davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (IN)

First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (TX)

XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Statement closing date and due date rolling 3 to 5 days in either direction every few months, but generally a due date on the XXXX, except this month, it was the XXXX. Invoked a {$39.00} junk fee. Nefarious business practice is designed to trip up payment sequence. Evidence : I have 2 accounts, one on auto pay, date never changes, second account, no auto pay, they slide the due date around. You ought to look into this.
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Consumer complaint received 2018-05-07
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. (NY)

On XX/XX/XXXX i received a alert of my TU that XXXX XXXX pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at XXXX XXXX is willing to help and the customer service is the worst i have encountered in my XXXX  years of life, there are no words i can think of to appropriately use to express my anger with XXXX XXXX.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TX)

XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.
Consumer complaint received 2018-05-07
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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (CA)

Hello, I have always been in good standing with my HESAA/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and HESAA/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister  should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX University, not hers. When on the HESAA/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from XXXX  only can I see my report on XXXX XXXX. 

Transunion website is always unavailable and then tell me that I have received my annual credit report.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I am the owner of my deceased sister XXXX XXXX XXXX 's home she XXXX of XXXX XXXX and XXXX XXXX in XX/XX/XXXX, I was the executor of her estate and my sisters and I inherited the home. I became owner in XX/XX/XXXX through a Quit Claim Deed. My sister did a refinance is XX/XX/XXXX with XXXX XXXX XXXX   for {$410000.00} through a Deed of Trust and Promissory Note. On the Interest Only Fixed Rate Note for 120 months from XX/XX/XXXX to XX/XX/XXXX. this note was never honored by any of the Service Companies. She also did a modification with XXXX XXXX XXXX in XX/XX/XXXX. My home was foreclosed on XX/XX/XXXX. It also was ratified, and audited. I filed a chapter XXXX, bankruptcy to stop the process of my home being sold. I believe that mortgage fraud, and foreclosure fraud was involved from XXXX XXXX XXXX, XXXX XXXX XXXX, and Fay Servicing,  XXXX XXXX XXXX Law Firm, and my former attorney XXXX XXXX. They never acknowledge the Interest Only Fixed Rate Note my sister had been paying the mortgage and the principal since XX/XX/XXXX, when she became ill in XX/XX/XXXX I took over the payments until my savings were depleted and my home went into foreclosure in XX/XX/XXXX. I recently came across this information within the past week.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Consumer complaint received 2018-04-25
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: Rocket Mortgage, LLC (FL)

Last year I went looking at open houses and had no intention of buying a home. 
I have never inquired about a loan or gave my social security number but somehow it was obtained by a leader at the place I was working at and had to quit because I got an injury. That same month I got a call on a phone that only work had by a man who claimed to be a Sheriff with XXXX County Sheriff Department and told me he was told I was an XXXX XXXX. This leader name was XXXX XXXX. Suddenly I was getting calls on the phone from lenders. They claimed I filled out applications for mortgages which I never did and XXXX XXXX wife worked in a rental office where she was able to run credits inquires on anyone. I found this XXXX/quicken Inquiry from XX/XX/2017 I never applied to them I called them and they refused to remove my name. All my homes I have ever bought I paid cash for or my first home I paid off the mortgage in 15 years and lived there for 26 years. I turned off all my credit cards after my husband died. I know my ID was stolen and it's now on the black web.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX i went to a gas station " XXXX XXXX XXXX XXXX XXXX '' to get gas. When i handed my Citibank debit card to to the gas station attendant he walked to another pump station only to return and say that their internet was down and thus they couldn't charge the card. I then had a brief conversation with the attendant and then paid the balance in cash.

At no point did i sign anything or punch in my debit card PIN.

I received a charge of {$43.00} on my Citibank account.

I then made the dispute with Citibank over the phone and in written form numerous times. But Citibank always claims they never received my dispute form even though i have mailed it numerous times and faxed it to the billing dispute unit at ( XXXX XXXX XXXX ) in XX/XX/XXXX, in XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX. I always added my case # : XXXX. I constantly have to re-open the case since i receive an automated letter claiming Citibank requested necessary information and did not receive a response.

This is a simple case where Citibank should recognize that there this is a fraudulent charge. But Citibank does nothing to assist me.
Consumer complaint received 2018-05-07
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. (TX)

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, XXXX or TransUnion that this account was being placed back on my credit.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Received a phone call from IQ Data International. Saying I owed a balance of XXXX which includes 7 % daily interest for the XXXX XXXX. I explained to them that I haven't received anything in writing to date about the amount. When I asked what address they had on file for me it was not accurate. Keep in mind I moved out from the XXXX almost a year ago. Also explained that I am disputing the amount owed. 1 ). Because the amount owed involves cleaning fees in which I was told I wouldn't need to pay because when I moved into the apartment it was dirty and infested with spiders. 2 ). Because the final amount to move was given to me by the XXXX and I was told that was the full amount to satisfy the rent. They have been charging me fees of 7 % daily and threatened credit reporting if I did not a pay the amount. I explained to them I don't have the funds to pay it. They said we could look at hardship options. After providing my financial information which clearly shows I don't have anything extra each month I was transferred to senior representative. They advised that I should just charge it to credit cards, or skip a car payment to pay it. And although I am disputing it I still have to pay it and request to be reimbursed later. Her only goal was to demean me and bully me into paying it. When asked to speak with a supervisor the senior representative refused and said I was the only one they could speak with. I ultimately had to hang up and call back and the supervisor again refused to help me. When I called in tears he said maybe you should call me back when you can get it together. When I asked for options he said I just need to pay it. I would like a review of the phone call between myself and the senior representative in addition to the supervisor. The collection practices are unfair and abusive and I want the company reviewed. I was literally in tears by the time I got off the call. I know they don't care and clearly the collection practices of this company are not being reviewed. I will also be filing a complaint with the XXXX. This is not right what they did. 

Date of call XX/XX/XXXX IQ Data International XXXX
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2017 I overpaid my credit card by {$400.00}, resulting in a - {$400.00} balance. 

I have called and requested for a refund to be mailed to me each month and have yet to be receive the refund. 

Each month I call, they confirm my address, stop payment on previous check, and claim again they are mailing a new refund check, but it never arrives. 5 months in a row now. 

I have escalated this to them internally asking for a refund and they have claimed they can not do anything different except to try to mail another check again. This seems really wrong as I have been waiting almost 6 months to get my money refunded.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information.

I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

I have disputed this debt numerous times with no removal from XXXX. This account was from my ex wife child and not mine. I was told through XXXX that Credit Consulting Service said it was mine. The check written to the original debtor even shows someones name, not mine. Account # XXXX. This account was also granted to my ex through the divorce court. I have sent all documents to XXXX and the creditor and have had no luck. 
Company : CCS Date : XX/XX/2013 Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-05-07
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. (NV)

I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. 

Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection
Consumer complaint received 2018-05-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.