davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (GA)

I do not know who this company is. I have disputed it with the credit reporting companies. I requested any and all originating documents. It is in violation of HIPAA law as well. Please inform this company to remove in and all information about me from their systems. I did do not consent to any selling or purchasing of any information involving my person. I have never done business with this company. I also will report to XXXX  if necessary.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

XXXX notified Sequium Assets last week to remove any negative tradelines from my consumer report. Sequium sent me an email this would be done, that they had already received the order. I have already missed out on purchasing a home through this situation. It seems Sequium is still reporting something that has already been proven to be a result of id theft. Sequium representatives also seem to be misled giving me different point of views each time.
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United We Collect, Inc. (GA)

I discovered a collection account on my credit for a medical debt. I reached out to the collection company because I was never informed of the debt and most importantly- I have medical insurance and so does my wife. That said, I don't know what the debt is for or why this company has choose to come after me and or place the account on my credit
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC (GA)

I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.
Consumer complaint received 2023-07-25
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. (TN)

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Hi, my cousin as a Legal XXXX entered into an agreement with a Creditor on a Refinance Loan specifically a 'Retail Installment Contract '' with a Creditor being PENFED CREDIT UNION, after she was forced by duress being an " XXXX '' into a Fraudulent Contract of her owing nearly {$30000.00} after she traded in her XXXX to XXXX . My cousin entered into an unintelligible social contract as an XXXX and unknowingly was deceived into signing an agreement in violation of her 14th Amendment Constitutional Right, and was deprived of her XXXX by Fraudulent Misconduct by the Creditor herein. I've also as my cousin 's delegated Power of Attorney have been denied the right to act as her Power of Attorney after having submitted to the Creditor herein IRS ( Representative Power of Attorney ) Tax forms. My cousin has been denied the privilege to ( A4V ) Accept for Value - Exempt from Levy -  the Uniform Commercial Code process to discharge this debt with the Creditor herein. She has been denied the privilege ( s ) to Power of Attorney, and ( UCC ), by the denial of the Creditor herein un-acknowledging the debt cancellation process of her ( A4V ) the loan amount, and an unintelligible, illegal, and fraudulent contract with an " XXXX ''. Finally, the Creditor has destroyed my cousin 's line of credit, and has denied her hardship relief.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have following issues : First, I applied for a Credit Card with XXXX on Friday, XX/XX/2018 and I was told that it was a soft check on my credit. I have a XXXX FICO score and I was told I was not approved because of too many Inquiries when I called XXXX XXXX  as to why I was denied. 

Secondly, I was not aware of many inquiries I had on my Report so when I checked my Experian Credit Report this morning I found that XXXX XXXX  had listed me as a Hard Inquire so I called them and told them this was supposed to be a soft check but they had said well XXXX told you the wrong information and they couldn't do anything to take that inquiry off. 

Thirdly, when I checked inquiries I also found that XXXX XXXX XXXX, XXXX online had brokered out to a couple other XXXX XXXX XXXX XXXX XXXX to add more inquires that I did not authorize and when I called them they said we cant do anything to take any of the inquiries off and when I called Experian they were no help in this regard because they state " You cant Dispute an Inquiry ''. 

In closing, I feel like there is no advocacy for the consumer other than this platform and I need help in resolving this.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

