davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NY)

I booked airline tickets with a company XXXX using a barclays card number XXXX XXXX XXXX XXXX. XXXX issued fraudulent tickets not honored by the airline. I contested the charge, The credit card company sent ubnreadable correspondence from the merchant.I asked for readable copies .I asked by telephoning and in writing. The crediot card company never responded and demanded payment.
Consumer complaint received 2020-04-22
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-11-26
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America through its XXXX  XXXX XXXX  credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However BOA did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. BOA also took me to internal collections
Consumer complaint received 2016-07-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (SC)

On XXXX XXXX, 2016, we closed on a new house with a Mortgage from XXXX Bank and we made our first mortgage payment on time for XXXX XXXX, 2016. In late XXXX, I received a call from Freedom Mortgage saying they had purchased the mortgage from XXXX Bank. During this phone call, I asked multiple times where or who do I send my XXXX XXXX payment to and was told multiple times, I would skip my XXXX XXXX payment. I have since found out Freedom Mortgage has a recording of this call. 

On XXXX XXXX, 2016, I received a call from the collections agency of XXXX Bank ( now XXXX Mortgage ) informing me that my XXXX XXXX payment was late. After talking with the multiple people, in collections and customer service, I found there was no record of the mortgage transfer in XXXX 's system. As XXXX Bank just merged into XXXX, I was told later, it 's likely an error during the merger of the data from XXXX system to another. 

On XXXX XXXX, I also made multiple phone calls to Freedom Mortgage, the first XXXX people I spoke with again told me I did not need to make any XXXX XXXX payment, it was only until I spoke with a supervisor that I was told I did. I immediately disputed this and asked for them to pull and review the call. I also found out that a payment has been noted as being made to my mortgage account on XXXX XXXX, 2016 in Freedom Mortgage 's system which I did not make. 

I was very careful to ask, and asked repeatedly of Freedom Mortgage where to send my XXXX XXXX payment and was told repeatedly by multiple customer service representatives that I did not need to make this payment. The initial phone conversation with Freedom Mortgage made it clear to me that the loan had been sold and completely transferred to Freedom Mortgage as well. 



I took considerable effort and time in reviewing this issue with the Freedom Mortgage representatives before skipping a payment and was lead to believe by Freedom Mortgage that XXXX Bank XXXX XXXX no longer had any interest or ownership over my loan in late XXXX.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (TN)

This debtor has previously been told that this is not a valid debt. It was previously listed on my credit report as " XXXX XXXX XXXX '' or " DRS ''. These are medical debts that have previously been removed from my report and marked as identity theft -- The original creditor, " XXXX XXXX XXXX XXXX XXXX '', was informed and subsequently removed the accounts from my report. However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, as did Transunion and Experian. In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did XXXX not provide this documentation -- they put this information back on my credit report a second time. They are also still sending me collection letters. 

This is also a potential HIPAA violation. Providing requested documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is! This is NOT my debt. I have exhausted all means necessary to stop collections. The company still sends me letters and calls, even after it was removed from the credit reporting agencies and identify theft documentation was provided.
Consumer complaint received 2021-05-19
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: National Credit Adjusters, LLC (MS)

This Account is closed and the account removed about a year ago from my reports. Now it is added back after the co. Sold the account. And the Company that bought it is also reporting it and giving a different amount that was owed and open status and a brand new date for this account as to when it was opened.
Consumer complaint received 2020-10-26
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. (MD)

XXXX funding and Equifax XXXX I have dispute this information multiple times with XXXX and Equifax, this account is in collections and I paid XXXX XXXX and they said they will do a pay to delete, I have also sent the Equifax the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.
Consumer complaint received 2023-01-20
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. (VA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (NV)

I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.
Consumer complaint received 2017-12-28
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. (VT)

I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.
Consumer complaint received 2021-09-22
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: Nelnet, Inc. (AZ)

XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account XXXX  XXXX  - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies but not XXXX
Consumer complaint received 2023-02-08
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX OF XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX CO XXXX AZ XXXX XXXX XXXX XXXX {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I withdrew money from my retirement account with XXXX XXXX. I was issued a check on XX/XX/XXXX, it was received signed and mailed to my bank XXXX XXXX XXXX XXXX  ( not located in my state ). Placed in the mail on XX/XX/XXXX in a priority mail envelope. XXXX made aware check was not received by my bank abd iwas told it was cashed. Check was stolen in the mail. USPS police notified. XXXX then sent copy of check to me and affidavit of forgery was filed. From thence i was told it could take up to 120 days to hear from Wells Fargo. I followed up with XXXX every one to two weeks and informed that " Wells Fargo has not responded ''. I called today XX/XX/XXXX to find out the status and was told that as of XX/XX/XXXX Wells Fargo denied the claim because the check was endorsed by me originally. I was never notified by XXXX. I was given the phone # to Wells Fargo Fraud dept. XXXX. I was told Wells Fargo was unable to help me because I do not have an account with them, however they did inform me that this was not handled properly and that XXXX should re-file because it is illegal to cash a dually endorsed check. Can you please help me with this process.
Consumer complaint received 2020-07-03
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. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, XXXX, Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Equifax & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( Equifax ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( Equifax )
Consumer complaint received 2020-11-26
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)

I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact XXXX  about XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX  on XXXX, and XXXX  on XXXX. Ive also contacted transunion about XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.
Consumer complaint received 2020-06-01
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: FIRST PORTFOLIO SERVICING INC (MO)

XXXX  has removed the items below but have allowed the same companies to update the same information that's already been disputed and deleted. won't remove the following. 

XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting lower scores and incorrect info. 

XXXX XXXX XXXX XXXX  of XXXX XXXX  charter # XXXX I was told by two Women at the XXXX branch that I have been denied an auto loan that I absolutely qualify for, because of XXXX XXXX XXXX and other debt that was included in my Bankruptcy doing the recession over seven years ago. I was also told to consider a different bank because XXXX  dose't typically led to my " kind ''. 

I personally know and was referred to this credit union by several " XXXX  '' friends, family and even employees of this institution and several of them only have a XXXX  score with lots of debt, yet they were able to receive auto loans, mortgages and credit cards from your loan officers. 

I've been told by XXXX that the XXXX credit score to qualify is XXXX, I received a letter from XXXX  saying my XXXX  score is a XXXX. I have direct deposit with this financial institution, I make {$1000.00} per week and have zero loans or debt. 

Please consider taking a second look at this matter, because after further review and conversation with other credit unions, attorneys and city officials I've been informed that this is direct power thrusting and discrimination by someone with " XXXX   privilege '' being in a position to deny me because I'm a XXXX American and that's the only reason.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX. Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Corporation (MD)

A notice of cease and desist, as well as a certified proof of contract was sent to Capital Recovery Corp. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NC)

On XXXX after checking my XXXX XXXX report I discovered a credit card account that was not opened by me with a balance of {$4100.00} on it. After realizing this, I proceeded to call the number of the creditors listed on the XXXX XXXX XXXX. After explaining my situation they proceeded to freeze and start an investigation and that it could take from XXXX to 90 days. On XXXX I received a letter from TD Bank informing me that due to a lack of evidence to substantiate my fraud claim, it had been denied. The letter also included merchant sales and delivery confirmations copies. After receiving that letter, I proceeded to call the number at the bottom of the TD Bank letter in order to ask more questions about the issue. However, every single one of my calls got directly sent to voice mail. After many failed attempts on making contact, on XXXX, I was instructed to visit the legal office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with the Legal Officer, I was given a package with instructions on the necessary steps to take to move forward with my claim.
Consumer complaint received 2020-07-16
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}