davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

In XXXX of this year, I called Fay Servicing to make arrangements to catch up on payments that we had fell behind on, I didn't get the name of the man I spoke with but I had my phone on speaker and my granddaughter  was with me. I ask if it would be possible for us to pay {$300.00} twice a month for the remainder of the year 2020, that should catch us up completely, I was told that it would be fine for us to do that beginning in XXXX. In feburary we paid two payments of XXXX $ and the first of XXXX a payment of XXXX XXXX The middle of XXXX we received two envelopes with the checks dated XX/XX/XXXX and XX/XX/XXXX, along with form letters, the letters were marked, that because our loan was in preforeclosure or forecloser that they could no accept a payment lower that the full amount. I thought they were returning the payments but when I spoke with the bank they assured me they were cancelled checks and the money was withdrawn for our account, I tried numerous times to call the number given but all I get is a recording stating that they are receiving a large volume of calls and hold times could be long, after about 2 for 3 minutes I get the option of leaving a voicemail or contacting them at their email address for customer support. I have left 2 fo 3 messages and a couple of emails trying to find out where the {$900.00} is I sent. After not being able to contact them I decided to continue to send the payments and sent another {$600.00}. I received a certified letter from a law office stating they were attempting to collect a debt to XXXX for the amount of our loan but it did not mention Fay Servicing so I assumed that is a scam. I then received a statement showing the last money received from us was the payment in XXXX of this year, there is no credit for the {$1500.00} that we have sent since XXXX. I can't get any returned call or returned email from them Im sending you pictures of the letters and returned checks and the last statement received. My husband is ill and I don't know what else to do but ask for help handeling this.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2023-02-22
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)

Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit report
Consumer complaint received 2023-02-22
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-04-22
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. (FL)

I mailed a dispute to Experian the beginning part of XXXX and I received the results today Report # XXXX and nothing was done other than updating with incorrect information and this has caused a tremendous drop in my credit. It is the Agency 's  responsibility to provide the consumer with validation and verification of these debts and this hasn't been done as of yet. 

You updated my report with the following incorrect information : XXXX saying it was charged off in XX/XX/XXXX, I DON'T HAVE A XXXX CARD SO THIS IS FALSE INFORMATION XXXX XXXX XXXX UPDATED THIS WITH CHARGE OFF INFORMATION SINCE XX/XX/2018 AND AGAIN, I DON'T HAVE OR HAD A XXXX XXXX CARD XXXXYOU UPDATED THIS TO BEING CHARGE OFF AS OF XX/XX/XXXX-I DONT HAVE A XXXX CARD SO THIS IS FALSE INFORMATION YOU CAN'T JUST PUT INFORMATION ON MY CREDIT FILE WITHOUT PROVIDING VISIBLE PROOF OF VERIFYING AND VALIDATING. THIS GOES AGAINST THE CREDIT LAWS FCRA ALSO THE FOLLOWING CREDIT INQUIRIES NEED TO BE DELETED ALSO AS THEY WEREN'T AUTHORIZED : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX THE FOLLOWING ADDRESS DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-22
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. (CO)

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

My XXXX VISA card was previously with XXXX XXXX XXXX where I had a 10 year perfect payment record. The account was transferred on XX/XX/XXXX to Comenity Capital Bank. Since the transfer, my payments were never posted on a timely basis and always just past the due date and incurred late fees. Payments were made through XXXX XXXX so the date of the payments is verifiable. One check was " lost '' and I was instructed to stop payment and reissue. The check was deposited the following day and I was charged a return check fee of {$28.00}. The replacement check for {$6000.00} was sent via certified mail on XX/XX/XXXX. The USPS confirmed it was picked up on XX/XX/XXXX. It was not posted to my account until 12 work days later on XX/XX/XXXX, one day after the due date incurring more interest. 
The total late fees, returned check charges and interest as a result of Comenity Capital Bank delaying the payments is {$300.00}. In addition, the cash back amount I earned of {$260.00} is not available for me. 
Please see the attached letter to the FDIC for additional details.
Consumer complaint received 2023-02-22
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)

In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.
Consumer complaint received 2023-02-22
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. (FL)

Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

On XX/XX/year> I mailed XXXX, Equifax, and XXXX my disputes along with my proof of ID about inaccurate info on my report. I never got a response so I called them many different times a couple of days throughout each week which took forever to reach someone and when I did they " didn't get anything '' XX/XX/XXXX I wrote the letters again and sent them proof of me sending the letters, this time with dispute letter, ID, affidavit, attestation, and court documents from the lawyer on case. It took me XXXX weeks and several hang ups from credit bureaus to respond that I had they still received nothing after I confirmed I was mailing to the correct address listed on website and from agents who worked there. 

