davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Re : Equifax, XXXX, and XXXX XXXX XXXX I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with Equifax and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing received full payment for XXXX on my up-to-date mortgage account ( attached SLS statement - XXXX ) on XX/XX/2022. 
Today I called and asked why there is {$83.00} late fee ( see attached XXXX ) and found out about the unauthorized changed status of my loan on my account, and after complaining that I never authorize any changes to my loan, SLS representative agreed it was a mistake. 
I did not and do not want loan modification, and did not sent any documents saying otherwise. Somehow without my permission they applied my payment to a new modified loan that they chose for me and decided for me. 
This company changes documents as they please and ignores on-time payments. 
I hereby again state that I DO NOT WANT LOAN MODIFICATION AND AM HAPPY WITH MY 3.3 % monthly mortgage rate. 
I DO NOT WANT ANY LOAN MODIFICATION.
Consumer complaint received 2021-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (CT)

My name is XXXX XXXX. This loan is in my name and my daughter XXXX. For starters this loan was to refinance a previous student student loan that was through XXXX XXXX, XXXX XXXX had while attending college. We started this new loan process in the fall of XXXX. On XX/XX/XXXX we were approved for XXXX. That check was mailed out to the previous lender on XX/XX/XXXX. This new lender was KHEAA/KHESLC. The loan agreement, percentage rate was fixed at 4.34 %. We were told that if we did auto transfer the rate would be 3.70 %. Recently I was going through paperwork that we receive from KHESLC and while carefully reading the fine print noticed the loan was now 5.03 %. I contacted KHEAA and spoke with a representative that helped us back in XXXX, XXXX XXXX, and ask him what had happened. He said he remembered me because there had been a mix up in the amount that we were to borrow and agreed with what I was saying about the loan agreement. He then said he would investigate this and get back to me. On Friday XX/XX/XXXX he contacted me and told me that, according to upper management, the interest percentage rate had changed to 5.30 % and that they sent us paperwork that confirmed that and that XXXX and I signed off on it .I was never made aware of any interest change. I have every piece of paperwork from them regarding this loan and told him I had no such paperwork. He said he would email me the material, which he did. After close review on my part these signatures, which are just initials, are not mine. XXXX 's signature does not even appear on this paperwork and although it does not say on this paperwork, signatures invalid, for some reason on my computer it is printed signatures invalid. I would have never agreed to 5.30 %. I expressed my frustration with XXXX and he understood where I was coming from but said there was nothing he could do. There is definitely something going on here.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CONVERGENT OUTSOURCING {$440.00} Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (LA)

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, experian and XXXX. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Experian 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-03
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. (LA)

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, XXXX  and equifax. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





Equifax 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, I contacted community by phone to close out this account and received a pay off amount of XXXX. I paid XXXX that evening. On XX/XX/2021 I contacted commenity by email message center to request a credit refund check because realized there was an overpayment on my credit card. Two payments came out leaving a credit balance of XXXX. On XXXX XXXX, I received a message confirming again my account was closed and a refund issued for a credit balance. I received no other statements or notifications of a balance on my account and assumed the account was XXXX and closed on XX/XX/XXXX. I received a text message from commenity one week ago and I logged in to my account to find a finance charge of XXXX that has blossomed to XXXX with all of the late fees over a period of 3 months. I called commenity immmediately and paid the XXXX by phone. I spoke to several people and both said my balance by phone was XXXX. I paid this amount by phone. Today I logged in again to check to make sure this account is XXXX  and commenity processed a payment of XXXX leaving account credit balance balance of XXXX XXXX I truly believe there is something fraudulent going on with this company. This credit 0f -XXXX could cause the same issue if finance charges and late fees. I believe all of this was purposefully done. This is the second attempt to bring this account to a XXXX balance to close properly.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

On my current credit report, it is stating that owe XXXX on a XXXX balance with XXXX. This was with a previous collection agency with whom I settled this debt for XXXX dollars on XX/XX/17. I received email confirmation that this debt has been settled with XXXX for XXXX and that no further collections will be pressured unless perhaps I decide to rejoin services with XXXX  which i have not. I do not understand why I am still being gone after for the remaining balance. I have the bank statement of the XXXX being taken out by the collection agency and the email confirmation proving debt was paid. I dont understand why there is a collection for the remaining balance. I have proof and I want this off my record.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

My Synchrony credit account was given to a Legal - collections company called XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIR, Law Offices (CA)

Complaint XXXX XXXX XXXX  Court : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (TX)

I bought a XXXX dollar tv and sound bar totaling around XXXX. Turns out the tv is defective and due to them being understaffed and phone problems anytime they put you on hold it disconnects you. They said I never reached out within a month since apparently they wash their hands after that. I purchased XXXX XXXX  warranty too which they have not done anything with and refuse to help fix their defective item. I also got a Best Buy credit card for this purchase specifically which I wouldnt have otherwise which they are doing nothing on their end on the dispute besides seeing what Best Buy wants to do. They have an interest obviously and are siding with their interest not getting any info from me regarding this issue. Ive attached videos of the issue which is a processor issue that delays the sound. Ive also attached Best Buys response which is a lie I contacted them twice once on the phone which I was on hold for 30 minutes then placed back on hold and it disconnected and in store where they said just to watch it and see if it happens again.
Consumer complaint received 2022-04-13
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2021-11-24
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)

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NY)

I received a XXXX XXXX  letter suspecting that someone used my name & personal information to open a credit card account in my husband 's name. we called the bank fraud department to verify the letter. The fraud department said the letter was accurate & that someone is trying to use your personal information. They suggested we freeze our credit reports with XXXX, Experian, & XXXX as well as filling a report with the FTC.GOV. The letter is dated XX/XX/XXXX XXXX. The credit card application was filed with XXXX XXXX  on XXXX XX/XX/XXXX XXXX. We have frozen our credit reports.
Consumer complaint received 2022-04-15
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. (CA)

XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

Reported fraudulent charges, they have been working on the case for 3 months now. Didnt provide any updates, I provided all the information they needed. They now say after 3 months when I called them that they cant dispute and reversing the credit they gave me. I filed this within the proper time span and provided all the information regarding the claim XXXX. These were not allowed by me and not approved.