davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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 am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (OR)

We opened a secured credit line with Wells Fargo for our business for {$2000.00}. After a year, they declined to move it off a secured line. We chose to close the card because there 's no point in keeping a secured line if they refuse to graduate it to unsecured, it 's just a debit card with cash you ca n't withdraw at that point. On closing it, we were offered the choice between depositing the cash into our business checking, or having a cashier 's check mailed. We chose to have it deposited to our checking account and were told it would take 7-10 business days. 11 business days later, we still do n't have our money. I returned to the branch and the same reps that closed it tell me their credit team put it in to be mailed to us as a cashiers check, and that it will take 30-45 calendar days. They offered no reasoning for why they switched methods, and no restitution for the fact that we will now be going up to an extra 21 days without our money.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Consumers should be able to freeze their credit for free on XXXX, Experian and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS COMPLAINT INVOLVES FRAUDULENT AND DECEPTIVE PRACTICES BY BANK OF AME RICA HOME LOANS , IN  XXXX , CA, THE SUBSIDIARY OF BANK OF AMERICA THAT TOOK OVER THE TOXIC MORTGAGES OF THE FORMER COUNTRYWIDE MORTGAGE COMPANY IN CALIFORNIA. This situation is well known to the CFPB.   Bank of Ameri ca Home Loans was responsible for providing assistance to the people who were losing their homes because of the toxic C ountrywide Mortgages. In many cases, those Mortgages were sold to   XXXX   XXXX   and   XXXX   XXXX   sent the Mortgages to  XXXX .  XXXX  is now being sued in a  huge Class Action la wsuit for illegally raisin g the Lender-Placed Insurance to high levels suddenly. But it was Bank of America Home Loans that originally hired that Insurance Company , and  XXXX  was blamed for something they could not solve.   THIS COMPLAINT IS ABOUT AN EVEN WORSE PROBLEM WITH BANK OF AMERIC A HOME LOANS. Some of the original toxic Countrywide Mortgages were taken over by Bank of America Home Loans, and were NOT given to   XXXX   XXXX  . Bank of America DENIED the assistance offered by HUD and   XXXX   XXXX  , and in stead offered to " help people in trouble '' by themselves.   In thi s one sit uation, a  XXXX  Senior Citizen was having serious trouble making her monthly payments to Bank of America   Home Loans. She asked them for assistance and they offered what SEEMED TO BE a good arrangement, of Refinancing the existing loan, stretching out the payments to a maximum of 60 years, and reducing the Interest Rate to 2 % the first year, 3 % the second year, and 4 % for the rest of the Mortgage term. The homeowner agreed to those terms, and was visited by a Traveling Notary Public who rushed the homeowner to " sigh here, '' " sign here, '' etc. at a very rapid pace, through a mountain of Mortgage documents.
The Homeowner WAS NEVER TOLD that Bank of America Home Loans was going to ADD {$14000.00} TO THE LOAN PRINCIPAL in that " Refinance. '' The original loan was only {$35000.00}, the Homeowner had been paying that loan monthly for years, and NOW the Homeowner is NOW STUCK with a hugely high {$59000.00}   Mortgage amount. Pl
  us,
Bank of America also raised the Lender-Placed Insurance t  o a much higher level, just like in the current Lawsuit against  XXXX .   The  XXXX   Seor Citizen Homeowner i s living so far below the poverty level that she receives  XXXX   XXXX . And this person is me.   This investigation CAN NOT be delayed, because, even in this case as described above, the Homeowner is WRONGFULLY paying much more each month than she would have paid per month if Bank of Am erica Home Loans had not ILLEGALLY increased her Principal to almost DOUBLE what it was before the Refinance, and th is also is causing the Homeowner to NEVER be able to get to a time when she is paying more for the Principal than the Interest with her Monthly Payments.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brian A. Blitz, P.A. (MD)

I consumer XXXX XXXX is being violated by Brain A BLITZ P.A. I sent documents to this office due to this company taking money out my check for the last few weeks. I have no knowledge of this debt. I request validation of this debt but now was given. This company is in violation 15 usc 1692 b ( 2 ) 15 usc 1692 b ( 5 ) 15 usc 1692 b ( 4 ) 15 usc 1692 c ( a ) 15 usc 1692 c ( 1 ) ( 3 ) 15 usc 1692 d 15 usc 1692 e Please send me any and all documents to validate and verify who this debt belong too. Attached are the documents that were sent to me when I asked this debt collector to validate this debt.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

The only way to protect myself after the Equifax breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
Consumer complaint received 2021-09-09
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: SYNCHRONY FINANCIAL (CA)

I purchased a XXXX ft ladder thru internet paying with credit card .I disputed charges, they state that they have tracking that item was delivered. I never received any tracking information nor did I received the XXXX ft ladder. 
I pray that you help with this case & refund money .transaction amount {$64.00} transaction date XX/XX/2021 resolution denied
Consumer complaint received 2021-09-09
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: LEXISNEXIS (FL)

PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$310.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Collection account. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian is incorrectly reporting a balance on my credit report for a XXXX account in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing and which requires all collection activity to cease. However, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, XXXX XXXX is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all. I am requesting that the item be permanently deleted from my credit report.
Consumer complaint received 2017-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (GA)

I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.
Consumer complaint received 2017-04-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

On XX/XX/XXXX XXXX filed a fraudulent foreclosure case against me which was based on forged documents and false statements where XXXX XXXX lawyers told the judge that XXXX ( who was not a mortgagee for my loan ) transferred its non-existing rights to XXXX as a Trustee ( this is not true, proven by Securities and Exchange Committee ) for legally non-existing XXXX. All documents were prepared by impersonators who worked as low-paid loan officers for XXXX ; and signed by well-known robo-signer XXXX XXXX XXXX. XXXX, whose lawyers gave very substantial amounts of money to at least two judges who handled my case, were able to obtain a void Order procured by fraud upon the Court and sold my property to a third party buyyer who paid cash on XX/XX/XXXX. 
On XX/XX/XXXX, or almost two months after my property was sold, XXXX sent me a letter information that they transferred my mortage with long-time bankrupt XXXX to a new Servicer, Specialized Loan Servicing , LLC. ( SLS ) On or about XX/XX/XXXX, or as soon as I received this letter, I called SLS and spoke with two officers, including an excutive manager who identified himself as XXXX. 
I explained XXXX that my property was sold in XX/XX/XXXX and transfer of my loan by XXXX to SLS is pure fraud, and continuance of their foreclosure extortion practices against me. XXXX said that they do not have any information regarding this transfer from XXXX and assured that they will inform me ones XXXX provide it to them On XX/XX/XXXX SLS spent me a letter where they demanded me to forward my mortgage payments to SLS beginning XX/XX/XXXX. I sent them my for validation of debt request right away ; and submitted a Complaint with CFPB. 
As of today, XX/XX/XXXX SLS failed to provide me ANY documents in support of their demand to pay them my mortgage after the property was sold in XX/XX/XXXX ; and repeatedly respond with runarouds that they are researching my inquiry. 
Worth to mention, during 5 years I received a binder-worth of similar letters from XX/XX/XXXX, 41 letter just between XX/XX/XXXX-XX/XX/XXXX, without any single document in suppot. The only brand-new looking document presented in my case was criminally concealed from the Court records by the judge, who refused to provide me a copy of this document for my records. 
I have reasonable suspicion that SLS entered into a conspiracy agreement with XXXX XXXX bank to defraud me and collect unlawful debt to which they have absolutely zero evidence in support.
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

I had a bill for XXXX following a XXXX in XX/XX/XXXX. I called the medical provider and set up a payment plan. 6 months later, I was contacted by Capio Partners in a debt collection attempt. I spoke with the original medical provider and inquired as to why the payment plan was not implemented. I was informed that there was nothing they could do since 6 months had already passed and it was already turned over to debt collection. I received a letter from Capio Partners dated for XX/XX/XXXX indicating that I owed an amount of {$4100.00}, despite a statement from the original medical provider indicating that I owed {$950.00}. They contacted me on XX/XX/XXXX in an attempt to collect the debt. I sent a letter to Capio Partners via certified mail written XX/XX/XXXX in dispute and asking for them to supply information to validate the debt. Capio Partners responded with a letter dated XX/XX/XXXX showing that they purchased the debt from the original medical provider and proceeded to reverse a discount of {$3100.00} that was granted and never billed to me by the original medical provider. Capio Partners resumed collection call attempts. On XX/XX/XXXX, I called to discuss the letter and dispute the amount of {$4100.00} that they were trying to collect. I was told by the Capio representative XXXX, that the discount was reversed by the medical provider because I did not pay off the bill. I disputed this with XXXX and told him that the correspondence I received from Capio Partners shows that it was Capio Partners who reversed the discount of {$3100.00}, not the medical provider. I informed him that the medical provider never billed me for the extra {$3100.00} and that I was disputing his claims. XXXX asked me questions about what the Capio Partners letter from XX/XX/XXXX stated- even though the letter was generated by Capio Partners itself. XXXX informed me that he could not guarantee that I would not be billed a higher amount than my original debt billed by the medical provider.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AZ)

The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL COLLECTION SYSTEMS, INC (MO)

This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX and XXXX of XXXX, I experienced technical difficulties with Capital One processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to Capital One to have these erroneous late payments removed. I never received any correspondence back from Capital One.
Consumer complaint received 2020-05-30
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    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   XXXX   XXXX    XXXX   XXXX    XXXX
Consumer complaint received 2017-07-14
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. (NC)

In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/XXXX, Capital One Bank, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (PA)

I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?