davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (GA)

FINANCIAL ASSISTANCE has added to my report .. i have never had any dealing with XXXX XXXX XXXX XXXX in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

Comenity bank bought Justice from XXXX XXXX. I was never sent a letter or received a call about where to send my payments. I had auto pay with XXXX XXXX   So without receiving any information, I thought they was still going to take my payments. Comenity bank failed to notify me. Now they gave me 3 late payments. I should of received a call or a letter about this. I asked them to remove the late payments due to this being their fault. They failed to respond back.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I contacted Experian to resolve a issue multiple times and they refused to reinvestigate issues that I have. 
They claim it was verified but it wasn't Bankruptcy. Not verified please re verify XXXX XXXX XXXX. 
please reverify Unauthorized credit inquires. 

Not removed. 

I should have no hard inquires on my Experian credit report. 

I'm sick and tired of getting the run-around. 

Please remove all unauthorized hard credit inquires. 

Thanks
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Consumer complaint received 2021-09-14
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. (NC)

On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to XXXX. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in one single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on XXXX, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So XXXX is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AZ)

I AM A XXXX XXXX XXXX XXXXXXXXXXXX XXXX AN AM DESPERATE TO SAVE MY HOME. In XX/XX/XXXX I was contacted by PHH regarding their mortgage relieve program ... .I provided them with info they requested at that time and they reduced my payment from $ XXXX to {$670.00}. I made payments in that amount on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However PHH returned the XX/XX/XXXX amount of {$670.00} to my bank account with no explanation. 
I contacted PHH and was told that I did not qualify for the program as there was a problem with my title. I requested that they tell me what was wrong... or provide me with a copy of the title that they were using in their determination ... .but they refused to simply tell me what the issue is so I could resolve. They then stated that they were starting foreclosure proceedings immediately. I made calls and contacted all agencies re : the status of my title and was told over and over there was not a problem with the title including lien searches thru XXXX XXXX XXXX and a company that specializes in lein searches. PHH then proceeded on a rampage of calling me and stating I was in foreclosure and they were taking my house several times per week but never offering assistance on how to resolve the issue even to the point that they sent me a letter stating as much. 
I spoke to an attorney and he looked at the info I had gathered and thinks that the " lien '' that they are referring to is from XXXX XXXX XXXXwho are no longer an entity- who held my loan before it went to PHH..>they would be the lien holder as my mortgage carrier, however, that issue is not valid any longer as PHH bought my loan from them thereby severing that contract.! 
I am in the beginning process of filing formal complaints with : Federal Trade/Banking Commission XXXX XXXX XXXX in Arizona, New Jersey XXXX Florida and Maryland
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

