davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

I, XXXX XXXX, had an insurance claim for damages to my car garage that was hit by motorist at XXXX XXXX XXXX, XXXX MD XXXX. XXXX XXXX issued check, but stated the check must go to my mortgage company for verification, and then they would release payment to the vendor/contractor for repairs. My mortgage company BSI was issued a check for my repairs from XXXX. The mortgage company cashed out the check, from XXXX XXXX  company, but never paid out the BSI Financial never paid for the damages I incurred. I since them paid for all the repairs myself out of pocket, and the mortgage company owes me {$6200.00} Please see attached check when I received it and sent it to BSI for payment.
Consumer complaint received 2021-09-18
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: Experian Information Solutions Inc. (MD)

1. Identity theft began in mid XXXX with diversion of mail to a fraudulent address through Change-of-Address order to USPS. All my accounts were changed to that address. 
2. Notified all credit bureaus and requested credit freezes online ; Experian website said to call immediately for suspected identity theft.

3. They are UNREACHABLE by phone; attempted several numbers many times. ( The other 2 bureaus were easily reached ).

4. Have twice filed reports online disputing the fraudulent address with no clear response. 
5. On XX/XX/21, sent registered letter to Experian ( attached ) which they signed for. 
6. The only response received was an email communication dated XX/XX/21 stating they were unable to honor my request ( report # did not match that on my letter ). 
7. On XX/XX/21 they posted a {$26.00} charge to my credit card for a credit report ; I never asked for this and never provided my credit card to them for such a purpose. I received a copy of my credit report through the FTC site where I reported the identity theft. The charge is being disputed with my bank. 
8. I am aware that Experian has disseminated the fraudulent information to at least one other agency ( XXXX XXXX ) without any attempt at verification of the change. They offer protection plans to consumers for a fee but they are part of the problem.
Consumer complaint received 2018-03-08
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: AMERICAN EXPRESS COMPANY (TX)

I HAVE ASKED TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS. WHY DO I STILL SEE IT ON MY CREDIT REPORT?? 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (SC)

I was appalled to find out that not only was the status indicated as Charged off but the company has also indicated that they have not been receiving payments from me ( NP ). In fact, I have been working diligently to the point that they automatically retrieve the payment bi-monthly from my checking account. So it shouldn't be both ways ... .either I've been difficult to deal with that they had to get an outside company involved ( charge off ) or I'm doing my due diligence in trying to comply with their demands. I thought that we had a good relationship since I have been very faithful in repaying to them directly. Now there's this undeserved black eye on my credit report which I feel is not deserving.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

The Wells Fargo XXXX credit card was settled back in 2018 and is still showing on my credit report even though it has been over 2 years. Wells Fargo is also still reporting to the credit bureau even though the account is closed, I would like this account closed and removed from my credit report.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (UT)

in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX in XXXX. I have never resided on XXXX XXXX. in one court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.
Consumer complaint received 2018-03-08
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. (TX)

On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points.  Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (OR)

Since being a customer with Regions for the past 14 years I have been charged an excessive amount of NSF fees based on an unfair methodology used to calculate said fees. The method used by Regions to calculate their NSF fees is unfair. The most recent situation has allowed for Regions to charge me three ( 3 ) NSF fees on a positive balance of {$28.00}, as shown in my online banking.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I have a second mortgage with ocwen loan servicing, it was included in my bankruptcy filed XX/XX/XXXX,  on XX/XX/XXXX ocwen sent out a response to final cure payment saying I was behind XXXX. That same day, they added almost 1000.00 to my principal balance. I then sent to the courts proof from my bank showing I never missed a payment over the entire 5 years. The courts granted me a discharge on XX/XX/XXXX. On XX/XX/XXXX my wife and I applied for a refinance with XXXX XXXX, this has been tough because Ocwen wont report my payments over the last 5 years, because we didnt reaffirm our loan. On XX/XX/XXXX I called ocwen to ask why my principal balance went up XXXX between XXXX and XXXX statements, I then mentioned I was trying to refinance, and needed them to fix their accounting errors, I asked to talk to someone in that department, but was told they cant take calls, and would get back to me by email. I then went onto ocwens web site and found a tab for problems with payment, so I typed in my problem, and downloaded 20 pages to support their mistake. 5 days later ocwen who had refused in the past to report our payments to the credit bureau, decided to report to XXXX that we are 180 days late and the account is now open, and nothing else, no on time payments over the last 5 years or anything. This brought my credit score down from a XXXX to XXXX, and all happening days before we are supposed to close in our new loan. I have been told by the Bankruptcy department at ocwen that they dont know why, they can only see what I can on their web site, and will not allow me to talk to anyone else. Can someone please help, I have all the documentation.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # XXXX
Consumer complaint received 2018-03-08
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)

All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
Consumer complaint received 2020-07-15
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. (CA)

The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX  Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Unpaid collection on my credit report from 2018. I am a victim a few times over with identity theft. There is a breech in nearly everything. I have no record of this account and have tried deleting it directly with the companies. I do have active cards with the card company that I do use
Consumer complaint received 2018-03-08
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: AES/PHEAA (IL)

I have attempted to contact XXXX and provided the supporting documentation. 
XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. 

On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). 

On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 

As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (NJ)

First credit services/XXXX XXXX XXXX XXXX gym membership was cancelled due to sickness and was told account would be closed and no further charges. They did not close account and placed on collections. 
I have called and try many times to have this removed from my credit report and they did not do it.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am wrote a request on the method of verification for dispute initiated in XX/XX/XXXX and the subsequent response received on XX/XX/XXXX from Equifax enclosed with this letter. 
I requested that the following address be removed from my credit report : XXXX XXXX  XXXX XXXX XXXX PA XXXX Equifax deleted the inaccurate address on XX/XX/XXXX under Confirmation # XXXX I pulled my credit report on XX/XX/XXXX and it appears that Equifax re-inserted the address without notifying me of doing so. If the CRA reinserts, they must send the consumer written notification of such within 5 business days of the reinsertion. I did not.receive this letter or notification within the days of re-insertion.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (VA)

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX This account was paid in full on XX/XX/2022 in the amount of {$1600.00} to XXXX, XXXX and XXXX who represented their company. I received a letter confirming that the account was paid in full but my account has not been updated since XX/XX/2022 on my credit reports. I contacted the creditor directly on XX/XX/2022 and was told that my account was sold to XXXX and given the phone number of XXXX. I immediately called the number and was told that the account had not been sold but they represented XXXX XXXX XXXX and confirmed via phone that the account in fact had been paid in full. I was told that they passed that information onto their client and would have them to call me back to let me know when my credit report would be updated. Today is XX/XX/2022 and I still haven't heard back from XXXX XXXX XXXX. 

I'm frustrated because after experiencing financial hardship I finally was able to take care of the account yet my efforts is still not reflected on my credit reports.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX-XXXX XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. XXXX-XXXX  XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. The account has been validated according to the Texas Finance Code 392 and Nissan Motor Acceptance failed to provide any documents showing that I agreed to this debt, additionally they are reporting a past due amount but in 2016 sent me a 1099-C form showing canceled debt which I have reported on my taxes and paid taxes on. By them reporting that I am " past due '' and showing a balance they are reporting inaccurate information per the Texas Finance Code 392 and FCRA. I am requesting that they delete this account on all 3 credit reports immediately.