davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (WI)

In XX/XX/year>, I hired a lawyer and informed XXXX XXXX that I would be filing for XXXX  XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>, and it was discharged at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, XXXX XXXX continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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.

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 8
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NY)

The loan was received. A W-9 IRS form was requested nd also a 1099A for acquisition. The request was denied when it is the law to fulfill the request. 1099A was submitted along with 1099C for cancelation. The creditor still ignores the fact the acquisition took place and the account is settled.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 2022-02-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

For the past four months, I have been receiving telephone calls from XXXX XXXX and other third-party companies seeking a resolution to an XXXX debt dated XXXX that was paid and resolved through a court stipulation in XXXX. Today, the XXXX XXXX XXXX, XXXX, stated is NOW a Capital One Credit Card ending in XXXX. I told her that a debt linked to a Capital One credit was resolved in XXXX XXXX, NJ XXXX in XX/XX/XXXX and for her to conduct due diligence before calling me again. I further stated that I have no outstanding debt or account with any credit card agency to date. 

Please ask XXXX XXXX at XXXX to stop harassing, threatening, and calling with false allegations and attempts to contact my employer.
Consumer complaint received 2017-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cherry Creek Strategic Advisors, LLC (MI)

I recived a very disturbing call from my son 's father stating they were taking my son away giving full custody to him because & to have him contact me for me to contact them? I contacted a lady who was rude & stated I allegedly applied for a loan on line over 5 years ago & did n't pay it back & that I would need to make a large payment today to keep my case from going to court and being locked up at my work place. Never once did I receive any correspondence nor do I even remember 5 years ago, although It does n't sound like something I 've did. The lady even told me I had a good back ground & did n't want this to end up on my credit however still needing to make a large payment. I stated to her again I have no clue what your taking about but please send me some info and I 'll review it and get back with you, even spoke with a manager who was suppose to email me documents, never recived anything and here it is again today she calls my son father again stated today will be the day I go to jail if I do n't contact her back. This lady have stressed me out not to mention I 'm with child. I want this harassment to stop for good and no that my son is safe. Please help
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-02-24
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX {$71.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Greetings, I submitted a complaint for an account that has been reported on my credit report, that is not my account and that should not be on my credit profile. I have disputed this account several times and have even provided documentation from other major credit agencies XXXX and XXXX that shows they have removed this account from my credit files. However Experian continues to have this account reporting. This is not right and a violation of my consumer rights. I tried to attached my documentation proof the XXXX removal letter but the website wouldn't allow me to. 

The account XXXX XXXX Bank XXXX is being reported on my credit report. As stated before this is not my account. As a victim of identity theft. Under the fair credit reporting act FCRA 605B ( 15 U.S.C. 1681c-2 ), I have taken the steps to notify all parties of this inaccurate reporting yet it still remains on my experian report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (TX)

My debt is with Sentry Recovery Collection agency based in XXXX XXXX, NV. This debt has recently showed back on my report after not being on my report for over 4 years. I called them and stated where the debt is coming from they said an aprtment I use to live at. They stated I owe 1600 dollars which is false. I called the company that gave them the debt and was told it should only certain amount owed of 400.00. When I contacted the collection agency they argued with me and stated the balance of 1600 was correct .. in which they later found out that 400 was owe, they then adding 250 dollars of interest and stated I owed XXXX. After this incident I contact the property that gave that number and was told it was incorrect. Due to the moved explaining the reasoning from moving from the apartments was due to a legal reason. A restraining order was file by the state of Nevada due to legal reasoning leaving my property home
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
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: New Century Financial Services, Inc. (NY)

New century financial services is subpoenaed me to fill out a questionnaire for the amount of {$1900.00} on a bill I never had and its dated back in XX/XX/XXXX. Tells me if I dont fill it out I am in contempt of court if I dont comply and fill out the info. They said I paid money last year and I never did. I dont even know what this is about. 
I just got this today XX/XX/XXXX. A lawyer company through XXXX XXXX  XXXX in XXXX issued me a notification along with the Supreme Court of the state of New York county of XXXXXXXX. Does not look legit and the questionnaire is asking a bunch of personal questions such as SSN ( which is already on their file apparently ) and asking for my income and other info. I do not owe this bill.
Consumer complaint received 2024-09-04
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. (TX)

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter dated XX/XX/year>. In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. 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 2020-02-29
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: American First Finance, Inc. (IL)

I have had an account with American First Finance since XX/XX/XXXX and the company has failed to report my account with the credit companies. I paid the company in full on XX/XX/XXXX. Then I called today on XX/XX/XXXX, XXXX and I was hung up on twice on the phone and the company has failed to report my loan account.. I asked to speak to a supervisor waiting on the phone for over 25 minutes only to be treated rudely and hung up on and he provided no information, his name was XXXX.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Student Loan Care, LLC (NV)

I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied refinance of my current mortgage at Bank of America on XX/XX/2020. The application number is XXXX. I discussed and negotiated with loan officer XXXX XXXX and the timeline as below : XX/XX/2020 : Bank of America run credit report and received FICO score XX/XX/2020 : Bank of America provided loan estimate with no points, 3 % interest rate for 15 year fixed term. 
XX/XX/2020 : Mortgage is conditional approved. There is no loan estimate on conditional approval statement. 
XX/XX/2020 : Received closing disclosure. However there is XXXX points, which is {$5900.00} listed on it. 

Bank of America keep saying this point is always there. However, I never saw this point showing up on any disclosure before XX/XX/XXXX. I would not move forward if I know the loan has points since I would not accept this kind of loan in my whole life.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing with Transunion and they do not want to fix issues. They keep saying the item is accurate when it is not. I contacted the creditor. They told us the problem is with the Credit Bureau and they need to fix it. The creditor then provided me with letter that you will see attached as proof. They gave this letter to me so that I can have Transunion fix it. I sent this letter to transunion certified and they are yet to pick it up. The item in question is for XXXX XXXX XXXX. It was closed and charged off. The account number is # XXXX and it was charged off and closed on XXXX and Account # XXXX was closed and charged off on XXXX. It is showing on credit report as opened and not charged off with a monthly payment. There should be no monthly payment shown either.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Please note that in XX/XX/2020 our lender RUSHMORE allowed us to make us of their mortgage deferral payment for covid pandemic taking place. we were told we could defer our mtg payments and the missed payments would be added on to the end of our loan.

However two weeks ago we received a letter from Rushmore that we were going to be in foreclosure as of XX/XX/2020 if we did not make all the missed payments. 
We contacted our lender rushmore and we were told we must do a loan modification. we want to keep our loan. however we did not want to do the modification. we wanted to do the payment deferral that was offered to us in the attached documents. we do not want to lose our home. please advise us what to do.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DC)

I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. XXXX XXXX/XXXX. Since I used this service through my Chase Bank app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on XXXX before realizing it was probably a scam. I called Chase Bank, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to XXXX after confirming that the certified check was bad and would eventually bounce. XXXX lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked XXXX for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out. When I contacted Chase again, they said that wasn't the deal, and they would have no part in investigating this. I called XXXX back, who directed me to Chase. I finally spoke with someone at Chase that told me none of this was their problem since I initiated sending the money - even though I was tricked into doing so. I received zero sympathy and they said this wasn't considered a scam or fraud ... despite the fact that I'm now out {$1700.00}, feel like a total idiot, and no longer feel like I can trust my bank. Completely dismissive and I clearly have zero recourse, despite the fact that I used my banking institution that I thought I could trust and would help cover some amount of losses or liability. Apparently fraud is only fraud when I don't initiate it.