davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (MO)

I contacted speedy cash 3 weeks ago about a debt that is being reported on my credit report. The debt says I owe XXXX with a payment of {$230.00} a month. When I originally contacted speedy cash, the debt was only on transition and XXXX. I contacted the consumer reporting department and the representative that I spoke with said I would need to contact the fraud department to make sure this debt was not opened by someone else in my name. When I contacted the fraud the department, the representative said that I did not owe anything and there was nothing to dispute but he would annotate my account to note that this debt was paid. I contacted speedy gash fraud department a week and half later to see if the debt was removed. The representative that I spoke to said that she could not file a fraud case because it was not fraud and that I needed to contact their consumer reporting department I explained to her that I had already contacted them. I contacted the consumer reporting department again and the representative stated that speedy cash would update the balance to reflect a XXXX balance and that it would take a week for it to be removed. I asked the person that I spoke to for a letter stating that I did not owe anything to speedy cash and she stated that she was unsure if they could send me anything. At that time, this balance was only reflecting on my XXXX  and XXXX report. Today, I check my report, not only has the item not been removed but they also placed this balance on my XXXX  credit report. I explained to this representative that I am in the middle of purchasing a home and this balance is affecting my ability to process my loan. Can you please either remove the incorrect information from my report or provide me with a letter stating that I do not owe anything to speedy cash.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XXXX  Flagstar received a mortgage payment and they confirmed the payment would be posted on XXXX. No other notification was received. I called Flagstar and they stated the payment was cancelled and I was to contact XXXX which is now servicing my loan. I was told I would not receive any late payments, but I asked how would I be credited for my lost interest. They was no resolution. 

I called XXXX XXXX on XX/XX/2024. This company has absolutely no live agents to speak to. I was on an endless circle on their AI phone system. I went online, set up the account and paid the mortgage. I finally was able to connect with a live person on Chat but they were oversees. All they could tell me was there no late fee and they my loan was not " live '' on their system until XXXX. I asked for a supervisor to speak to but I was given the same information on chat. 

Flagstar stated they were done with servicing my loan on followup.
Consumer complaint received 2021-02-05
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. (TX)

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-09-22
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. (FL)

THIS IS NOT A DUPILCATE!!!! THIS IS RECENT UPDATING DAMAGE AND FRAUD BEING ADDED BY : XXXX and XXXX XXXX : XXXX CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA 605B AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.

I WISH/SEEK remedy for damages and VIOLATIONS MAKING IT IMPOSSIBLE FOR MY CREDIBILITY AND LIVELIHOOD. 
THESE ACCOUNTS ALONG WITH OTHERS ARE BEING REPORTED BY XXXX AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX XXXXXXXX XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES XXXX 6 HARD INQUIRES ALL FRAUDELENT EQUIFAX HAS A FRAUDULENT ACCOUNT AS WELL.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) XXXX 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. 
In Accordance with the Fair Credit Report Act, XXXX XXXX  # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )
Consumer complaint received 2021-02-05
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. (TN)

Hello, I contacted Experian about a fraudulent account ( XXXX ). Early in 2020, they responded and removed the account ( There report number XXXX XX/XX/XXXX20 ). Attached is proof of the dispute results. Shortly after, another company called XXXX XXXX picked the account and put in back on my credit report. I have contacted both Experian and XXXX XXXX about the fraudulent account with calls, notarized letters and submitting disputes through there sites. But no luck
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My leased car ended on XX/XX/2020. I continued to pay monthly payments as I did not feel comfortable going into the dealership when COVID 19 cases were high as I am a XXXX XXXX XXXX XXXX  and therefore consider high risk. On XX/XX/2020 when COVID 19 cases were lower, I turned in the leased XXXX and leased a new XXXX on that same day. At no time was I told or provided information that I owed a payment or any other amount for XXXX prior to signing the new lease. I clearly would have negotiated that in the new lease contract but was not given the opportunity to do so. I was also never told that if the payment for XXXX was not made, that information would be reported to the credit bureau. I simply turned in the car with NO ADDITIONAL information provided. This is deceptive!!!!!!
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (DE)

I received a letter from dcm services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mi XXXX, They identified themselves as a debt collector. The matter concerns XXXX they say I owe XXXX XXXX. I called the billing department to ask if I had any outstanding charges and they said I had a XXXX balance. They also gave me the phone number to the department that handles billing for the ER doctors which handles the only other possible department that could have accounts due. They also say I have a XXXX balance. I called dcm to request detail ( as the hospital provides ) on doctor names, procedures, etc. They sent me a sheet that says as follows : a number XXXX XXXX XXXX XXXX XXXX XXXX a date an amount Absolutely no physician names or procedures. I then asked why I didn't receive a bill direct from the hospital like I did on the charges that I paid to the hospital directly.
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (IL)

XXXX Account - XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX Phone : XXXX Google XXXX decided to terminate their business relationship with me and no longer allow me to make purchases using Google XXXX/Google XXXX. My account has a balance of {$6.00} in my Google XXXX/Google XXXX XXXX. Google is refusing to allow me to spend my funds I paid cash for, refusing to refund the Google XXXX card the  money was added from and refusing to issue me a refund to my bank. If a bank does not want to do business with me, they can not just take my legally earned money, they must give if back. Google is no exception. I am requesting Google refund my balance in aforementioned account, XXXX and others.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc. (MD)

