davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

I received notification in XX/XX/2021 that a new collections account was added to my report from Phoenix financial. I never got any calls or letters in the mail notifying me about this debt. Approximately 1 week ago, I received a call from someone who claimed to be calling about the debt of XXXX. I told him I had no knowledge of this debt. He began to give me specific information about it including the date of service, the provider, type of service and that it was due to a hospital stay. HE DID NOT CONFIRM MY IDENTITY before divulging this information. He never asked me to confirm my date of birth, or any other identifying information. I then asked him to send me a letter with the details and validate this debt. I never received a letter nor did he notify me of my right to dispute. this is a violation of texas finance code 202b stating that any debt collector has to notify you first and send you a written letter validating the debt upon request. Also you have to allow 30 days, allowing you to dispute any inaccurate information.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This complaint encumbers TransUnion, XXXX, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX  years. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a XXXX XXXX decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX XXXX XXXX. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The FICO scores are designed to keep everyday consumers down. The FICO scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

New Rez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC XXXX, TX Branch Office NMLS ID # XXXX When NewRez began servicing my mortgage in XX/XX/XXXX, they began charging me for PMI without my knowledge. I had previously had this removed when mortgage was being serviced by XXXX. I was below the Loan To Value ratio that permitted it. 

I was charged {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$49.00} on XX/XX/XXXX {$99.00} on XX/XX/XXXX None of these charges are legitimate and I have requested refunds for the misappropriated funds but to no avail.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

In XXXX I opened a business for my husband at that time XXXX XXXX XXXX We had XXXX employees so when filing Annual report, indicated XXXX Comp not required. My husband and I divorced in XXXX. In XXXX there was some communication from the State regarding workmans comp. My ex husband was no longer do business with XXXX XXXX, he was XXXX XXXX XXXX and provided the state with the COI they requested. 

In XXXX my XXXX account was depleted and I called XXXX and they said it was a debt collection from XXXX XXXX XXXX.???????? I live in XXXX XXXX. 
This company called me and said i owed {$150000.00} for non proof of XXXX XXXX. I make {$400.00} per week and can not nor will ever be able to afford this. 

PRESSLER , FELT & WARSHAW , LLP ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was my ex husbands business and has since been dissolved. They sent me a letter, attached saying they would take {$7500.00}. I countered with {$300.00} and they scoffed. I just think I am being extorted. 

I hope you can help kind Regards, XXXX XXXX
Consumer complaint received 2021-04-06
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. (NY)

I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Consumer complaint received 2023-01-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX and XXXX XXXX owned house jointly XXXX somehow removed XXXX XXXX 's name from note kept on property wells fargo never disclosed this to us and now XXXX XXXX has died wfb refuses to admit bate and switch predatory note not backed private investment firm they have lied to us and refuse to correct this nightmare
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Good Afternoon, My account has fallen deliquent because of covid 19 the pandemic and my servicer is Select Portfolio Servicing my account number is XXXX they would not work with me they tried to give me a payment plan of almost XXXX a month i can't afford that during a pandemic, how can they advertise " if you have been impacted by covid 19 we are here to help '' and then slap you with a years worth of interest and a payment plan double your normal payment, how is that helping?. I have asked them if they would waive the year long interest that accrued on the account due to the pandemic and I would refiance my property for XXXX that is all i can get to do so and that is all i would generally owe if I wasn't affected by covid, I tried to go to places that had mortgage relief funds from the cares act but they told me there was no more funds. How can Select Portfolio sit there and say they are willing to help their customers when they are not willing to waive the interest that accumlated on the pause of the payments, if the governor is going to allow the mortgage payments to be paused during a pandemic then they shouldn't charge the interest during that time either, Can the CFPB help with getting this resolved this should not be allowed, I want to pay my mortgage off with a refiance and pay exactly what I would owe them pre covid which is XXXX can you help
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX US DEPT EDXXXX XXXX DEPTEDXXXX**** XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

I filed a report with FTC.gov concerning Identity Theft ( # XXXX ). This is concerning two credit card debts with Synchrony Bank. They turned it over to XXXX XXXX XXXX. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (WI)

