davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Mortgage Group, LLC (TN)

I am a XXXX Veteran and I trusted XXXX XXXX XXXX with my private information to do right by me so my kids and I can have a home. On XX/XX/2018 I told XXXX XXXX, sales manager for XXXX XXXX XXXX   that my credit scores were above XXXX. XXXX XXXX told me if that is the case he can get me 4.125 % interest rate. On XX/XX/2018 XXXX XXXX pulled my credit and said he can get me a 4.325 %. My scores are excellent and above XXXX. I said you told me that you can get me a 4.125 %. XXXX XXXX was not being transparent with me. 

On XX/XX/2018 called XXXX XXXX XXXX and talked with another loan specialist and he told me I can get a 4.2 % interest rate with my credit scores. And he said I can buy down the rate to 4.0 % with {$2000.00}. 

I got a call from XXXX XXXX on XX/XX/2018 and he yelled at me, " You called one of my fellow employees and we can not work like that, you need to get a loan from another company. '' I told him I signed my contract and you pulled my credit reports and got my bank statements, driver license, and Certificate of Eligibility. He said, " it does not matter. '' I asked him to take the inquiries off my credit reports and return my complete file. XXXX XXXX hung up the phone in my face.
Consumer complaint received 2022-04-05
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. (MD)

I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

what a mess dealing with santander last XXXX they agreed to payment then mysteriously lost the information along with my call then 45 mins later they reopessed the vehicle then after that i got bounced around for weeks trying to find out where the vehicle was finally after weeks i paid it off now on my credit instead of reporting paid in full they report 120 days late everytime i talk to them they tell me that file a complaint if you dont like it not to mention they have never repsonded to the damage claim i filed from when they illegally took the vehicle
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital system sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Jefferson Capital System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have received an alert that a collection was added to my credit file and when I checked my credit it was an XXXX XXXX bill from 2016. I called enhanced recovery and told them that I never had a XXXX XXXX   bill and that I never received any notification from them before they placed this on my credit. The guy said he would mark it as fraud however I received another alert where they had added it to another credit bureau. I spoke with XXXX XXXX/XXXX  and the lady was having a hard time finding the account because it was under my name but under a address I have never lived at. This is not my account please delete.
Consumer complaint received 2021-07-17
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. (MA)

I did everything by the book, and I paid off a default judgment to the law firm that the judgment applied to. XXXX XXXX XXXX agreed to make sure the satisfaction of judgment was filed, and to remove the account from all credit bureaus. To date XXXX XXXX XXXX has not applied fair process on this matter, and I ask the credit reporting agencies to get involved. Thank you. 

XXXX XXXX
Consumer complaint received 2020-11-16
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: Bread Financial Holdings, Inc. (CA)

I opened a credit card with comenity/Victoria secret for XXXX. On XX/XX/2020 Upon opening the cc account I placed an order for XXXX. I received the items on XXXX XXXX. I never received a physical credit card from them, just the bill. On XX/XX/2020 ... I received an update from my credit report stating that my account was closed. I did not close it and on top of it ... it was on mycredit report as a closed account and it caused my credit score to drop. 

I call Victoria Secret to find out why the closed the account and also called comenity. The provided me with a comenity dispute P.O. Box number ... and did little else. 

I asked both companies to remove the closed account ding off my credit report and they said they could not. Btw I paid the XXXX bill because I received the items and didnt want it marked as late.
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

This is what the XXXX  said : They said the data was correct. I have the bank statement where it was paid directly to the doctor 's office. XXXX XXXX on XX/XX/2019, and posted to my account on XX/XX/2019, for the amount of {$570.00}. This is causing major problems with my ability to get a student loan for my daughter and time is of the essence. 
INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Past Due. Here is how this account appears on your credit report following our investigation. 

