davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (TX)

Imagine struggling as a single father of 3, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my 31 years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. Zillow/XXXX  has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement ( Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record immediately,
Consumer complaint received 2021-10-21
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I entered into a contract with a company named XXXX XXXX for {$10000.00}. I cancelled the contract within the 3 business day requirements. Chase has not supported me and my dispute of that charge. I do not agree with Chase not honoring my cancellation. In a letter, dated XXXX XXXX, I also included the dispute about lack of services. It has now been 7 months with no services. Numerous letters, including extensive packets of documented evidence, were sent to Chase Executive Disputes, XXXX, FTC, Attorney General, and XXXX XXXX XXXX XXXX. This is clearly a case of fraud and Chase will not address the fact that I have paid {$10000.00} for nothing. Chase continues to refuse to properly investigate this scam. I have been bounced to FOUR different executives and they all gave the same " pat answers '' that included their reading of the verbiage of the cancellation policy ; NOT anything about the lack of services. A FIFTH executive did re-dispute my claim and actually, upon my STRONG request, read out loud the sections of my evidence which point to the lack of services. That re-dispute has been ended and the reason, once again was about the cancellation. It's obvious that my packet of evidence has not been researched. It appears that Chase is unable to recoup the funds and is going after me as an easy target.
Consumer complaint received 2021-05-28
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. (MA)

I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (AR)

NORDSTROM CARD SERVICES AGREED TO REMOVE ACCOUNT XXXX FROM CREDIT REPORT IF THE ACCOUNT WAS PAID IN FULL, THE ACCOUNT REMAINS ON THE CREDIT REPORT PER ALL 3 MAJOR CREDIT BUREAUS
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Amsher Collection Company has ignored the 2 letters I have sent them. Not only have they ignored the debt validation letter that was mailed to them on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, they have also ignored my second letter notifying them that they are violating both my consumer rights and the FDCPA regulations. That second letter was mailed out on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX ). To date, Amsher Collections Services as yet to validate the debts and continues to create defamation to my character by continuing to wrongfully report negative remarks to the credit bureaus, which in turn is causing damage to my credit score and my overall credibility.
Consumer complaint received 2021-03-05
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-11-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Recently, someone had accessed my bank account tried to steal a lot of money from me actually 2weeks ago. Today XX/XX/XXXX I have received another phony bill in my name by mail. The bill is dated XX/XX/2020 in the amount of XXXX. I have NEVER applied for an account with National Credit Adjusters/XXXX  XXXX XXXX which is whom this claim is about. I have not attempted to contact the business because as I mentioned that someone had attempted to break into my bank account. I did place a lock on my credit report with all 3 reporting agencies. I do not know if National Credit Adjusters is even a real company.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OH)

Well I been with Experian for over a year pay my utilities on time each month and there is no boost it's false advertising they are messing with people credit scores I pay electric, phone, internet, XXXX but it always says don't see utilities everyone I have talked to always have a different stories
Consumer complaint received 2021-05-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Statebridge Company (FL)

Every night I get a call from a company called Statebridge on my cell phone about mortgage debt. My mortgage is with XXXX. I call this company back after they call as indicated and it says they are not open. I call them during the day and it says your wait time is less than one minute and 3 hours later no one has picked up. I leave my phone number to call me in the order my call was received and I get an automated call again at around XXXX each night with no way to reach them. I try to visit their website as they say on their call- but any link you click on the first page says server error and wont open. Now theyve sent a letter telling me theyve started the foreclosure process on my home. Theres a separate mans name and number- and of course no one answers that call either. I cant get in touch with the company and I dont know who they are but Im afraid NOT to respond because my husband left 2 1/2 years ago and Im worried its his debt on my house. What can I do if no one ever picks up the phone? They send me fed ex letters- hang things on my front door- but no one answers ever!
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In response to : XXXX I went into my local branch at Bank of American to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly by going into a local Bank of America branch and being told recurring payments were setup properly. 

I then went back into my local branch and was told that I needed to fill out a form and this is why the automatic payments were not setup properly, this is not true. 

I was able to have my son help me do what an employee of Bank of America said he did and that was setup recurring payments. I was able to log into my account online and successfully setup recurring payments. 

The payments were made as one-time payments because the employee from Bank of America didn't do what I was told was done otherwise this would not have happended. 

Attached is proof that I have been getting the runaround. 
1. Told by employee that automatic payments were succesful 2. Then told I needed to fill out a form ( which I will provide ) 3. A screenshot of my son showing me you can do it online. 

If you look at the response of complaint : XXXX. You will see that even in that letter they tell you to call a number. It's a complete mess.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America Debit Card and Pandemic Unemployment Assistance Funds Debit card was never used and never funded My Independent Contractor unemployment claim filed in XX/XX/2020 should have resulted in XXXX retroactive benefits of {$600.00} per week for the months of XX/XX/2020 through XXXX of 2020. 

Weekly benefits were direct deposited by XXXX for XX/XX/2020 through XX/XX/2020 A XXXX  weekly benefit of {$600.00} was direct deposited on XX/XX/2020 and an amount of {$1800.00} was direct deposited XX/XX/2020. 

A total of 50 weeks XXXX should have been received or {$30000.00}. I received {$2400.00}
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company Capital One Bank USA N has took action against me in hurting my consumer credit report by reporting wrong information. They are attempting to collect {$2700.00} dollars. They have continue to report charge off to my account. the company took action in calling every day of XXXX XXXX XX/XX/XXXX to attempt collect a debt owned to them, harassing and using aggressive tone matter on me, during a time where i was injury at work mentally and physically by court order for the XXXX to XXXX year. I ask them to please stop calling me till further notice, which violated my consumer rights under section 15 U.S.C 1692 having a debt collector harass, or use tactics that include trying to collect a debt. This issue should be resolve as it has step me from getting consumer credit, and have tarnish my credit report information.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

The debt is not in my name, it is in my husbands. I informed Phoenix Financial in the past they need to call him. They called again on XXXX the XXXX and proceeded to give me all of his information on the debt to the Emergency Room. I did not have to give any identifying information. And I do not think that is legal. 

I informed the caller that she needed to call him, and I was told, " Well your number is the first one listed. '' And hung up. It isn't. The debt is in his name!!! 

I am sure they are using this tactic for a lot of married couples, and that is not right. I do not have anything to do with this.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been dealing with Transunion, XXXX and XXXX of a medical bill that has been paid but still remains on my credit, I have sent them documentation only to be told that it would remain on account, this item needs to be removed immediately from all three of my credit report, there is a o balance paid in full
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

I received a collection letter from XXXX XXXX XXXX XXXX on XX/XX/2021. This letter was dated XX/XX/2021. It claims it is an amount owed to XXXX XXXX XXXX XXXX which I never received a bill for this amount. I closed my account with XXXXe on XX/XX/2021, and never received a final bill from them. The first bill I am receiving is this collection letter, which has no detail as to what the charges are for. Upon attempting to contact XXXX, I was told that I no longer have access to information on my account, due to it being closed. I do not believe this collection notice is justified nor legitimate, as XXXX has made no attempt to inform me of these charges.
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (TX)

To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have called and emailed Fedloan several times about fiing my qualifying public service loan forgivenss payment count errors. I submitted a in school deferment waiver and eqch time I talk to someone they say it will be updated and fixed, but it still has not been. They recieved a waiver for XX/XX/2021 but did not apply it. Then I was told to do another and give also give my verbal okay for it to be aplied. Then it still wasnt fixed. Then tI called again and they said they had 2 waivers and... then multiple calls again .... to no avail of it actually being fixed. The last time I spoke with them they said the people that fix it probably saw the wrong form and didnt fix it and that she would notate it. It still hasnt been updated.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX, Transunion and XXXX to notify them they are in violation for not entering a notice of dispute for this account that I disputed in XX/XX/2021 and XX/XX/2021. They had plenty of time and failed to enter a notice of dispute within the timeframe allotted by the FCRA. As usual, XXXX ignored me and continues to report this account as if they are not in violation. I also wrote XXXX directly with no response. Creditors and credit bureaus can not continue to violate and have no penalty or consequence for their complete negligence for consumer laws.
Consumer complaint received 2020-11-23
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. (FL)

I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2020-06-02
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. (GA)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}
Consumer complaint received 2021-05-27
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. (MA)

I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you
Consumer complaint received 2018-03-01
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. (MI)

On XX/XX/XXXX, I received my credit file from XXXX/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and XXXX Confirmation number XXXX investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX credit and is now called XXXX XXXX XXXX XXXX for XXXX tire in XXXX XXXX Michigan for XXXX XXXX and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from XXXX as well as XXXX and Experian , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that XXXX, XXXX and Experian should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my XXXX file and she stated that the closing date is not in their system but the last activity XXXXI know this account is more than XXXX XXXX old.Therefore, XXXX investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.