davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (KS)

A few months ago, I disputed a collection account on my credit reports from XXXX. XXXX  ( collecting for XXXX XXXX XXXX ) on the XXXX XXXX XXXX  to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT XXXX XXXX XXXX, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with Experian ( who typically is the first to remove trade lines, which shows XXXX XXXX never requested deletion. On XX/XX/2022 I disputed the collection with Experian & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( XXXX XXXX XXXX ) and that the furnished told them the account was in fact reporting accurately. BOTH EXPERIAN XXXX XXXX. XXXX XXXX are both being negligent and in fact are disrupting my financial future by not doing right by what XXXX XXXX has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against Experian XXXX XXXX XXXX. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for XXXX XXXX changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
Consumer complaint received 2022-09-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (NY)

My mom, XXXX XXXX, passed on XX/XX/XXXX. She had reverse mortgage with AAGXXXX. I notified XXXX to inquire what next step was. I emailed them and received confirmation of email on XX/XX/XXXX requesting letter of intent to sell along with real estate listing and asking price. I notified them on XX/XX/XXXX that an offer was accepted and the house was in contract.On XX/XX/XXXX I received a letter from XXXX stating that the property was in jepardy of going to foreclosure. I called XXXX along with lawyer after receiving letter to inform XXXX once again that house was in contract. Since then I had been in contact with XXXX up until contract was signed and copy emailed to them in the beginning of XXXX, XXXX. Date was set for late XXXX or early XXXX for closing. On XX/XX/XXXX XXXX had lawyers file for foreclosure on the property. I received several packets of foreclosure paperwork starting on XX/XX/XXXX. The property closed on XX/XX/XXXX and XXXX was sent payoff check electronically. Complaint is that I was charged {$4200.00} in unecessary legal fees knowing that property was in contract. we were also charged 7 days additional interest after waiting 7 days for payoff figure from XXXX, {$130.00}. There was also a charge for {$170.00} for mortgage insurance from XXXX! Loan # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. How can XXXX get away with chrging legal fees on a home that was in contract and they were kept informed by email as requested! Sincerely, XXXX XXXX ( XXXX ), XXXX
Consumer complaint received 2022-02-11
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. (GA)

I submitted proof to Experian that the date of first delinquency for the accounts I am disputing was XX/XX/2015, over 7 years ago. 
Experian has refused to remove the accounts and instead has allowed XXXX XXXX to re-age the accounts by submitting to Experian a FALSE date of first delinquency. 
I request an investigation focused on Experian knowingly supplying error-laden, unverified credits reports. XXXX and XXXX both removed the accounts in question.
Consumer complaint received 2021-04-18
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)

I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( Transunion, XXXX, XXXX ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2022-09-02
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. (MA)

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Consumer complaint received 2023-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I reported in XXXX of identity theft someone has been using my name to put apartments and other items in my name I reported in XXXX to the police department of fraud Ive never stayed at this apartment complex my only apartment is the 1 I have now I didnt inderstand what the debt collectors was saying I thought I was going to jail if I didnt pay off the debt not knowing whose debt it is its not right to charge someone something thats not theirs I would like for this debt to be deleted off my credit immediately {$3600.00} debt date XX/XX/XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NE)

Radius Global Solutions contacted me initially XX/XX/XXXX ( which they now deny because I sent a letter disputing the debt ) saying I owed for my XXXX XXXX XXXX XXXX daughter 's XXXX XXXX visit in XXXX, XXXX. They kept insisting I lived somewhere I never lived and I was told I could dispute the bill which I sent a letter via USPS, Never heard a word for almost 11 months. 

I was contacted again by a woman who asked for me by my married name ( I took my maiden name XXXX years ago when got divorced and provided my decree to Radius just to prove who I was ) and the lady again insisted I lived at the address she was providing -- I haven't lived in the town she said for over XXXX years. She was proceeded to tell me about the bill & I told her it wasn't mine and I am not who she said I was, that was not my last name legally. My daughter is a competent adult & had insurance through her employer. I was not there when she went to the XXXX XXXX. She gets a supervisor. The supervisor tells me I can dispute the bill after I explain the situation. I sent an email to him  with the documentation & saying I was disputing the bill and the letter I sent on XX/XX/XXXX. XXXX. I called the XXXX  on XXXX ( this happened the day after XXXX late in the afternoon ) and they said not to worry about it and they had a hard time finding it. 

