davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
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: USCB, Inc. (AZ)

I discovered an unpaid collection of {$1200.00} on my XXXX  credit report. I proceeded to call the collections company listed on the credit report, Resolve Inc ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an Emergency Visit at  XXXX XXXX Hospital on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX Hospital and Resolve Inc. to get this matter removed from my credit report. I have disputed this situation with XXXX ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from Resolve Inc. dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. XXXX once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX Hospital sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX Hospital requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : XXXX, XXXX XXXX, Resolve Inc,  XXXX and XXXX XXXX XXXX XXXX am frustrated that XXXX will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.
Consumer complaint received 2019-08-15
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. (NC)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX   partial account number ****XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Consumer complaint received 2019-08-15
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: Freedom Mortgage Company (WA)

From XXXX 2019- XXXX 2019 mortgage payments were made to the mortgage company. in XXXX they reported my account was 30-60-30 days late. I filed a complaint asking for the company to correct the reporting in XXXX twice, with the second request filed on the XXXX of XXXX, then again on XX/XX/XXXX. The company has failed to correct the record even though there is documented evidence that the payments were made.
Consumer complaint received 2019-08-15
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. (CT)

The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is regards to XXXX XXXX account # XXXX on my credit file on Experian and XXXX reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports
Consumer complaint received 2021-07-13
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. (NM)

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/2008-XX/XX/2017, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/2011
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite XXXX written requests, Transunion has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts. 
First, INACCURATE REPORT is my NAME and ACCOUNTS. My full name is spelled XXXX I XXXX and not XXXX XXXX as Transunion is reporting. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX they have on file of these accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. The INACCURATE report MUST be DELETED together with the UNVERIFIED ACCOUNT below : XXXX XXXX SERVICING XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
XXXX attached copies of my correspondence regarding this inaccurate reporting of my credit file.
Consumer complaint received 2022-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I recently purchased a home in XX/XX/2021. My first payment was due on XX/XX/2021. I received a bill in the mail and promptly paid it. Since this was my first bill I only had a general idea on how much my bill was to be for which was approximately {$1200.00}. When I didn't receive my XXXX bill in the mail this prompted me to call the lender. Come to find out that the XXXX had delivered the wrong bill to me. It was my neighbors XXXX! My neighbor has the same lender as me so I did not note that it was her bill. I paid her mortgage for the month of XXXX by mistake.I have contacted the lender multiple times by phone, by fax and by email. To date, more than XXXX months later, they still have not corrected the error.
Consumer complaint received 2022-04-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, DEPT OF ED /XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, US  DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-15
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: CITIBANK, N.A. (TX)

Citi allowed fraudulent credit card accounts to be opened in my name without my authorization. I notified Citibank N.A That I was a victim of Identity theft, and advised which accounts were fraudulent as I have not opened a credit card with Citibank. Citibank responded to my complaint advising that I called in Advising all of the credit cards were valid and that I received these cards. Never once did I make any calls into Citibank and in fact I believe I have received 1 call from them total, that I did not answer and was left a message for. Yet Citibank continues to provide false accusations without proof or evidence of said calls. I am requesting at my legal right to have proof of these calls that are supposed me calling in to verify credit cards that I never received ever. The address that the accounts were opened with do not match my addresses, Isn't on my credit reports and isn't on my public records. So Again Citibank is fraudulently reporting fraudulent accounts on my credit profile, I will continue to dispute these fraudulent accounts with the Credit Bureaus as these were opened as a result of identity theft, and I never received any of the cards they are listing. As Stated, I have received one phone call from citibank " XXXX XXXX XXXX '' that I never called back nor ever responded to. 
FRAUDULENT - Accounts Opened by Identity THIEF that Citibank refuses to actually investigate nor resolve. 
Costco Anywhere Visa Citi Double Cash Account ending in XXXX Account ending in XXXX Citi / AAdvantage Platinum Select World Elite Mastercard Account ending in XXXX I never verified these accounts being mine, Because they are not. I never once called in to verify this, and If citibank is trying to falsely accuse, I want proof by recorded call where I stated these were my accounts, I never once called in and said this but I want proof of the call since they are clearly trying to prove the fraud based on fraudulent calls that never occurred. Again I did not apply 22 Times, I have not applied with your bank for a credit card at all. These accounts are fraudulent, and per law 603 ( B ) I am requesting my right as an Identity Theft Victim for these Fraudulent accounts to be blocked with all 3 credit bureaus effective immediately. Citibank is not conducting any investigations, and Do not care about victims of fraud. They do not assist with fraud and continue to report fraudulent accounts, and accuse actual victims of fraud. These tactics are shady and discrimination.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I hold two accounts with JPMorgan Chase : a checking account with a balance of {$11000.00} and a savings account with {$20000.00}.

The primary use of these accounts was for normal transactions among friends, many of whom are international students from XXXX. This included paying for goods, tuition fees, and other similar transactions. 

XX/XX/XXXX : My accounts were unexpectedly frozen by Chase. 