There where two separate debits from one of my account. One for {$500.00} and the other for {$1600.00} as a over payment from one of my accounts. I have filed a claim back in XX/XX/2020 for the amounts. I have provided the original form of payment that was used on several different occasions even going into the bank to both fax and email proofs. When I filed the complaint I was told that all I need to do is show where I made this purchase with a different payment method. I was also told time and time again that these funds would be back into my account in 24hrs, 48hrs, next Wednesday or next Friday and it never happened. I asked that all the calls be pulled on this case and I have filed a complaint with executive offices. I have spoken to at least 5 people in this department and am consistently told that someone will reach out to me to no avail.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I would like to file a complaint with the CFPB and add supporting documentation of contracts, guarantees and commitments as well against Bank of America. The bank shows a charge on my credit card account in the amount of {$6500.00}. I find the bank can back charge the merchant five hundred forty days as a consumer protection. A computer generated calendar schedule can easily be made and you'll find seventy seven Sundays and 16 Holidays that can add the five hundred forty day time period. My statement revealed on XX/XX/XXXX the charge. I made my complaint on XXXX XXXX, XXXX to the bank. The charge was XXXX XXXX. I would like evidence of how the bank applied consumer protection for me and I would like evidence of their efforts in coming to a resolve for me in my case. I have banks who were completely successful in getting my money back from the merchant by back charging the merchant and applying it back to account so why can't Bank of America do the same procedure for me? I have another question, Did the bank try to back charge the merchant within the time allowance? Banks can claim they can only go back according to bank policy and that may be sixty or ninety days. But some banks will agree to the truth of the matter that a merchant back charge provision for the consumer can be done with a five hundred forty day period. What evidence can this bank provide me as proof that they did?
Consumer complaint received 2022-09-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Effective XX/XX/2020 I was alerted by Experian that my credit score decreased and to review my report. The Experian credit report showing for XX/XX/XXXX. The creditor XXXX is reporting my credit card detail information incorrectly. My next monthly payment is not due to XX/XX/XXXX and I always pay my monthly payment the start of the month. I have receipts to prove, I never discard my receipts for this creditor and I alway review my account transactions using the customer portal. The creditor has reported me as having two late payments back in XXXX and XXXX which is not true. Also, the creditor has not reported to the credit agencies the current payment for XXXX. I have not been late with my payments, my account is current and not only that I have receipts to show where I send money order payments throughout the month per month. Maybe this creditor has been paid a gift behind the scenes from XXXX because I submitted another complaint because of intentional false reporting information to the credit agencies. I can mail in proof of my transactions to the CFPB along with receipts. No only I would like to file a complaint. I would like to file a law suit to because it is very unethical for creditors to report inaccurate information on a consumers credit report. That is very wrong and that's why I am reaching out because my Rights is being violated.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in  XXXX    XXXX  . This is inaccurate information listed from this company  Commonwealth Financial  {$170.00}
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation (NM)

I was never aware of the problem or medical bill. The clinic never attempted to reach out to me in terms of paying for any owed premiums. I do n't even know which clinic or facility it was since it was 3 years and 2 months ago. I paid any medical fees in the past out of pocket when I did not have insurance, and used my insurance when I was covered.   Please help me remove this charge off of my credit history. It is false and the amount is far from accurate.
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

I found out I owed a debt after I moved to a different state. A collection agency contacted me and said if I paid {$75.00} the debt would be cleared from my credit and resolved. This was in 2011 XXXX XXXX and Resurgent keep reporting the debt and are harassing me for additional funds.
Consumer complaint received 2020-07-21
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. (GA)

Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Loancare purchased my mortgage from XXXX in XXXX 2017. I had already made my XXXX payment to XXXX and have since made my XXXX payment to Loancare. Both checks have cleared the bank. I have explained to Loancare on  multiple occasions that the XXXX payment was sent to XXXX and have assured me that they would get that from XXXX. But, they have continued to hassle me duringXX/XX/XXXX for the payment and I just received a default notification in the mail with threats of foreclosure. My credit rating is very high, because I always pay bills on time. This is nothing short of harassment.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have 2 issues with this company. # 1. I called and advised them I completed an economic hardship deferment online. I was asked/advises on the form to upload my pay stubs. This was performed online through their website. I am requesting a letter stating they gave me the deferment based on what I submitted through their website. Now, a rep is telling me they dont show it. I called when I finished it and the IBR application to say I had uploaded my pay stubs twice one for each to make sure they got it. I requested it back through XX/XX/XXXX to bring my loan current. How do you lose something that is on your website? Where you have to complete it online. I am so confused. I wanted a letter stating my loan was brought current back through that date to not reflect the XX/XX/XXXX late on my credit as I put the request in. I was not provided a letter of denial, but just told my loan was now due to XX/XX/XXXX. Which I assumed was due to the hardship because I hadn't received any info regarding the IBR yet. Then, later on I was advised of my payment amount. The initial letter received about the IBR had incorrect/inaccurate data that had me confused upon reading it. Again, how do you lose something completed through your very own website? 

# 2. 
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note credit bureaus are required to bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I dont reflect nelnet, XXXX and XXXX are bonded in the state of Texas.
Consumer complaint received 2020-07-21
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)

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.