Our mortagage coupon payment book ran out in XX/XX/2020. We contacted the mortagage institution and requested a new payment booklet in XX/XX/2020. We did not receive a booklet but the institution has been sending us monthly mortagage statements since then with a payment coupon attached. We did not receive a mortagage statement for the month of XX/XX/2020 so we contacted the institution by phone on XX/XX/XXXX to inform them of nonreceipt and make a payment before the end of the month ( so it would not be past due ). The agent indicated that the mortagage statement was sent on XX/XX/XXXX which he considered in a timely manner. We explained that the XX/XX/XXXX date would not provide enough time for the statement to be received by us and then for us to submit a payment to be received by the mortagage institution before the end of the month. So we did not consider it timely. The Agent indicated he could recive a payment over the phone but we would be charged a fee. We explained that since the mortagage statement had not been sent to us in a timely manner and that we are current on our loan we therefore, should not be charged a fee for making a payment over the phone. We explained further that if a payment booklet had been sent to us as requested in XXXX the issue of timely receipt of the mortagage statement would not occur and our payments would be made to the mortagage institution timely. We again requested a payment booklet which the Agent indicated that there was no record of a request being made for a payment booklet in XXXX. 
We consider the mortgage institution 's practices unfair and they result in late loan payment submission that can have a negative impact which we can not avoid. We consider that the mortagage institution was unresponsive to our request when contacted.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management (OH)

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Consider this notification a formal COMPLAINT & DISBUTE against KeyBridge Medical Revenue Care Attn : XXXX, I do believe it is in violation of the FDCPA for you to report a derogatory remark on my credit report without informing me that after 35 days ( according to a conversation w- XXXX XXXX that this would reflect my CBR. Especially after receiving a token payment of {$10.00} XXXX XXXX. Supervisior. XX/XX/2020 I asked more than once for a deletion from my credit report. I offered to Pay In Full. She declined to delete from my credit report. I have full intentions of reporting Key Bridge Medical Revenue Care, I can assure you that I will be reporting your organization and your client XXXX XXXX to the Attorney General, XXXX XXXX ; the State of Ohio Attorney General, XXXX XXXX and the XXXX XXXX XXXX of Ohio. 
I maintain a credit score of XXXX and 143 consecutive months of perfect payments on the accounts I have open. 

KeyBridge # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2021-09-01
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. (TX)

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX XXXX and Transunion are reporting. These negative items must be removed immediately.
Consumer complaint received 2020-04-29
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY  CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-29
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2020 my mortgage servicer charged me an appraisal fee of {$170.00}. I did not request this appraisal. My mortgage servicer used this appraisal to raise my monthly payment. The STOLE the  {$170.00} from me by simply taking it out of my monthly payment without even telling me that they were going to do this. I contact Shellpoint and complained and they removed the fee. Now Ive looked at my XXXX statement, and now the charge is listed on my mortgage statement AND included in the amount. So I cant simply make my mortgage payment without paying the {$170.00} because it will be deemed as a Partial payment and be recorded as a late payment. Shellpoint has already raised my mortgage for the 3rd time since acquiring my loan 12 months ago. My other two previous mortgage servicers never raises my mortgage, it was {$1800.00}. Shellpoint has raised my payment to {$2000.00}. Why do they keep raising my mortgage? I want Shellpoint to permanently remove the {$170.00} appraisal fee, as I did not request or authorized them to appraise my home!!
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

The scammer sent me a {$2900.00} Cashiers Check through mail and an offering of a XXXX XXXX XXXX job pledging to pay a {$300.00} for each survey made. He ordered me to deposite the check into my acount. I deposited the check on XX/XX/2020 and the bank cleared the check and posted the funds on my account on XX/XX/2020. The scammer was following and ordering me to do his job order with great impulse and warp speed. He asked me to check whether the funds are available in my account. I told the scammer the funds are available in my account. He order me to purchase a total of {$2600.00} gift cards and a {$25.00} Cashiers Check pable to XXXX XXXX. As per his order, I purchased a {$1000.00} XXXX and a {$1600.00} XXXX gift cards and a {$25.00} Cashiers Check. He order me to scratch the purchased gift card PIN number and take a picture and then send to him. Shortl I did all the scammers job order, the bank notified me as I overdrwan the funds and my account balnce is under XXXX. The scammer uses other phone number ( XXXX ) and name. Using his second phone number he sent me this message : Go ahead through XXXX and mail it to below information and make sure you put the receipt inside it okay Receiver 's Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ... .... : XXXX XXXX ... ... : TX Zip Code ... : XXXX
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank account ....
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (PA)

