davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX/XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-10
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. (CA)

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
Transunion 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX   XXXX 3.XX/XX/2019 XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XX/XX/XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX XXXX XXXX 1.XX/XX/2019 XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX 6.XX/XX/2019 XXXX  XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TN)

I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. 

Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC,    ' XXXX Application Withdrawn ' LVNV FUNDING, LLC,    ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX  is reporting negative information in my credit file. I’ve requested validation bearing my signature multiple times and they have failed to provide this information.In addition I’ve received notifications from the credit bureaus and XXXX XXXX stating that the account has been removed from my credit file. As of today the account is still reporting negatively. I am asking for this account to be removed immediately. I’ve attached proof showing the deletion.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (NY)

I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields.

Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency. 
This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now. 

I will consider not perusing legal action against MRS if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohl’s continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2018Bank of America closed my BANKAMERICARD without informing me that they were going to close it or the reasons why. I called Bank of America to see if we could come to a resolution but I was told that Bank of America sometimes closes accounts for no reason. I found this very disappointing as I worked very hard for this card because it was a secured card.
Consumer complaint received 2019-10-10
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. (GA)

Equifax is showing a collection account on my credit report. This account is inaccurate and despite my dispute they have not removed it nor have they provided any documentation to verify or validate that the ( inaccurate )  account that they will not remove is in fact mine or does belong to me. 
The Equifax confirmation # in question is XXXX. 

XXXX has already concluded that the account was NOT accurate and has removed it from my report ( a copy of that notice is attached as well ).
Consumer complaint received 2019-10-09
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. (CA)

I have an information on my credit report ( Hard inquiries ) that don't belong to me. 
How I can take out This Hard Inquire from my account? It's affecting my credit score.
Consumer complaint received 2019-10-09
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. (IL)

I recently obtained a copy of my credit report from Equifax that indicated that a credit inquiry was made by your company XXXX on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both Equifax and XXXX several times by phone, and certified mail. this issue was ignored
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GRANITE STATE MANAGEMENT & RESOURCES (PA)

XXXX continually lowers my XXXX score by mis rating and connecting a Gran9te State Management Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney
Consumer complaint received 2019-08-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My mortgage company Ditech Financial is currently in bankruptcy. Four months ago they sent a letter instructing us to start making our mortgage and insurance payments separately. They also changed our one account number to two different account numbers. We followed the instructions and its been nothing but issues. Ditech is claiming we have not made any insurance payments. We pay via bill pay. We have called multiple times, our credit union called them, we have sent proof of payment, our credit union has sent proof of payment. We have written letters, sent certified letters, verified the account numbers. When we call they simply say we did not make the payments; they have not responded to the letters. All of the payments have been made, all on time, proof of payment has been sent and they refuse to correct the account. This is not a clerical error, what they are doing is criminal. Has anyone seen the amount of complaints against them?  Its unbelievable, they are ruining peoples lives and nothing is being done about it.
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (SD)

My Daughter took out three pay day loans online from three different agencies. One was called XXXX XXXX, In XXXX XXXX, and the third was XXXX XXXX XXXX. She ended up being late on all three accounts. All three online loan companies do not follow the regular mandated rules by the state on which the loan originated. Instead they were all three routed through different reservations and all were charging 7.9% interest daily 2,883.5% interest rates per year. When I called to make restitution's for these loans only one company agreed to take a check from her father. I am a little confused by this, it should not matter who is paying the debt along as the debt is being paid.Would like to see the online lending loan sharking business to follow the state's guidelines where the loan was originated. Hence a Drop Down box on the state. If you are borrowing from XXXX, XXXX, XXXX,etc. They could charge you no more interest than the state would allow. I was sick to my stomach that in America predatory lending practices would be allowed to survive.
Consumer complaint received 2019-08-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (IL)

