davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

XXXX XXXX XXXX is the individual who is representing XXXX XXXX XXXX. He works for Weltman Weinberg and XXXX  Company, LPA. 
XXXX XXXX has submitted information to the court in a court case where XXXX is suing me for an amount that I have submitted evidence is incorrect. He also claims that his client did not send information that I have received in reference to the allegations I have made against XXXX XXXX XXXX. The paperwork that I have submitted is from his client that his client claims they did not send at this point in time. 
This particular Atty has attempted to extort close to XXXX from me and then admitted to a clerical error. Now its over XXXX I submitted a complaint originally with XXXX in reference to XXXX  and they have falsified information to the CFPB which I will be fine, filing another complaint in reference to that Response from XXXX XXXX. 
The fact that XXXX  has sent me this information, enlisted other entities to do the same and yet denies it is consumer to be able to protect themselves. 
Im not sure if council is advising his client to deny, or if the client which is XXXX  XXXX  is merely denying because they dont think they have to own up to what theyve sent which could be considered deceptive practices.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (CA)

On 5 separate occasions in XXXX, I have directly mailed and/or called in to FedLoan Servicing explaining unforeseen circumstances that resulted in late payments being reported to all three of the credit bureaus ( XXXX, XXXX  and XXXX ). In late XXXX of XXXX, my mother passed away due to her battle with XXXX XXXX. I was providing direct care for her prior to her passing and also had to deal with various arrangements of her affairs immediately after her passing. During this difficult time of caring for my mom throughout XXXX an up until her passing, I inadvertently lost focus of my own due dates for my financial responsibilities. It was an extremely difficult time for myself and my family, as I was very close to my mother. As soon as I realized my oversight of payment to XXXX XXXX, I made appropriate arrangements to bring it current. I have ensured that my accounts have been in good standing since. With my correspondence to FedLoan Servicing, I did include a copy of my mothers death certificate as " proof '' of this unfortunate situation.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transition has on my credit report a Bankruptcy stating that they confirmed their information with the US Bankruptcy CourXXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. They can not provide the individual or individuals in which this information is proving to by correct. As to information given me such courts do not confirm such informatiom. Transition will not let me further dispute this reporting. I am asking for them to provide the person that confirm such information to be true or for them to remove this reporting from my credit report. I asked that they provide the individual, name phone number address or deletion.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

XX/XX/2021 {$2000.00} was transferred from my chime bank account to another person chime account! They stole my phone and was able to log in and transfer all my savings. I have filled a police report advices chime of the fraudulent/unauthorized activity
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (MS)

I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I filed bankruptcy in XX/XX/XXXXwhich was discharged in XXXX, in the bankruptcy I surrendered rental property which is still on my credit report I have spoken with Huntington and they are unwilling to work with me, I am trying to refinance my home and these things are still on my credit report can you please help me Thank You
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

Company has placed 2 separate hits to my Credit score for 2 separate amounts of {$70.00} and {$140.00} placed on two different dates. Company has repeatedly called and filled up my inbox while they themselves have repeatedly received reports of harassment and violating privacy clauses. I do not owe this debt to Holloway Credit Solutions. They are creating debt I do not owe to them. I paid my medical bill to my DR at the time of rendered service and was billed extra for charges I was explained by my  doctor that were already covered in the {$170.00} I paid. I had an additional visit COVERED BY XXXX XXXX XXXX  INSURANCE SO THIS IS FRAUD.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AE)

I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Consumer complaint received 2017-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2020 I was given a {$3000.00} line of credit with XXXX XXXX with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to Transunion since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked XXXX XXXX to submit notice to Transunion and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called XXXX back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. XXXX stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with Transunion and XXXX and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (GA)

NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

When I deposit my cashiers checks, Bank of America puts at least a 10 day hold on the checks. This happens every month. I 've call, but it has n't helped. 

On XX/XX/XXXX, I deposited 3 cashier checks. Two for {$1000.00} and one for {$300.00}.