CREDIT CONTROL CORP XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX This account was paid {$570.00} was paid in full full on XX/XX/2019, at the doctor 's office. I can provide you with a statement of {$570.00} from XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit inquiry made today on my credit report from XXXX XXXX bank. I was not aware of it nor did I authorize this. I was notified by 2 of my credit monitoring companies.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

PHH Mortgage Services XXXX. XXXX XXXX XXXX, NJ XXXX has been lying to me about them paying my property taxes since XXXX. They claimed they paid the property taxes on XX/XX/2020 with check number XXXX for the amount of XXXX. The tax office Main Office Phone : XXXX XXXX  XXXX Tax Department Phone : ( XXXX ) XXXX has been telling me since XX/XX/2020 no taxes has been paid. Phh Mortgage has increased my mortgage loan from {$530.00} mortgage loan and insurance to {$1900.00} to cover taxes they claim they have paid. I have continued to pay my regular loan payment but they will not post the payment to my account they keep lying to me and insisting I pay the XXXX for 18 months they have paid the property taxes. They have set up the website Phhmortgage.com where I can only pay the XXXX with no option to pay a different amount. I have to use my Bank bill paying service I get confirmation from my Bank but payments are not being posted to my mortgage. When I call Phh mortgage they received the payment but want XXXX is their I should pay for a mistake they have made this has been going on since XXXX with no response from PHH mortgage. Phh Mortgage don't sent out monthly statement email nor regular mail I complain about this all the time.
Consumer complaint received 2020-08-30
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 — Investigation took more than 30 days
Company: Phoenix Financial Services LLC (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Consumer complaint received 2018-03-30
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: Neon Newco Corporation ()

XXXX XXXX submitted her debit card information to XXXX credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates I recently paid off 7 accounts with you that company. They are reporting these accounts with a status of 120 days or more past due, I NEVER had any contractual account with them at all, never an agreement to make monthly payments. They are inaccurately reporting negative information. They updated the 7 accounts by decreasing the balance when it should be {$0.00} balance. You can not report a status of 30,60,90, nor 120 days past due when I wasnt liable to Portfolio for a monthly payment.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Tesla, Inc. (FL)

I sent XXXX XXXX ( {$1100.00} XXXX to this website : XXXX XXXX XXXX  I first heard of the website on a XXXX post on XXXX XXXX XXXX XXXX feed. Turns out it is a scam and now I lost this money and have no way of getting it back. The website says that it is hosted by XXXX, which is probably fake. 

The digital wallet that I sent my coins to had this address that is also on this website : XXXX
Consumer complaint received 2020-09-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-09-14
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: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2018-07-11
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)

I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 
I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 
My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 
I demand reinvestigation this dispute for account information from XX/XX/2017-XX/XX/2017 " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 
I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Re : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XXXX XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove  the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XXXX/XXXX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, 2016, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You may only contact me via email at XXXX. Regards, XXXX XXXX
Consumer complaint received 2023-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

XX/XX/XXXX I tried to wire XXXX to my ma It was declined that night and sent back to my Wells Fargo account XX/XX/XXXX I called their representative to help with problems, and they told me the money would be available tomorrow ( XX/XX/XXXX ) XX/XX/XXXX the transactions date went from XX/XX/XXXX to being XX/XX/XXXX, I called representative and asked them XXXX, they confirmed wells fargo received the money yesterday XX/XX/XXXX, so it should have been available today. I went into the local branch and now they're trying to say it's going to be withheld even longer and threatened calling the cops on me while I was pointing out that what they were doing is fraud and doesn't follow what the sign by the front door says about availability of funds policy, so they're not only forging dates, but I've noticed missing money XXXX as my purchases don't XXXX up to what they've deducted. 

XXXX wells fargo.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (OK)

The company Phoenix Financial Services is double reporting the same debt. I first looked at my report as I haven't in over a year and noticed a duplicate listing. I reached out to have the duplicate removed and instead of removing the duplicate they updated as late on both listings. After researching these listings I have discovered these are not my debt owed in the first place. I have asked that both be removed as they are not my debt. This has damaged my credit credit score twice over. Please help in the removal of the debts listed that are not mine and repair what was marked as late for over a year.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

I filed a complaint on XX/XX/2020 because my account had been closed for two months and I still had not received my funds from the account. Suntrust/Truist responded to my complaint by providing a tracking number to the check they supposedly sent out. It is a month later and I still have not received my check. They provided a tracking number which hasn't been updated since XX/XX/2020 and when I call I am still being given the run around and no one will help resolve the issue. There should not be an issue with the address on file as I have received correspondence via mail from the since filing the claim. I still however have yet to receive my check!