This Company Sunrise Credit Services Inc, put that I owe {$170.00} on my credit-these are the dates this Company put this on my credit. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX how many times are this going to put this information on my credit which is in-correct- I called them and told them this bill of {$170.00} was paid about 5 months ago it's XXXX   wireless bill I have good credit with them, I'm also going to report them as well to the XXXX for putting in correct information on my credit. I expect them to take this off my credit or I will get a lawyer to handle this.
Consumer complaint received 2019-08-18
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. (TX)

I contacted Transunion on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Transunion, to determine the accuracy and completeness of public information. XXXX verbalized to me that the information was verified by the Bamkruptcy Court, but stated that I would receive a written statement in 5-7 business days.  I received a written response within the allotted timeframe but it was my credit report which stated "Transunion obtained information about your bankruptcy from third-party vendor: XXXX ..." I contacted Transunion via phone to clarifiy there process and I did't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers) it is a violation of my rights as a consumer and the information should be deleted from my credit report.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MA)

I and my family stayed at the XXXX at XXXX XXXX apartment at XXXX ( currently named as XXXX XXXX at XXXX with address - XXXX XXXX XXXX, XXXX, XXXX ) for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 


I have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed Signed by XXXX XXXX XXXX representing the apartment management e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 


Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( NCS ) is not the same. 


The apartment management sent a demand notice claiming the unresolved maintenance issues as damages. We responded thru our attorney with the above facts for the demand notice sent by the apartment management. We were ready to pay the utilities bill that was legitimate. However, the apartment management did not respond and transferred our account to collection agency National Credit Systems ( NCS ). 


NCS communicated with us and demanded a sum that is more than what was demanded by apartment management ( the apartment management demanded {$1500.00} while NCS demanded {$2300.00} ). NCS did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. Our effort to negotiate with NCS for a reasonable settlement were not accepted by NCS.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (FL)

I had a mortgage that was paid perfectly for 10 year and was set up on auto debit from my checking account. I changed checking account and the payment was not made for one month. The mortgage company made no attempts to contact me after the 10 day grace period. I know they had my correct phone number because they were constantly calling me to refinance the mortgage in question. I contacted the mortgage company and filed a compliant. They told me that it went to a committee and it was voted to remove this from my credit. It was not removed. I can only assume that they do not call customers about late payments so that they can charge late fees.
Consumer complaint received 2019-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I put a down payment on a puppy through XXXX. The "breeder" who asked for the downpayment had me send him the money through XXXX, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees".  I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked XXXX for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, Capital one. I explained to capital one that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. Capital one did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to Capital One-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account.I don't know who is responsible-- XXXX or CapitalOne-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX balance.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

i was the victim of identity theft and all 3 credit agencies have been investiagating along with the creditors and have deleted them from my report.  Discover card has not investiagted it, and simply mailed be a statement with a balance and say i owe this amount.  I provided them a phone number and ftc report and details on why the account is not opened or mine at all.  Credit agencies  have deleted it and confirmed, i received a letter from discover the other day 40 days after the dispute that they are handing the matter over to a law firm.  I will try to call them again and give them the info i had provided them.this account is not mine and thier harrassment of calling me has never stopped since my original ftc complaint. Thank you XXXX XXXX XXXX
Consumer complaint received 2019-10-08
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. (CA)

I have been trying since XXXX to have Equifax remove a fraudulent credit inquiry from my credit report. I have spoken to them on the phone numerous times, mailed and faxed documents, and have received TWO reassurances : once in XXXX and once last week ( both with CONFIRMATION NUMBERS ) that the inquiry had been removed. Yet it is still there. I have given up dealing directly with Equifax given their apparent inability to resolve this matter to my satisfaction, and due to the fact that they outright lied to me about the fact that the fraudulent inquiry was removed ( TWICE. ) First confirmation number is on the uploaded document. 
Second confirmation number is XXXX
Consumer complaint received 2020-04-23
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: TD BANK US HOLDING COMPANY (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.