XX/XX/XXXX : I received formal notification of the account freeze. At this time, I was in XXXX due to XXXX and unable to travel to the U.S. to address this issue directly due to travel and visa restrictions.Since my account was closed in XXXX, I have made numerous phone calls, during which Chase Bank representatives consistently informed me it was 'under review. ' In XXXX, I was told that I needed to come to the United States to resolve the issue, prompting me to apply for a visa. 

XX/XX/XXXX : After years of attempting to resolve the issue remotely through numerous phone calls, I visited a Chase branch in the U.S. once travel was feasible. I was initially informed that the funds would be released within XXXX days. 

XX/XX/XXXX : I was informed that the funds had been transferred to Chases Global Security and Investigations Department and that they would not be released due to " suspicious activities. '' Chase has withheld my funds totaling over {$30000.00} without providing a detailed or justifiable reason. This action was taken under the guise of the funds being involved in suspicious activities, though these were legitimate transactions among peers for everyday expenses like shopping and tuition. 
The bank has now stated that they intend to permanently seize these funds. 

I believe that the bank 's actions to permanently seize my funds without clear justification or adequate communication is illegal.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (VA)

In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper. 
the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX  They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (KY)

XXXX XXXX  reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Consumer complaint received 2019-08-15
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (IL)

I repeatedly tried to fax them information, verify information, and have processed information for student loan forgiveness, student loan consolidation, and income driven repayment. They continually did not process information in a timely manner, could not tell me if they received information, needed me to send information excessively ( faxed daily for over a month ), and overall mismanaged my account to the point where I should been on year 7 of student loan forgiveness and I am currently on roughly the 3rd year which they state can not be corrected in any way.
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (DE)

My phone service was canceled with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for canceled lines. I called in XX/XX/XXXX and found they were billing me for an ancillary line. I canceled that line and they continued to bill me. I received another bill in XX/XX/XXXX and I again called XXXX XXXX XXXX. I explained that the line was canceled in XX/XX/XXXXand I called again in XX/XX/XXXX to cancel it. They deny having record of the phone calls. I filed a complaint against XXXX XXXX XXXX and their Office of the president called and left me a voice mail. I returned the call to the number they gave me and was unable to reach anyone. I then XXXX a number. When I reached a representative I was told they couldn't help me because they were not the rep assigned to the case. I explained the problem and was told I had to talk to the rep assigned to the case. After multiple phone calls I was never able to contact the rep assigned to the case. She was always out of the office for the day. Approximately XX/XX/XXXXor XX/XX/XXXX I received a collection notice from Sunrise Credit services. I responded to them in writing that the debt was not valid because it was the result of XXXX XXXX XXXX continuing to bill me for canceled service. They did not respond to my written statement. XX/XX/XXXX I got an alert for a change to my credit report. I checked to find that it is that fraudulent bill from XXXX XXXX XXXX. They are trying to force me to pay a bill that I do not owe and damaging my credit in the process. XXXX XXXX XXXX refused to deal with the issue by giving me a non-existent representative from their office of the president to deal with then sent it to collections knowing the debt is not valid. This is why I switched carriers in the first place. I was tired of XXXX XXXX XXXX 's shady billing practices.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

I have been in negotiations with Mr. Cooper/Nationstar for more than 5 years. During this time, I have attempted multiple loan modifications as well as multiple Pay-Off Settlements. Also during this time, my mortgage has changed ownership more than once, as well as apparently locations. Mr. Cooper has proved fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. In a document sent from the mortgage Servicer, Mr. Cooper, on XX/XX/2019, Mr. Cooper states that their records indicate that XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX is the current owner of the loan. With the contact information being XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The XXXX County Clerks office records the Assignee being XXXX XXXX XXXX , XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX   MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX AT XXXX XXXX XXXX XXXX, XXXX, TX XXXX Mr. Cooper 's Attorney, and Mr. Cooper associate, Ms.XXXX both have confirmed in writing this to be the correct address of the Assignee/Owner of my mortgage. A simple XXXX search shows that the address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX in fact does not belong to XXXX XXXX or Nationstar DBA Mr. Cooper. The owner of the address at XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, is in fact XXXX XXXX XXXX. Mr. XXXX, who is the Facilities Manager of XXXX XXXX XXXX has confirmed in writing that XXXX XXXX XXXX is the sole tenant of the building at this address. 

In addition, after the origination of my mortgage, alteration of the Note took place. After the origination of loan, the Note was stamped with the name of alleged Robo Signer, XXXX XXXX XXXX, Assistant Vice President of XXXX XXXX XXXX, XXXX. This stamp is not accompanied with a Notary Stamp to confirm a date or its validity, and appears ABOVE the signature of the Defendant ( Borrower ). As specified by Uniform Commercial Code 3-407. ALTERATION, ( a ) " Alteration '' means ( i ) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or ( ii ) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

( b ) Except as provided in subsection ( c ), an alteration fraudulently made discharges a party whose obligation is affected by the alteration unless that party assents or is precluded from asserting the alteration. No other alteration discharges a party, and the instrument may be enforced according to its original terms.