning XX/XX/XXXX, which is reporting as 60  days late. I had reached out to XXXX to request verification of when my account first went delinquent through their online website. I never received a response from them. I feel I have the right to know and seek validation. On their site I did verify my pay off date as XX/XX/XXXX and on the same document is says my account had " 0 '' delinquent days. Therefore, I would like to obtain verification since all three credit bureaus are reporting 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX and 120  days late as of XX/XX/XXXX. This is adversely effecting my credit ratings with the bureaus. Also I do not understand why if my account is closed that they would still be producing letters to send to the IRS. My account is closed with them and there should be no further documentation produced in reference to a loan that was paid off.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX
Consumer complaint received 2023-01-29
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. (NY)

XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX  30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (HI)

This complaint is in regards to a credit balance refund that I have not received yet on my XXXX credit card. 
XXXX XXXX There was a negative balance of {$80.00} XXXX XXXX Sent an email to Macys requesting a credit balance refund check XXXX XXXX Emailed XXXX stating I didnt receive a check yet XXXX XXXX Called XXXX customer service regarding the check Ive never received yet. Customer service agent said it would recieve it in 7-10 business days. 
XXXX XXXX Called XXXX customer service again stating check has still not arrived. 

It is now XX/XX/XXXX and I still have not received my credit refund balance check of {$80.00}
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (FL)

CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (IL)

Fay Servicing has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XXXX and they were not even established as Fay Servicing until XXXX. Furthermore XXXX held my mortgage in XXXX to XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

after my 2nd and 4xs multiple attempts this afternoon to contact equinox and get my annual report, the online portal doesn't work, I was verified by 2 people who offered me final report by mail. no one in 6 people today could tell me who or why the online system wasn't working. I mentioned that, I was seeing that equifax had many online products and services, yet they were not adhering to making the annual credit report available as required by law. The agents asked questions like '' what was the month and year you last received a credit report???? how would anyone remember??? I was asked the payment, balance and monthly payment for 4 accounts and then 3 or 4 more questions ... .Equifax is absolutely stonewalling consumers out of their annual credit reports. PLEASE let me help you sue them!!!!
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (MI)

I did not receive notice of this collection until it appeared on my credit report. XXXX. I didn't receive any phone calls making me aware of this debt. The company collecting debt is Amcol. The date of service for the debt XX/XX/XXXX18. 
Contact # XXXX. The provider of service was XXXX hospital of XXXX mich. My credit score was damaged, I was not aware of this Debt.
Consumer complaint received 2019-09-18
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: SYNCHRONY FINANCIAL (NJ)

XXXX report show cc to syncb/bp ... I complained to them and they said it is my account and I should call BP MYSELF XXXX..called them on XXXX and they do not have an account in my name and would send a letter to XXXX to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX again I always pay over the amount do on all my cards ... .this is not mine..XXXX   confirmation XXXX ... BP said it would be corrected within 30 days..well 30 days is up and it is still showing up on XXXX report
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My complaint is against XXXX and Experian credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX  XXXX XXXX, account # XXXX open XXXX 2013 and the second account is from XXXX XXXX XXXX, account # XXXX date open XXXX 2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates has purchased an account from XXXX XXXX that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.
Consumer complaint received 2019-04-12
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: Bread Financial Holdings, Inc. (FL)

This is my first time filing for bankruptcy and I was told per my attorney that, a credit company that is listed as a creditor can not in any shape of form request, change or collect any monetary payments. XXXX is plastering late payments and adding extra fees the account. Instead of reporting close and removal of late fees, XXXX   is steadily adding late fees and late payments to the credit report. I have 6 late fees reporting and they need to be removed from all credit reporting agencies. 

The photos listed is how all of the accounts are reporting. There is 6 on time payments so why not remove the negative? Why not let the past go and move on to the future?
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

In XXXX of 2022 an escrow analysis was done on my mortgage account using incorrect information, leading to my payments being {$800.00} more a month. I contacted the company via their messaging portal and phone calls over 20 times to try to get my account fixed. Every time I made contact, I was told a different story to how and why the issue still was not resolved and was given a new date that it would be fixed by and told that they would follow up with me. After getting nowhere with fixing the escrow account, I was told that I could cancel/waive the account and it would take 12 days to process. I followed their instructions to waive the account, waited 12 days and still no resolve or any correspondence after another month. I have made several more calls and the customer service department claims they have no way other than email to communicate with whomever can make the changes to the account. I am told that they will " elevate '' the request and follow up. And again I get no response and no resolution.
Consumer complaint received 2019-04-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

MR. COPPER OR NATION STAR MORTAGE HAS WITHHELD {$2000.00} PAYMENT FROM US. THEY SENT A CHECK TO XXXX XXXX HOWEVER XXXX XXXX   REFUSED TO CASH THE CHECK BECAUSE THEY HAVE NO RECORD OF AN ACCOUNT IN OUR NAME. THIS ACCOUNT WAS DISCHARGED IN A XXXX BANKRUPTCY.. 