Today I called Radius to see if it had been resolved and the supervisor told me the hospital said I was still liable for it. I replied I may need to get an attorney involved. He wanted to know who the attorney was & I said I don't have one yet. I called the hospital and the lady in billing can't find a bill connected to me with my daughter & she doesn't understand how I am even connected to a bill when my daughter is a competent adult with private health insurance through her employer. The XXXX has to be careful with HIPA.

I called the agency back to speak with the supervisor to ask for a bill and he tells me he can't discuss the account with me since I mentioned an attorney. He told me he knew all about HIPA laws and that if I emailed the dispute department I could receive a copy of the bill. Close to three hours later, no bill no response.
Consumer complaint received 2021-04-14
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. (NY)

I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.
Consumer complaint received 2021-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-07-09
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. (GA)

N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # XXXX has violated my rights. 

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 customer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

in XXXX I changed to Select Port Folio Servicing as my lender. Shortly thereafter, I received a call from the mortgage company stating that due to my excellent pay record I was entitled to a decreased in my mortgage by {$1200.00} if I answered a series of questions appropriately. I then did so and was told I could pay the reduced amount immediately. Several months later I received a letter from the mortgage company stating that my loan was delinquent. I then was given the amount to bring the loan current and I paid this amount. Later I was given forced place insurance because they could not verify my homeowners insurance without adjust. I attempted to modify the loan multiple times and was eventually told that the investor declined my modification. Then later I went to mediation where I was told if I paid XXXX per month the loan would be current. I made this payment for XXXX  months and told that the XXXX th month payment was 1 day late so this agreement was off. However there was not reduction in the amount that the mortgage company stated that I owe despite multiple attempts at paying increased amounts. I requested a payment history but was not sent one as of yet. Now I received a letter today on XXXX XXXX XXXX returning my last month payment and stating that if I do not pay {$150000.00} by XX/XX/XXXX then foreclosure proceedings will start. My interest rate on this loan is 6 % in this day and age where people have 1 and 2 % interest rates. Select Port Folio Servicing is a predatory lender who is trying to steal my primary residence from me. Please Help!!!!!!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

Account is being reported inaccurately to XXXX Account is missing data and reporting inaccurate history. Shows a 30 day late payment from the month of XXXX and account was paid and closed in XXXX.
Consumer complaint received 2021-04-14
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. (MI)

All accounts are fraud. 

-XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} -CXXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}
Consumer complaint received 2021-04-13
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: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS FALSE DEBT REPORT TO CONSUMER REPORTING AGENCIES 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address.

2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt.

3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other m=than me, the signor. This would only be valid if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking American Express to produce such agreement will be impossible to produce since it does not exist.

4. When I asked American Express to validate the debt, they sent me a letters on a grey scale sheet which suggests to me the letter was doctored with the wrong date since the card was issued in 2014and not in 2016 as suggested by their letters. American Express assumes that I do not understand the law and their bogus letter mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of Amex and whatever they do bind Amex.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

XXXX XXXX Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX  reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I was in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX to trade in my old truck for a new one, I had a language barrier with the finance person he said I can have the new truck with no money down, so he made the paperwork in the contract does not said how he got the down payment about 30 days later I received an statement of a credit card under my name given by XXXX , I never authorized that credit car and never spent any balance. so when I went to XXXX to ask them why they did that they took XXXX for down payment and never disclose that to me the Finance person refuse to talk to me. 
I don't know what to do, I fell abuse, mislead it. and I am not making payments on that credit card to me is a fraud and abuse I need to solve this matter cause I am not agreed to any credit card. and I can not make any more payments other than the truck and on top of that the finance is very high Can you please help me so XXXX do not keep doing the same to others they are responsible to explain what they do with the clients. they can not hide down payment they are forcing customers to get what they wants not the consumers I am terrible disappointed at XXXX. I was told to talk to the media about this abuse, but I want to see if we can solve this issue and stop the waste of money and time I only speak XXXX can you have some one to talk to me in XXXX  please XXXX Thank you XXXX XXXX
Consumer complaint received 2021-04-13
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: Professional Debt Mediation, Inc. (TX)

Company told me they deleted this account and they are still reporting it as collection to credit bureaus. Was told they reported to delete on XX/XX/XXXX and it still is showing on my XXXX credit report. Needs to be updated via eoscar to credit bureaus
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report