davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been discharged and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

LL Bean CitiBank MC showed a purchase of {$1300.00} made in XXXX CA ( XXXX away ) on XX/XX/23. I have no knowledge of this purchase or the company and have never been to XXXX. I phoned in a fraud alert to LL Bean CitiBank MC and they investigated. They wrote me ( postmark XX/XX/23 ) showing an invoice from the store for {$1200.00} plus {$110.00} for a total of {$1300.00} placed at XXXX. This transaction WAS NOT chip verified, and was PHONE OR INTERNET placed and NO shipping or tacking information was listed. The product is a pair of batteries weigh well over XXXX #. THE LETTER FURTHER STATED THEY WERE REFUTING MY CLAIM and charging me for the purchase UNLESS I provided proof supporting my claim and gave me until XX/XX/23 to prove my case. ( It's hard to prove I did n't drive XXXX to buy something ) I sent registered mail ( sent XX/XX/23, delivered XX/XX/23 ) my rebuttal again swearing I had nothing to do with this purchase, pointed out the above facts and a photocopy of a credit card purchase showing me purchasing gas XXXX away on that date at XXXX. They sent me a second letter SENT BEFORE ( XX/XX/23 ) the XX/XX/23 deadline given me. This finalized their dismissal of my right to claim. They have not responded to any further letters and are billing me for a fraudulent charge.
Consumer complaint received 2023-09-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC ()

Flagstar bank has violated the cares act multiple times and put myself, my family and my work in unnecessary financial stresses that have led to negative outcomes. They admitted it once and then turned around and did the exact same thing they knew they did wrong all over again. 

The Cares Act stated that they can not charge fees or refer to foreclosure and they referred you to f/c 2 times once on XX/XX/XXXX and then again on XX/XX/XXXX. This is considered dual tracking and is not legal. 

This is the second time I have had to deal with this. They have sent people to my door weekly with foreclosure papers, harassed us, and told me the VA denied everything when none of this is true. The VA has extended the program out until XX/XX/XXXX and I am supposed to be able to be on it by then. 

My VA rep sent me documents showing that I am on forclosure till XXXX and I was calling to get the extension but was once again told my home is going to forclosure and I am not on a forbearance plan. I have tried contacting Flagstar countless times and have left countless messages for XXXX in lost litigation and noone ever returns my calls. 

This has cause a huge strain on my family and is part of the reason we are now in the middle of a divorce. 

They have destroyed my credit and cause so much strain on my family and work. This is uncalled for They contacted me while on my family vacation telling me my appeal has been denied and if i dont pay XXXX my home will be taken in foreclosure I can get you any documentation needed from the VA that shows all the dates etc. My rep there is XXXX XXXX.
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (IL)

I am working with United Wholesale Mortgage ( UWM ). For the past month I have been attempting to make a payment to recast my loan. It took several weeks for UWM to mail me wiring details but that was finally received. Ten days ago I wired the funds to perform the recast but have now received no response from UWM on next steps. They are now holding my funds but not performing the recast or sending any additional instructions. Today, we received a letter in the mail from them again explaining how to wire funds to them, which we did ten days ago. I dont know if they are clueless, incompetent, or just are refusing to perform the recast.
Consumer complaint received 2023-09-10
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. (MI)

There are 5 hard inquiries on my credit report that I did not authorize or consent for. The Fair Credit Reporting Act clearly states that the only permissible purpose for pulling a person 's credit report is for : 1 ) a firm offer of credit 2 ) insurance 3 ) an application for employment, or 4 ) a court order The items listed above are not related to one of the allowable purpose, as it have been reiterated from The Fair Credit Reporting Act.
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (SC)

I am missing 3 years of payments to count towards my PSLF request. If I had those 3 years I would fall into forgiveness. I am missing all of XXXX, XXXX, XXXX and some of XXXX. I was employed at a non profit during that time, I was not in school, and I was paying on my loans.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act the following accounts has violated my rights : 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  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION XXXX ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Resolution Group (DE)

I defaulted on a business loan in 2022 and was unable to restart payments due to a significant loss and income and having a large amount of money stolen. I received a Team 's message from my employer yesterday, " XXXX XXXX, XXXX. Pre-litigation complaint. Asking for a call back regarding you personally. XXXX ext XXXX. '' This was concerning to my employer because we are in healthcare and I was forced to disclose that this is regarding a personal debt and not a HIPAA violation or other concern that would impact the company. The collector did not reach out to me personally or provide any written correspondence regarding the debt, but rather chose to communicate directly with my place of employment. 
During my conversation with the individual, she used inappropriate terms were used, such as me being sued for " theft of services, '' which refers to a crime that can be punishable by jail time. I defaulted on a {$50000.00} loan, of which I have paid back over {$30000.00}. I believe this language was purposely used to intimidate me.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did XXXXwo disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXX XXXX for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have zero balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I requested for a card from Amex and before I received the card, I called them to ask for it to be closed because I did not understand some terms. On closing the card they was no disclosure that even know I had no history using the card that closing the card would cause my credit score to decrease. 