They held two of them for 3 days, -- ( but when I looked at my statement, they make it look like those two checks were released on the same day - of XX/XX/XXXX, but that is not the case. They actually did not release them until the XX/XX/XXXX ) -- then added them to my account in the amount of $ XXXX While keeping a hold on one of the {$1000.00}. check. According to my current bank statement, that hold will be lifted on the XX/XX/XXXX. 
That is a 10 day hold. 
In the passed, they have held it for longer than that.
Consumer complaint received 2017-12-08
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. (IN)

XXXX XXXX IS LISTED ON MY CREDIT REPORTS AS XXXX AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND EXPERIAN FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AE)

I sent Equifax Credit Bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine CCB/BOSCOV Date of Inquiry : XX/XX/2021 XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I mailed a debt validation letter to Lockhart , Morris & Montgomery , INCXXXX on XX/XX/2021. The company received the letter on XX/XX/2021 and has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2021, which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

1st account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$350.00} 2nd account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$320.00}
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I contacted wells fargo home mortgage when i put my house up for sale and was told by a representative that they do not report to the credit bureau until after 45 days. I made my mortgage payment before the 45 days. Wells fargo reported my account to the credit bureau. I have asked them to fix the error and they refused. their employee gave me a wrong information and they should n't have reported that negative information on my credit report since it was their employee mistake. I have had my mortgage with wells fargo for more than 5 years and never paid more than 30 days late until their employee gave me wrong information.
Consumer complaint received 2021-02-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (UT)

CBNA ( Citibank ) provided me with a letter through my mail and said that the account is not fraudulent. I had filed a police report about this account and they did not provide me with anything that this account is proven to be mine, they have nothing bearing my signature or anything to prove that this account is mine. This was really hurting my credit and I have been disputing it and you have yet to provide me with any proof! I am trying to buy a home so I had no other option than to pay the account so I could get my credit scores up. This account was never mine and it was ridiculous that I paid it in the first place. I am asking that you provide something bearing my signature about this debt or remove this account from my credit file all together. I am very disappointed with how this situation was handled and if this is not corrected I will be contacting the Attorney General for you not taking this fraudulent activity seriously.
Consumer complaint received 2015-07-15
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Seterus, Inc. (AL)

Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.
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 information incorrect
Company: AMERICAN EXPRESS COMPANY (KY)

Re : Remove Inaccurate Information from my Credit Reports. Account # -XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : AMEX Account # XXXX 1. The highest balance show {$0.00} on XXXX and XXXX while showing {$1000.00} on XXXX. 

2. Delete because inaccurate information reporting. The date Last Verified is XX/XX/XXXX on XXXX while having no verification dates on XXXX and XXXX. 

3. Delete because inaccurate information reporting. The Date Opened is XX/XX/XXXX for XXXX and XXXX while showing XX/XX/XXXX on XXXX 4. Delete because inaccurate information reporting. Creditor Type is " All Banks '' on XXXX, " Banks and Credit Cards '' on XXXX, and " Banks '' on XXXX. 

5. Delete because inaccurate information reporting. Last Payment is XXXX XX/XX/XXXX on XXXX while not showing a Last Payment on XXXX and XXXX. 
The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (MA)

XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase took my payments put them in a suspense account then proceeded with a foreclosure. I have been trying for 4 yrs to get this fixed They began foreclosure proceedings before I was even behind on the payments. All their paperwork shows they served me aa 90 day notice in XX/XX/XXXX but the default date was XX/XX/XXXX. They claimed they had nothing to do with the mortgage everytime I tried to obtain information Yet in their own letters they state that they had interest in the mortgage until XXXX of 2016. They were moving forward with the foreclosure as I was working with XXXX to obtain a modification. Chase approved me for a modification when I sent payments they never cashed them. They claimed they never received them the same way they claimed they never received XX/XX/XXXX payment when all their paperwork shows they did and put it in a suspense account. 

Chase took my tax dollars for a BAILOUT foreclosed on my home with fraudulent documents on a Note and Mortgage they claim in some papers to have and in others they admit they do not have it. Their Attornies gave affidavits on false information and presented false information to the court claiming it to be true. 

Then Chase buys it back at an unbelievable low price of {$500.00} and the referee allows this to happen, How does the court and the legal system allow this to keep happening. This bank has XXXX of dollars in fines for fraudulent illegal activity and NO ONE CARES. eVEN XXXX looks the other way at irregularities
Consumer complaint received 2021-02-09
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: Federal Adjustment Bureau, Inc. (OH)

I have requested validation of debt from FABCO from XX/XX/2020XX/XX/2020, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. FABCO has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.