I am lodging a formal complaint against Phoenix financial services, this debt collector has violated the fdcpa/fcra, by reporting derogatory information on my credit reports in the amount of {$240.00} for one debt, and {$500.00} for another. Phoenix financial never sent me a dunning notice, which gives me the right to dispute validity of debt within 30 days of notice. I've recieved nothing from them ever. No mail, no phone calls, nothing. Just a derogatory hit on my credit reports. This is happening at the worst time as I'm in the process of purchasing my very first home for my family and I. Now I'm being told this erroneous debt is holding me back. I am requesting immediate deletion of these accounts immediately. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time.
Consumer complaint received 2020-04-29
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. (TX)

Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted EXPERIAN had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.
Consumer complaint received 2022-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I requested a refund of COVID payments on XX/XX/2022. When can I expect the refunded payments to arrive? Is there anyone that can provide a specific estimate instead of a general 120 day estimate? 

This is a significant amount of money and I am concerned at how little information is provided about the refund process.
Consumer complaint received 2020-04-29
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 was in the process of buying a home when my lender pulled my credit report and they are showing two accounts listed for the US Dept of Veteran Affairs. This doesn't make any sense because the money was for school that I was paid out each month. When they over paid me they would take it out of the following disbursement therefore lowering the amount I was paid directly. There should be any type of collections for this. I sent a certified letter to the Dept of Vet affairs and they did not respond nor send me validation of this debt. How are the bureaus receiving this information if I can not?
Consumer complaint received 2023-02-07
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-07
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. (MN)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furmish a account without my written instructions.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services did what needed to be done. Phoenix I have sent both letters to XXXX and XXXX credit bureaus and they still haven't deleted off my report. I know you have sent them letters as well because you stated in the letters. I have sent them so many letters and still not deleted off my credit. Phoenix since you the one reported to them can you please reached out to them. I also made a complaint against XXXX case # XXXX with the Consumer Financial Protection Bureau stating they will be doing a investigation and I have to reached out to the creditors. I have reached out to them. I did and compliant against the XXXX as well with case # XXXX and doing investigation. I am attaching the letters you have sent me on XX/XX/2021. Please called or send them a demand letter to deleted this. Account numbers are XXXX, XXXX. Thank you.
Consumer complaint received 2021-01-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

Refinancing with freedom mortgage. I experienced financial difficulties due to the pandemic. I talked to several freedom mortgage financing officers during the months of XX/XX/XXXX through XX/XX/XXXX. The workers are very unknowledgeable about the refinance process. I was given incorrect information each time I called. I co own my house. The other party had not experienced financial difficulties and was willing to remove me from the loan. Again, after talking to several loan officers from freedom mortgage, I was told that the streamline refinance would be the best option but I wouldnt be able to be remove myself during the process. The calls should be recorded and their employees need retraining. I was stuck in a tough situation and didnt see the light at the end of the tunnel with no help from freedom mortgage. I decided to enter the covid relief forbearance in XXXX of XXXX. I thought I would be able to pay at the end of the forbearance. Freedom mortgage sent me several letters by certified mail telling me I was late on my payments. The notices were terrifying and caused me to sell personal items to make the payments. I was terrified of what they would tell me after the forbearance. They reported to the credit agencies that my payment were on time but my payments had increased. ( Not sure if it was because of the interest accumulating ) This caused a decrease in my credit score. During the covid forbearance XXXX XX/XX/XXXX XXXX the co borrower tried to refinance and remove me from the loan but the application was denied. She was told that she couldnt refinance because payments were late during the months we were in forbearance. We were told to wait 6 months. I have a FHA loan through freedom mortgage. I feel this is so unfair. We tried to refinance before entering the forbearance but was given incorrect information by their representatives. Does the Cares act not protect consumers when it comes to refinancing and late payments during a forbearance? We were never late with a payment before entering the forbearance. Why woulda payment be considered late during a FORBEARANCE?