davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (TX)

Received a voicemail from the telephone number XXXX and this is what it stated " Hi this is XXXX XXXX calling with the Department of Civil Processing here at XXXX XXXX XXXX. I 'm calling for ( my full name ). ( My first name ) This is your final notification regarding case number XXXX. Now due to your negligence to respond and attempts we have made to contact you, the Department of civil processing is now deemed you non-compliant in our district policy at this time you will be placed on a schedule for your hearing. We hearing back later at ( my address ). You will have to sign for them and appear. Any questions or concerns I can be reached directly at XXXX. '' This is the 2nd voicemail this week from different number and I also received a text message with my ssn from an XXXX number, stating I was going to have legal actions against me. This is becoming a weekly ordeal as well as they are calling members of my family by getting their phone numbers from online.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (TX)

I previously made a complaint about this company putting this debt on my credit report as a result of identity theft. I am requesting that a investigation be done and how and proof. The company responded to my first request but only to say that the email and phone numbers matched. That only proves that someone stole my identity. I am demanding a proper investigation and removal of this account from my report as it is damaging my name.
Consumer complaint received 2017-08-15
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. (GA)

XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX Re : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XX/XX/XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-25
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. (TX)

Equifax will not remove fraudulent inquiry with XXXX XXXX and XXXX XXXX. Those are fraudulent inquiries. Police report file identity theft Equifax will not report my mortgage from XXXX XXXX  to my report after several attempts from XXXX and me to add to report. 

Equifax will not add my XXXX XXXX loan or authorized user account to my credit report.even after several attempts requested by XXXX XXXX. 

Equifax will not remove fraudulent XXXX  XXXX open on credit account. This account was fraudulent. 

Equifax will not remove fraudulent fXXXX XXXX XXXX  account open on my credit report. 

Equifax will not update my correct address XXXX XXXX XXXX XXXX XXXX after several verbal request and written requests. 

Please I ask you to request Equifax update my report immediately for these collection are fraudulent and inaccurate.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

The Borrower is in Chapter XXXX Bankruptcy. The Order for Loss Mitigation was XX/XX/XXXX.
The loss mitigation application was submitted to Nationstar on XX/XX/XXXX.
The borrower was denied on XX/XX/XXXX without sending the paperwork through the XXXX XXXX XXXX per the Bankruptcy Court Order and Nationstar did not provide any of the guidelines or explanation of underwriting requirements that prevented the loan modification.
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (GA)

I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
Consumer complaint received 2017-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Social Finance, Inc. (CA)

I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I submitted a refund request on XX/XX/2022 to my loan servicer, Edfinancial, for my student loan payments made during the payment pause. The refund amount I have requested is XXXX dollars. I have called Edfinancial on XX/XX/2022 to see if my request had been processed by the company and it hadn't. I then called on XX/XX/2022 ( six weeks after submitting my original refund request ) to check again if my request had been processed and sent to the department of education by Edfinancial and it has still not been processed. When I call to inquire about the status of my refund request, the representatives are very reluctant to give me any details or timelines on when I should expect to have my refund request processed and sent to the department of education.
Consumer complaint received 2017-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

I purchased a XXXX XXXX XXXX XXXX from Carhop in XXXX, WI in XX/XX/XXXX. About a week after purchase, the A/C stopped working and the transmission began to slip. I contacted Carhop to try to fix the issues and they said they would not fix the car at no cost, the repairs were more than I could afford. I received a letter from an attorney about a lawsuit he was filing against Carhop and advised me to voluntarily surrender the car. I turned the car in but decided not to be involved with the lawsuit due to family issues at the time. Carhop removed the account from my credit, then 6 months later sold the debt to Universal Acceptance.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-08-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

IN PREVIOUS COMPLAINT REGARDING USAA FEDERAL SAVINGS BANK ( FSB ),  THEY ALLEGED THAT THE ( FSB ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( FSB ) RESPONSE.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 4 business days after the date of receipt.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

**Inaccuracy of information. The information reported is incorrect. ** Account Name : XXXX XXXX, Account Number : XXXX. 
Hight Balance : XXXX shows {$2500.00}, while XXXX and Experian show {$3100.00}. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Date Opened : XXXX shows XX/XX/XXXX whole Experian and XXXX show XX/XX/XXXX. Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2017-08-15
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: Experian Information Solutions Inc. (CA)

Experian is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using Experian 's website and by mailing in a written request but have not received a response.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A. (IL)

Today, XXXX XXXX, 2017, I became aware of the fact that Citibank N/A has been contacting my employer about a debt that is owed to them. This contact has occurred despite the fact that a valid phone number is on file with the company and that I have tried to settle the debt ( which I described in a previous CFPB complaint ). Citibank N/A is attempting to retaliate against me by contacting my employer, so as to interfere with my business relationship with a third-party, in violation of federal laws such as the Fair Debt Collection Act. Please contact Citibank N/A, immediately, make them cease and desist. There is no reason for Citibank N/A to contact my employer and I have contacted an attorney, so as to hold the firm responsible for their abusive debt collection practices.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (UT)

On XX/XX/XXXX I called XXXX to report a balance on my credit report that showed over 90 days late and was charged off. After being on hold for over 2 hours and being transferred to multiple people I received a Case # XXXX. 

On XX/XX/XXXX, I called XXXX again to report that the charge still showed on my credit report. After the 3rd person they transferred me to collections and she asked me how I was going to pay the {$2500.00} to clear the account. This is when I realized this was a fraudulent transaction. 

Someone had applied for a XXXX credit card in my name with a very old address. The collections said they would create a fraud action and that I was to find the status by email addressed to XXXX. I did that and the email bounced. I subsequently sent and email to XXXX which is a valid email address. 

To this date I have not received a response and am dreading calling tomorrow and spending hours on the phone.
Consumer complaint received 2017-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I opened a credit card account with a clothing company called XXXX it was issued through Comenity Bank approximate date opened was XXXX 2017 I bought one item then closed the account. I continued to make payments till the account was paid in full. After making the last payment I received a bill for XXXX plus a XXXX interest charge saying late fee this was XXXX. I contacted them and informed them this account was closed and paid off. I was told it would be taken care of. I have continued to receive bills every month for the past 3 monts with the most recent being XXXX for late fees!! Again this is a closed and paid off account!! Comenity bank is trying to wrongfully extort money from me and have reported this to the credit bureau this will affect my score. Please help me with this issue.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (TX)

On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.