Went to use the card it was declined. Noticed multiple fraudulent charges on the account filed and nothing was ever done. Made contact with the office of the CEO and still nothing being done.
Consumer complaint received 2022-09-26
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. (LA)

XXXX XXXX Acct # XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct # XXXXXXX. this company is still reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2021-02-05
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. (AL)

I had to file bankruptcy in XX/XX/XXXX  2020 due to income reduction. There were several credit card accounts that I had paid the balances in full prior to the filing. Some of these accounts were closed by the Grantors due to inactivity by me not using them. Others were closed by the Grantors based solely on the bankruptcy filing. My issue is ALL of these accounts are reflecting " Account Included in Bankruptcy '' when there was no balance owed on the disputed accounts. I addressed this fact with the Credit Reporting Agency in my dispute filings. My credit report on all but one of the accounts in question doesn't even reflect my payment history on them. There is no mention that the accounts were paid off ; only that they are in bankruptcy. It's not right that these accounts are noted with negative remarks when the accounts were closed by Grantors when they were in good standing. I feel the remarks referencing " bankruptcy '' should be removed on these accounts and the accounts be moved to the Satisfactory Accounts list in my report. I had added a Consumer Statement to my Credit Report stating the fact that these accounts were paid off. But, since it isn't seen until the very end of the Credit Report a Creditor would have to scan down through several pages of " Inquiries '' to even know it exists! No one is going to see this statement.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

My card was lost/stolen on the evening of XX/XX/2022. There were XXXX charges that I did not authorize at a bar/lounge/restaurant called XXXX XXXX  XXXX XXXX  for XXXX and some other place called XXXX XXXX for {$20.00}. When I became aware of the charges the next day on XX/XX/XXXX, I reached out via a chat in the banking application to dispute the charges and replace my debit card. I was informed because they were pending charges that I could not file a dispute until they were finalized. The next day on XX/XX/XXXX, I saw that they had become finalized and completely overdrew my account. I reached out and filed a billing dispute via the company ( Chime ) application. On XX/XX/XXXX, I was notified that my dispute was was denied, but I was provided no reason as to why. 12 days later ( today ) I have still not been notified nor have i recieved a response from chime.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I purchased mattresses from XXXX XXXX  using Synchrony issued store card. The promotional period was 24 months. Now, its only been 12 months and they added almost {$400.00} in interest. When I signed up, I was under the notion that it was 24 month promotional no interest. Instead, they charged interest after just 12 months stating the promotional period ended on XX/XX/22.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

My direct deposit went to chime on XXXX XXXX I could not get my money my ATM cards would not work they took my social security check and chime told me they were not going to give me my check back after I disputed it, then I couldn't get back in touch with them they let someone get into my account and said there was nothing they could do
Consumer complaint received 2022-10-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$14000.00}
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (GA)

On XXXX21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days. I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We closed escrow on XXXX and the Loan with Lakeview XXXX was paid in full. I contacted them on XXXX ( I was able to get through ) regarding the payment they drafted on XXXX ( which was now and overpayment ). They assured me I'd get my payoff notice, reconveyence and my overpayment within 2 wks. We got the reconveyence but no . When trying to call they do not have a LIVE person options stating busier than ever and you immediately get routed to their Automated System which only tells me my loan is paid in FULL! My issue is 1. They do NOT have any option currently to get through to a LIVE person and 2. It's well over 2 wks and still NO . If only they would answer the phone we might could resolve this because then they could tell me that my ck was in the mail, etc. Their letter says refunds/overpayments sent 10 business days after close. The letter indicates XXXX today is XXXX and NO $
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please research then remove the following hard inquiries made to my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the past two years, my consumer rights under FCRA and FDCPA have been violated by TransUnion and XXXX XXXX XXXX. I have been trying to have collections accounts removed that have alread been removed by the original creditor.The reports have aged off my report. Both companies cotinue to verify these accounts. How they can do that? They are in violation for reporting incorrect information. These are the four :  XXXX XXXX Acct # XXXX Amount {$910.00} Original creditor XXXX XXXX XXXX. This tradeline should have been removed as of XX/XX/XXXX. I disputed it with all three credit bureaus, and results came back from the other two that as per FCRA, the account had to be deleted since it could not be properly verified. If FCRA says it should be removed, under the law it has to be removed across the board. I am sending proof of the deletion with an old XXXX  report from XXXXWhen I sent copies of this proof to TransUnion, they said an investigation was conducted that verified the account. 

The others are from XXXX XXXX XXXX Acct # XXXX Amount {$1300.00} Original Creditor XXXX XXXX. Account has aged off with the original creditor. TransUnion has a removal date od XX/XX/XXXX. 

Acct # XXXX Amount {$2800.00} Original Creditor XXXX XXXX . Has aged off with original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Account # XXXX Amount {$820.00} Original Creditor XXXX XXXX . Has been removed by original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Numerous requests made these last 2 years for removal with both companies always come back as verified. When questioned, XXXX admitted to using eOscar, an outdated form of verification and not conducting a thorough investigation, which I requested. The resuts usually are that information I did not dispute will change and the tradeline will be updated, usually with a new estimated removal date which is even further into the future. 
To my knowledge, the original creditor sets the date of first delinquency, which then sets the estimated removal date. The date is then set in stone and can not be removed. It is illegal to chang this date. Both companies are using illegal tactics to keep negaive items on my report under the guise of " meets FCRA requirements '' yet what they do actually violates guidelines.
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (TX)

In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.