I therefore asked for the card closure to be removed because of the Amex error in not disclosing and they have yet to remove the card closure from my report. 

Investigation into why my credit card account was closed with out AMEX disclosing that that will cause my credit score to decrease. I asked for AMEX to take this out of my credit report for the error on their part and they havent done that.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (MD)

They denied me for too many inquiries and that is bull 18 usc 9.

12 usc 1431.

18 usc 911.

15 usc 1691.

15 usc 1642 12 cfa /1002 19 cfr 24.3.

12 cfr 1002 18 usc 1001 15 usc 1602 15 usc 1681 c2. 15 usc 1605 18 usc 242 depriving me of what's mine and keeping me from my rights according to the US Now these are violations that can be brought up for a law suit in which thats the next step if not resolved
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, Experian and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$820.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX Inquired on XX/XX/year> XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (OH)

I purchased a product that was financed through GreenSky and backed by Goldman Sachs. I paid off the account in XXXX of XXXX and the company stopped reporting to my credit entirely. However, they failed to show the account as paid in full and a balance remains ( XXXX  XXXX  ) of {$15000.00}. I have called the company 3 times and, to date, the credit has not been adjusted to show that the balance has been paid. The company responded to my credit dispute in XXXX that the " account is reported correctly '' which is also a false and misleading statement indicating that thee company does zero research into customer concers relative to credit.
Consumer complaint received 2023-09-10
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. (AL)

XXXX, Transunion, XXXX are allowing XXXX XXXX XXXX XXXX XXXX XXXX to violated my federally protected rights according to FCRA. 

15 U.S. Code 1692d A debt collector may not engage in any conduct the natural harass, oppress, or abuse any person in connection with the collection of a debt ; saying I am late and imposing late charges when in fact a finance charge was already enforce. 

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 any purpose, * CA is reporting my payment status late & sending false information to bureaus, violating the FCRA XXXX XXXX XXXX has been reporting that my payments are {$300.00} but charging for being late although Im paying them as agreed XXXX, plus i pay {$100.00} extra - [ ] 15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer ; the are abusve and destroying my payment history or my credit report - [ ] 15 UCS 1605 finance charge sum all charge including late payments ( which is in my contract ) so why are they triple charging me & adding imposing fees, another violation 15 U.S. Code 1681 The responsibility Consumer reporting agencies have assumed a vital role protecting information on consumers ; by ensuring fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-02-11
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. (CA)

Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX   Fraud divisions scams using XXXX Frauding scams  using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX Fraud scams using XXXX with an XXXX   Frauding scams using XXXX school as business permits Fraud scams using XXXX court building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using XXXX frauding fXXXX XXXX School Frauding scams using XXXX apartment Fraud scams using using XXXX XXXX Frauding scams using XXXX XXXX Frauding scams using XXXX  as attorneys in Azorina Frauding scams using XXXX families using XXXX Frauding scams using XXXX XXXX  school as IDs and others business Frauding scams using XXXX XXXX XXXX in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using XXXX resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX death record of XXXX Indiana of serial numbered documents Frauding scams using XXXX   frauding scams frauding my grandfather who is decest of XXXX Indiana Fraud scams using XXXX XXXX XXXX   and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX Hospital of XXXX XXXX Indiana Frauding scams using XXXX XXXX Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX XXXX  colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX XXXX XXXX clothing Frauding scams using XXXX XXXX XXXXXXXX as IDs in XXXX Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (VA)

Hi I really need your help. I was fraudulently charged on my card after I closed my account. A Goldman Sachs employee confirmed my account is closed and no further charges will be incurred. Today, I received a delinquent notice from the credit bureaus. I really need help with removing this late report because I am in the process of buying a home. I need to report employee fraud as this was extremely troubling and fraudulent
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

According to a letter I received from Equifax, they were unable to locate a XXXX XXXX for me. The stated reasons were : You have not applied for credit recently. You have not actively used credit in the past 10 years, or You have not lived in the United States or have not been issued a XXXX Social Security XXXX. 

This is the second time they have been unable to locate a Credit profile for me despite identifying information being sent through this website.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax will not release my information to the other credit bureaus so I can review all three of my reports and credit scores. Equifax has removed my previous address from my credit report and is incorrectly reporting my length of time at my current address.