XX/XX/XXXX, the same documents to the bureaus WITH A HARDCOPY BECAUSE THE REPS SAID THEY NEEDED HARDCOPY COURT DOCUMENTS FOR PROOF ALONG WITH MY ID. THEY CONFIRMED THEY STILL DID NOT GET ANYTHING.EVEN WITH RECIEPT PROOF FROM POST OFFICE WHEN I MAILED AND WHERE. 

XX/XX/XXXX, I mailed them this time expedited because reps on the phone were still saying they got nothing!! 

WHAT DO I DO WHEN THE CREDIT BUREAUS KEEP SAYING THEY HAVEN'T RECIEVED ANYTHING. ITS FRUSTRATING BECAUSE I CANT GET APPROVED FOR NOTHING. WHATS THE PURPOSE OF WASTING TIME AND MONEY IF THEY TAKE 3 MONTHS TO DO ANYTHING?! 

I wrote them cause I was a victim in a XXXX XXXX  case that involved coercion and my social security number being used for others benefits. I sent my hard copies ( that credit bureaus said was needed ) off and never got them back My lawyer advised me that credit bureaus violated me under The Debt Bondage Repair Act ( DBRA ). 
This includes 15 USC 1681 stating I have rights. EQUIFAX AND XXXX have violated my rights many times and I need the accounts removed. I have a right to privacy and did not give equifax or experian to furnish these accounts under 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 1 ) I was violated because they aren't reporting accurate information which undermines my ability to do anything in life. IM A REAL/NATURAL/LIVING PERSON AND I HAVE RIGHTS PLEASE HELP BECAUSE I CREDIT BUREAUS ARE NOT HELPING WITH NOTHING. I AM GOING TO WRITE STATE OF ATTORNEY ALONG WITH XXXX. I WILL TAKE LEGAL ACTION BECAUSE THIS INFORMATION ON MY CREDIT FILE IS INACCURATE!!!
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
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
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My rewards points got redeemed without my consent. I called to capital one credit card company and after they transferred me 4 times from person to person and not knowing how to fix the problem and after being on hold multiple times they just transferred me back to the main menu. I did t not give authorization to redeem my points. I assume its inside job
Consumer complaint received 2020-04-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED AUTO ACCEPTANCE (GA)

I have contacted the collection 's company, United Auto Acceptance, to set up an online account to see my official receipts. The company has stated that there is no online website, over the phone, but they actually do. I have made payments from, XX/XX/XXXX to XX/XX/XXXX, without ever seeing the official receipts or current balance. My XXXX as well as myself have expressed that I need to see the receipts. I have looked online to see customer reviews and they are all the same. The company does not help the customers that are in need of assistance. I can provide proof of payments but as of now I am unable to make any further payments due to their office being closed from the Covid-19 epidemic.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (MI)

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. 

XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # 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 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 2024-10-29
Product: Credit reporting 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. (FL)

I noticed XXXX unauthorized inquiries on my report XX/XX/year> XX/XX/year> According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified unauthorized items MUST be removed!!!! 
XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received two reports from you, one only contains the date and rating, that is not what I am asking fo. I attach the two reports that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account.

Account XXXX XXXX XXXX XXXX ( CLOSED )
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I sent the company HRRG a letter below is the letter that I have sent them. 

Healthcare Revenue Recovery Group , LLC XXXX. XXXX XXXX XXXX, FL XXXX To Whom it may concern. 

Please do not call every day. I understand I owe you money but calling me 3-4 days in a row is annoying. Your payment site doesnt allow you to set up weekly payments only single payments. Also, you can not set up future payments on your website. 
The company has not stop calling me. When the company calls, it is recorded message.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

My husband and I have had identity theft and have filed all the necessary documents to prove that it wasn't us on this one individual card called Zales who is taken care of by XXXX XXXX. At first they lost our paper work and that delayed the process we finally were notified that they received it but they weren't honoring it the paper work, the police report, the court documents etc. I am at a complete loss on how a company can try to get away with this. I have been in contact with an attorney and will sue if this is not handled in a professional and moral manner.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-02-22
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)

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to XXXX, Experian, and XXXX along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. 

( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MI)

Unemployment funds from mother was being posted to my account. PNC subsequently closed my account and refused to tell me any information regarding the security review. I told them my mother would be able to state both verbally and in writing that she had been receiving her funds and did not have an account which the funds could be deposited to at that time. My mother subsequently got a XXXX XXXX XXXXXXXX card from the unemployment office and all of her future funds were sent there, however, all of my funds were locked in the account and the bank refused to give me any information. Two years has now passed and I looked in the account and all of the money is gone and the bank does not know where it is. It states there was an adjustment made on the XXXX of XXXX and then the account was closed. The balance was over {$4000.00}, so not only were funds of my own stuck in that account, funds from my mothers unemployment were also stuck there. I called the bank and they stated they will call me back in 3-5 days because they dont see where the funds went.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.