For the past four days, Ive been communicating with Cash App/ XXXX XXXX XXXX on the status of my account and why it is frozen .They continue and refused to give me a reason why I can not access my Social Security XXXX XXXX funds, which is creating an undue financial burden on me, and my ability to pay my bills and rent. Can you please help period. Thank
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank is misreporting a balance to my XXXX credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( 2 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I went to the liquidator I bought the equipment last XX/XX/XXXX after an emergency I changed my mind because my wife gave birth and I didn't want the items anymore I call the store and my bank to cancel this transaction after that my bank gave back the money in my account {$980.00} XXXX months later my bank sent me a letter stating that there were no error found in this transaction they will deduct this amount and sent me to the liquidator whom asked me to come to purchase any item for this amount {$980.00}. 
I didn't understand how well Fargo managed this claim like that. I never picked up the equipment and today the liquidator hasn't this equipment on the bill anymore and force me to purchase when I already moved to another state... the equipment were ( XXXX chairs with a table in glass and a speaker ) they don't have it anymore why well Fargo sent they my money?
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On Friday & Sat. XXXX XXXX and XX/XX/21, I tried again on Mon XX/XX/21 I spoke with 3 customer service reps. a supervisor and a manager. In regard to me trying to pay my monthly bill with Capitol One, with my XXXX XXXX secured debit card which I put my cash money on to pay my bills. I paid another bill with no problem with the XXXX XXXX secured debit card. This is the second time I have had an issue with paying my bill, the last time ( a couple of months ago ) I had a {$50.00} gift card that I was unable to make a payment with. I had to go get cash, put it on another card in order to pay. I feel that I should be able to pay my bill regardless to the type of card that I have as long as the funds are there to complete the process. They would definitely penalize me if I was late. In the meantime they are charging me interest daily when its there process that's deterring me from making the payment. If they don't want me to pay. Then release me from the full responsibility of the debt. The account is already closed and its still accruing interest. Which I don't see why, because if the account is closed, it should be closed to them as well, were they shouldn't be able to still add to the account. I owe the money and I fell on hard times is the reason I got behind but I am trying to redeem, myself working on my credit. So, these obstacles that I am being presented with is ridiculous. They want to suggest that I use another account, or card. They are in no position to suggest anything to me. Just take the payment!!!!! or Release me of my Obligation!!!
Consumer complaint received 2021-09-21
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: National Credit Adjusters, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (TX)

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Consumer complaint received 2021-09-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various XXXX XXXX XXXX  declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2020-11-30
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: William D. Meeker Enterprises, Inc. (CA)

On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CIC CREDIT add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (OH)

Caliber Mortgage reported my payment late for 2 months. 
My payment was short by a small amount due to an increase in property taxes. Caliber accepted the entire payment rather than rejecting it. My taxes are not due for another 6 months. This should not be reported as a 30 day late payment on my credit report.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WV)

This is the second time I have filed a complaint against equifax. I have not been able to access a credit report through then since XX/XX/22. Not only will my score not pull, banks cant access it either and they have my name wrong. I have submitted all documents to them to correct my name twice and its still wrong. They say its fixed and send me a hard copy of my report in the mail and my name is still wrong on the report and the credit pull is old and doesnt have updated information and my bank cant pull the report themselves. I have been trying to buy a house for a year and cant because of equifax. I logged onto my account with them today and now Im getting a code BLNK. I called to tell them and they said nothing is wrong on their end, I also told them my name still hasnt been fixed. 
Its been a year. Equifax will not help!
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION (MD)

I used a atm machine outside the XXXX XXXX XXXX and XXXX bank to deposit cash into my account on XX/XX/2023 at XXXX XXXX After inserting the money, an error screen appeared and a receipt printed saying there was an error. I checked my online banking and there was no deposit and the machine did not expense my cash. It was a XXXX so i left a message, on XXXX I contacted the bank in person and they said they would investigate. After over a week i received a letter that they could find no evidence of an error and refused to pay me, despite being given the exact time of transfer and that receipt. The letter we received that stated i would not be getting credit was postmarked for the day I reported the incident in person. They also told my father they audit the machine at the end of the week. This makes me believe they did not check the reports to see unbalanced accounts and did not try to credit my money back. The corporate office has had no response.
Consumer complaint received 2021-04-06
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. (NY)

I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that XXXX XXXX pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit 100 points
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (FL)

I was supposed to be receiving a refund from XXXX XXXX XXXX in the amount of {$370.00} to a card that I no longer had active with Cash App. Typically the amount gets rejected because the card is then no longer active. I dont know how cash app is able to apply a credit to a card that is no longer active.
Consumer complaint received 2023-01-11
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. (DE)

FILE # XXXX According to my most recent credit report, these companies are currently reporting to the credit bureaus that I applied for credit with their organization. I did not XXXX these companies authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The presence of these inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. I notified Transunion of these discrepancies via phone over 60 days ago, I was told that someone would be getting back to me in regard to this and no one ever did. I called again about XXXX weeks ago and I was supposed to receive a phone call, again no one ever called. Transunion is willfully violating my consumer rights as retribution for previously filing a civil suit and asserting my consumer rights. The following inquires need to be deleted immediately, I did not have any account with these companies and I did not apply for anything with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have informed Transunion many times that XXXX do not have the ability to freeze/unfreeze my credit report to prevent this from happening because of a technical error on their end.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry. I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.