davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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. (FL)

XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

There are fraudulent inquiries on my report that I have not consented to ; in violation of 15 USC 1681B Permissible purpose of consumer reports. Please remove all inquiries listed below
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2018-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

I keep getting multiple phone calls from XXXX stating that it is PNC Bank saying that I have been preapproved for a loan. I have tried to contact someone to tell them to stop calling, but when I call from my office phone I am placed on hold and then it hangs up. This is stressing me out, because I know it is not PNC Bank.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX information Previous Address ( es ) : XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX contacts my house numerous times a day at all hours of the day attempting to collect a debt for a XXXX XXXX. I do not know who this person is nor have I ever known who this person is. I have told multiple people with this company that I do not know this person and they continue to call my house multiple times. Yesterday they called 7 times including immediately after I spoke to someone and told them they had the wrong number and I do not know this person.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (LA)

Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WI)

XXXX. The first payment on record for me in a past filed XXXX in the Chapter XXXX module XXXX XXXX  was entered as {$2500.00} paid XXXX but XXXX. XXXX is credited to XXXX. 
XXXX. The first supplemental claim on XXXX XXXX XXXX XXXX was for {$1500.00}. 
XXXX. {$1400.00} suspense was joined to {$1500.00} and {$2000.00} in legal fees to square away missed payment. 
XXXX. XXXX states {$1400.00} in suspense. plus {$2600.00} on ( XX/XX/XXXX ) = {$4100.00} or two payments of {$2000.00}. 
XXXX. {$2600.00} being paid with in {$1400.00} in suspense XXXX was intended to be two complete payments. 
XXXX. INSTEAD {$3600.00} in expense for me, and further example of Mr. Coopers operation.

7. Mr. Coopers choices led to supplemental claim # XXXX, not a lack of funds. 
XXXX. Mr. Cooper why did you choose to fine me {$3600.00} for a " missed '' payment that was only missed by poor choices and employee? 

This error happened in XXXX and is still not corrected and can be verified with Mr. Cooper records attached.
Consumer complaint received 2018-08-16
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. (OK)

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. Transunion responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XX/XX/2018. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I have been receiving letters from XXXX XXXX XXXX XXXX XXXX  debt collector for the last few months. The debt is about a car loan ( chase auto finance ) the dealer ship purchased for me to be able to take off an XXXX XXXX  off the car lot. I was doing well until I lost my job and ran out of my unemployment. Soon after I went back to school and was paying my car payment. Later, I went through a temp agency to work and get caught up with my past car payments. 
Chase auto was the original debt holder, and I would like to say acted unfair practice. The reason I say unfair because an ex Co worker that I ran in to a couple months after I bought my car ( at the time ) from the XXXX dealership ; she said she had purchased the same vehicle ( except different color ), and from the same dealer. With her own words said the dealer from XXXX in XXXX, CA had got her a lower car payment. I told her you must have good credit, she said no her credit was terrible. Although, she had bad credit the dealer was able to lower her car payment to {$200.00} a month. Same dealer told me they couldn't that was as far and low that car loan payment would be ( {$380.00} a month ). 
In XX/XX/2017 the car was repossessed before the repo guy took it I called chase to see if I could give partial payment and the rest later in the evening. I was laughed at, belittle, and beraided on the phone for not being able to pay my vehicle. And even though I offered to pay the late payments on my repo vehicle ( XXXX chase representative ) laughed at me and denied me the chance to pay the rest. Less then 30 days later my car was put up for auction. After, that call I felt so small because that's how chase representative made me feel. 
After, it was auctioned I was being billed for the remaining balance of the repo vehicle which is {$5500.00} and because I'm not able to pay it chase sold it to XXXX XXXXXXXX XXXX XXXX XXXX  debt collector. This debt collector has already violated my rights they have been calling family members that I don't live with and some that live all the way in XXXX, new Mexico. I have been receiving the debt that I owe but I'm unable to pay it right now because I am out of work. I don't appreciate that this debt collector is telling my business to family and I want them to stop calling family that I don't live with.
Consumer complaint received 2018-08-16
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)

THIS IS MY SECOND TIME SENDING A DISPUTE REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXXXXXX XXXX XXXXXXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP (NY)

I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.
Consumer complaint received 2018-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IN)

Please see Attachments : I received a foreclosure letter from a law firm saying I owe the mortgage co. XXXX on XX/XX/XXXX18. I called the mortgage company spoke to my account manager XXXX XXXX he stated that I have a lean on my home. I ask him why did they approve the short sale and stating that my realtor can just make a offer on my home. 
I received 2 offers on my home from buyers. I sign off on the cash offer for XXXX for buyer to purchase my home. 

XXXX XXXX XXXX Principal Broker XXXX XXXX XXXX, XXXX XXXX Referrals are greatly appreciated and are the highest form of compliment! 

On Tue, XX/XX/XXXX at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : XXXX, thank you for your email and docs. Because you have complied with the list price we will provide FC protection. The foreclosure has been placed and will continue to be placed on hold as long as the marketing continues with the agreed list price. Obviously if we approve a short sale, the foreclosure will continue be placed on hold. 



Let me know if you have any additional questions. 





XXXX XXXX Asset Disposition Specialist Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, IL XXXX XXXX toll free XXXX direct XXXX fax XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To :  XXXX XXXX XXXX Subject : RE : [ External ] XXXX XXXX XXXXXXXX PLACE PRELIMINARY HUD XXXX We have rushed this should be about 3 working days.5-7 is typically our turn around! XXXX XXXX XXXX Business Development Officer Department or Division Name XXXX XXXX XXXX | XXXX | *If wiring funds to XXXX XXXX , please call us at XXXX to verify our wiring instructions prior to wiring the money. We want to keep your money safe! 

XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Office : XXXXMobile : XXXX Fax : XXXX Email pkgs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, IN XXXX Office : XXXX Fax : XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-01-22
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: EQUIFAX, INC. (MO)

I have filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.
Consumer complaint received 2018-08-15
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 — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE (FL)

I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score
Consumer complaint received 2024-08-22
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. (NJ)

I was recently checking my credit report again and noticed Equifax put an account back on my report that was removed based on an early dispute I filed in XXXX of this year. This XXXXXXXX XXXX account reappeared on my report with no communication from Equifax. This is a clear violation of 1681i ( a ) ( 5 ) ( B ) ( ii ) - Equifax did NOT notify me within 5 days of reinserting this item on my credit report. Additionally I demand to evaluate ANY documentation received from this creditor to verify. They did not ensure that this info was accurate before putting on my report and it's unacceptable.
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XX/XX/XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o Equifax lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by XXXX, XXXX, and Equifax varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX