davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax reported back to me that the inquiries were verified. I have XXXX inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) in which I did not give permission neither time. The XXXX time in XXXX, they " assured '' me that it was only an internal check to see if I would pay a deposit and that It would not even hit my credit report ( not even as a soft pull. ) Well, it did and the XXXX in XXXX is totally bogus, I did not give them permission to pull at all ; did n't even have a discussion with them about my credit since XXXX when I signed up for service. I have checked some forums to find that this is an epidemic with comcast which is why I am a part of the class action suit that is now against them for this very reason. XXXX XXXX, which has pulled my report under the name XXXX, also told me ( in their XXXX XXXX location in XXXX, TX ) that the pull would be " internal '' and would not hit my credit report because, as stated by the rep, they provide in house financing and would only be checking to see how much i would qualify for and that it was not an application for credit.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. 

Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (CA)

This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TN)

I got a little behind on my payments so I was contacted by a representative and we came to a verbal agreement that I would pay a month payment and then I 'd pay more in a few weeks, but before my next verbal payment was due, they came and retrieved the merchandise while I was at work. Then they added a whole months payment onto my account. I 'm not saying I do n't owe them but I know I do n't owe them what they 're claiming I do. I 've called then several different times for incorrect billing amounts.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC (AZ)

I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IN)

EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (LA)

Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seashine Financial, LLC (AZ)

I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient?
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.
Consumer complaint received 2024-10-12
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. (TX)

I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my XXXX XXXX and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report. 
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 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CO)

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
Consumer complaint received 2024-10-11
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (WA)

Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. 
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. 

I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/XXXX I received a letter from American Express stating that my APR was going to be increased. I called in XXXX XXXX to object to this increase to 15.24 %. I spoke to a representative named XXXX at XXXX, who put me on hold to speak to his supervisor to discuss my objection. He came back to the line and told me he was happy to tell me that my APR rate would not change and would remain at its original APR which was 10.24 %. I documented the employee 's name, date and time of call, and he gave me a reference number which is XXXX. When I received my XX/XX/XXXX bill I saw that my APR had been increased although I was told it would not be increased. I called and I spoke to XXXX representatives, XXXX supervisors, and a manager. I spoke to XXXX on XXXX/XXXX/15 @ XXXX XXXX ; he passed me on to his supervisor XXXX. XXXX told me he could submit a request for my APR to be reduced and file a complaint, but that was all he could. I was very frustrated as I wasted my time talking to them. I called American Express back during normal business hours the following afternoon, hoping to get better results. I was disappointed. I spoke to XXXX this time and he told me he could not do anything for me, so I asked him if I could speak to his manager. He encouraged me to push the issue as far as I needed to in order to get what I needed. He then passed me to his supervisor named XXXX. XXXX said that all he could do was offer me the XXXX dollars to compensate me for the increased APR on the purchases I made. I then asked to speak to his supervisor and he gave me XXXX. She was based in XXXX XXXX, Florida. She told me the same this XXXX said and was very apologetic. I accepted her apology, but told her that I wanted her company to keep their word and keep reduce my APR back to 10.24 % since they told me it would not be increased. They each told me that they do not know why the representative told me my APR would stay the same because he does not have the authority to do so. I told each of them to listen to the recording of the phone call, because he left to speak to a manger during the call. I am upset by this ; I made purchases on my card believing my purchases would be at my 10.24 %. The American Express employees that I spoke to said the best they could do for me is give me XXXX dollars to cover the difference in the APR for the next few months. XXXX dollars does nothing for me ; I want them to keep their word and reduce my APR back to my original 10.24 %.
Consumer complaint received 2016-07-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
Consumer complaint received 2016-02-18
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (NC)

On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX County courthouse defending my property against Nationstar Mortgage LLC who is a debt collector 1692a ( 6 ) who was attempting to collect an alleged debt that is for personal, family and household purpose 1692a ( 5 ). The consumer transaction had been timely rescinded pursuant to 15 USC 1635. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ). Nationstar Mortgage LLC knew or should have known what it was doing was illegal bringing a debt collection action into a creditor related non-judicial state court action in violation of the FDCPA 1692i. Nationstar Mortgage LLC through counsel did place my private and personal contracts into the public in violation of privacy laws causing further harm to me. For these reasons stated above I am placing a complaint against Nationstar Mortgage LCC based on their conduct and behavior with the Consumer Financial Protection Bureau.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OK)

I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CO)

All XXXX major credit reporting agencies have received Disputes ( directly and through CFPB ) about the deletion drop off dates on XXXX ( simultaneously ) charged off, alleged Amex accounts on my credit report. Fairly consistently however they report the first major delinquency as XX/XX/XXXX. Thus the deletion drop off date is XX/XX/XXXX. Unfortunately XXXX, XXXX, and XXXX ALL report Amex has responded to their attempts to verify, the correct deletion dates via the " Dispute Response from Data Furnisher '' with a WIDELY VARYING deletion date. XXXX, in fact when there can be only XXXX. Clearly this is impossible if the Amex response to the CRA 's was consistent, accurate, and in fact, diligently investigated.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ORG GC GP BUYER, LLC (TX)

I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

by mistake my property taxes were calculated in XX/XX/XXXX without the homestead exemption. When we realized we were paying the double of property taxes, we went to our County office to get that corrected. In XXXX XXXX they corrected that and they returned to Seterus ( mortgage bank ) the money that we had overpaid. So we expected to get our money back ( {$1300.00} ) and to get a new escrow analysis because the payment for property taxes was not XXXX it is XXXX. We have called them several times and nobody has an answer for us. We also paid our flood insurance cash for ourselve and they continue charging us a mortgage payment with the wrong property taxes and with the flood insurance included. We are paying XXXX instead of XXXX. They are making us to fail in our payments because we are a family unable to pay that amount.