AGAIN, XXXX XXXX TOLD US THEY CAN NOT CASH THE CHECK AND RETURNED THE CHECK TO MY WIFE AND I ; WITH MR. COPPER OR NATION STAR MORTGAGE NAME ON THE CHECK.

NOTE : WE WENT TO A LOCAL BRANCH OF XXXX XXXX AND THEY TOLD MY WIFE AND I THEN, IN XX/XX/XXXX THEY COULD NOT CASH THE COOPER CHECK. 
PLEASE INVESTIGATE MR. COOPER / NATION STAR MORTGAGE AND HAVE THEM REFUND THE MONEY TO US $ XXXX/
Consumer complaint received 2023-01-29
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. (MI)

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX BEST BUY/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2022-11-30
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. (GA)

XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Service, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS. 

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Consumer complaint received 2022-11-30
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. (GA)

XX/XX/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 XXXX XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Consumer complaint received 2019-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We were paying Homeowner 's insurance on the property at XXXX XXXX XXXX XXXX FLXXXX.Through an insurance broker XXXX XXXX  XXXX located at XXXX XXXX XXXX , XXXX Fl XXXX . 
Our mortgage company usually send this check to them, as of today we have never been notified by any source that our insurance has been canceled verbally nor in writing, that we no longer have home owners insurance and needed to get temporary or permanent insurance for our home. 
I returned home from my regular job as an XXXX XXXX XXXX XXXX XXXX ( 48 states ) to find a huge leak in my front room which was caused by a 2feet 6inches oak tree I also have leaks at the side of the house on the roof and at the back of the house. 
Immediately I cut down the tree with a chainsaw and i placed a tarpaulin on top of the roof but the roof is still leaking. 
I contacted XXXX XXXX XXXX via phone ( XXXX ) XXXX, and spoke with Miss XXXX XXXX on Monday XX/XX/2019 who gived me the run around.She told me their company were closed and I needed to contact my mortgage company. 
I contacted my mortgage company Select Portfolio Servicing , Inc who was cooperative they send me a copy of check number XXXX that the insurance broker cashed. 
Presently we are still paying insurance on our mortgage we did some research on the internet finding out possible insurance companies that this broker XXXX XXXX XXXX were working with or is working with, one of them have in their records a policy number XXXX the same number that our mortgage company have in their file. 
We are not sure if XXXX XXXX XXXX were cashing the checks and paying it to a different insurance company or if they were holding the money for themselves. 
I was told by that insurance company ( who I can not recall ) that I no longer have a policy with them, hence, we are not sure which insurance company we are insured with, what we do know is we are paying XXXX XXXX XXXX and they are responsible to pay our claim also Select Portfolio Servicing, paid XXXX XXXX   XXXX without having proper proof, evidence or declaration of insurance coverage. 
Please investigate Thanks in Advance.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I need to have my alleged debt with XXXX XXXX XXXX XXXX  addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

I have been banking with Wells Fargo for XXXX  years with in my XXXX  years I have had problems with my checking account XXXX minute all my money is in my account then another I can go buy things and look back on it and its telling me I owe all that money back when I kno how much I have spent the other problem is I call up there in told them to take that overdraft fee off if its not there let it not go thru they still have it on my account XXXX if I dont have the money there now they charge me XXXX dollars every time a lil payment come out from anyone thats trying to charge my card and I have to pay back XXXX more out my pocket I am tired of it I call up there to tell them the problem they couldnt have me with anything XXXX what I do now from this time on I have stop putting money in that account in it in if anything being tooking off it I put money in that account but they still charging me the extra money also
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC. (IL)

I have sent a certified and returned received letter on XX/XX/2019 asking Pinnacle Recovery , Inc. XXXX XXXX, XXXX , CA  XXXX to validate the debt. They have not responded to my request. After sending the letter to stop calling they continue to call. I have received over 4 phone calls after the letter was sent. 

1st phone call was on XX/XX/2019 2nd phone call was on XX/XX/2019 3rd phone call was on XX/XX/2019 4th phone call was on XX/XX/2019
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.