davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NV)

I requested a refund of {$4400.00} on XX/XX/XXXX. Edfinancial said they processed the request. Everytime I call in I am given a new date on when this refund will process. I believe I am getting the run around
Consumer complaint received 2022-06-10
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY FAIR COLLECTIONS & OUT, XXXX XXXX, XXXX, XXXX XXXX XXXX EQUIFAX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
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. (NC)

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} 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
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OK)

I decide to see if I could increase my line of credit with Sync Bank on XX/XX/XXXX. I got denied and I didn't know why. When I received the letter from Sync stating that I was declined due to a credit score from XX/XX/XXXX. Neither my wife or I authorized a credit pull on XX/XX/XXXX. The score that was provide to us is not a correct credit score, we did have an issue with another set of credit cards that did hurt our credit but since XX/XX/XXXX all of these credit cards have been removed. My credit currently is between a 680-700. 

We tried to call but no one in the customer service department could explain why the my credit was pulled in XX/XX/XXXX and Sync decide to use a credit score that was over 30 days old to make a credit decision. Sync is violating the fair credit reporting act and several banking regulations
Consumer complaint received 2020-08-11
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. (NC)

Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all XXXX Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (GA)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

First of all the PHH Mortgage company is overcharging me for fees and late charges.I didn't know my mortgage was sold to PHH mortgage company in XXXX, XXXX. PHH mortgage had the wrong mailing address, they admitted they received the returned mail I have owned the house for over 17 years and i have never been harassed and charged so many fees. 
I know i have equity in the house and i feel like the mortgage company is purposely trying to make me lose the house and have it go in foreclosure. 
I have set up for automated payments and I had that canceled by them. 
I have also been making the payments and have had late on my credit reporting. This is the reporting for month on XXXX, XXXX & XX/XX/XXXX ( during the coronavirus ) This isn't my first home I have owned. I appreciate any help i can get to investigate this mortgage company.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MS)

I have filed a complaint on XXXX related to this. Complaint number XXXX Synchrony bank received a check from XXXX XXXX on XX/XX/2022. They deposited this check on XX/XX/XXXX. This was never credited to my account. 
I have called XXXX who took over the account at the end of XX/XX/2022. XXXX says Synchrony needs to take care of this. Synchrony said the no longer have the account. I have been sent back to XXXX from Synchrony twice. 
XXXX asked for proof of the payment by sending a copy of the cancelled check. I have done that. They still refuse to credit my account. I understated they still expect me to pay them the over XXXX that was already paid. They continue to charge fees and interest to my account and reported delinquency to the credit bureau.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (MI)

XX/XX/XXXX, called me from XXXX, 7 times ... XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX XXXX, XXXX, XXXX and 3 times at XXXX. I asked them to stop calling at XXXX and XXXX. Received another call today XX/XX/XXXX at XXXX. They are harassing me and I want it to stop.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent Experian a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named XXXX XXXX  XXXX XXXX in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked Experian to investigate, I was told the company verified my information as correct. When asked to provide me with that information i was told by multiple associates in the dispute team as well, as supervisors that they were provided my social and written information from the furnisher and would not provide me with that information although it is my right under the FCRA.
Consumer complaint received 2021-11-12
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. (PA)

listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

On XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX/XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX TX XXXX, that I was attempting to bring Home Owner Association Dues in the amount of ( {$250.00} ) current, after dealing with Covid and health issues. I also inquired about some of the financials of the Association as well. I received a response from the Association on XX/XX/XXXX, advising that they would be charging late fees. 

On XX/XX/XXXX, I received a letter from RMWBH ( Roberts Markel Weinberg Butler Hailey ) the law office that represents the Association advising that a lien was being placed on my property with the threat of foreclosure, and now the payment owed is {$440.00} ( which includes their fees ). 

Although I feel this is retaliation for questioning the funds, HOA 's and their lawyers feel that the eviction and foreclosure moratorium does not apply to them, and they can continue to demand late fees, and threaten homeowners with liens and foreclosures.
Consumer complaint received 2020-08-04
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. (MD)

INFORMATION ON MY EXPERIAN CREDT REPORT IS NOT CORRECT LONG DELAY 'S ON  CORRECTING SCORE CAUSING A NEGATIVE AFFECT ON MY CREDIT. XXXX CREDIT SCORE IS XXXX AND MY XXXX IS XXXX MYEXPERIAN   SCORE XXXX THIS HAS A NEGATIVE IMPACT ON MY SCORE. MY XXXX XXXX XXXX ACCOUNT IS XXXX. THIS IS A 48 POINT DIFFERENCE ON MY XXXX   REPORT AND 61 POINT DIFFERENCE ON MY XXXX. EXPERIAN IS A MAJOR CREDIT REPORTING AGENCY PLEASE HAVE EXPERIAN REPORT EXPLAIN THIS DIFFERENCE TO ME. THIS IS A UNFAIR PRACTICE THAT THE OTHER REPORTING AGENCY DO NOT FOLLOWING WAITING EVERY 30 DAYS TO UPDATE CREDIT INFORMATION. THIS PRATICE REFLECTS A NEGATIVE IMPACT ON MY BUSSINESS DEALINGS. WHEN PAYMENT IS MADE AND REPORT BY BORROWER IT SHOULD REFLECT ON EXPERIAN CREDIT REPORT.
Consumer complaint received 2022-09-17
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. (CA)

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with TransUnion. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this collection should be removed from my credit report. 

I have provided TransUnion a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however TransUnion has refused to remove the item. 

I have attached the same documents furnished to TransUnion.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (OH)

I have no knowledge of the account placed in collections in my name. According to the FCRA, I have the right to a fair and accurate credit report. The account in question, CENTRAL PORTFOLIO CONTROL, Acct # : XXXX. 

I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT as soon as possible as it is false, as well as a violation of HIPAA, part nd section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 US Code1320d-2 note ).
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (FL)

This debt was paid XX/XX/XXXX. I received an alert that there was a debt added to my credit score. I did not receive any communication from Rent Recovery Solutions under my name, XXXX XXXX. 

This is a joint account with XXXX XXXX. XXXX XXXX and I disputed the debt and sent four types of proof, certified mail to Rent Recovery. Along with proof, we sent a letter requesting proof debt from Rent Recovery.

Rent Recovery never responded and sent the wrongful {$300.00} debt to the credit agencies without providing proof. We tried calling Rent Recovery two times on XX/XX/XXXX, we were told a supervisor would call us back about the incorrect debt. It is XX/XX/XXXX, nobody has communicated with us since.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (DC)

At XXXX today XX/XX/2023 i added XXXX $ from my gift cards onto my square business account and updated my debit card information from signal financial to XXXX XXXX the Square application. After completing this, i went to internal transfer and could not. Upon this i opened a ticket on Square and then my account says it will be reviewed in XXXX. by XXXX today I received an " No-reply '' email from XXXX talking XXXX my account has been deactivated, and i won't get my funds until 90 days or XX/XX/XXXX with no explanation, nothing provided. When i called via phone the representative XXXX said to reply to that " No-reply message '' of which i have not received a response. I notified that I would file a police report in my district, report to FTC and file with CFPB immediately. I don't know what business practice was attempted here but this is unacceptable and is what i consider theft. Also, the person XXXX said i should read section XXXX and XXXX from squares policy ( Of which wasn't provided ) in addition to that the sections don't even apply to my person or account. Please advise & assist immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NY)

I made a transfer of available funds from the card to my personal bank account and after 6 days my funds still hasn't showed up. There is no one to contact for this card no live rep as stated in their paperwork. There is only a automated system. I can't reach a live person to question what happened to my funds.