davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan was set up with LoanCare LLC in   XXXX   of 2017 I made my first  XXXX  2017 Payment early in late  XXXX . They accepted my payment for  XXXX  but I started having trouble in   XXXX    2017. My wife had made a payment and mistakenly put her name as the payer. The payment for some reason was returned. Since then, I have paid over 4 times with 7 of my payments being reversed. reapplied and reversed. It has been a nightmare to try and pay my mortgage company. I made a payment for   XXXX   and  XXXX , which was finally accepted by LoanCare, on  XXXX   XXXX  2017. For a whole month there was no reversals of the payments. On   XXXX      XXXX   2017 I made Payments for   XXXX   and  XXXX  2017. Guess what happened next, they decided to reverse my  XXXX ,  XXXX  and  XXXX  payment then reapply my two payments for  XXXX  and   XXXX    thus leaving out  XXXX  and I am back to supposedly owing them another payment. I do n't understand why this is happening. I talk to my bank and they do n't show any record of rejected payments. I talked to LoanCare and all they tell me is that its the bank or that I have Non Sufficient Funds. I am struggling to make my payments on time even though i am making them on time. This should not be happening. If anyone has an opportunity to work with LoanCare LLC please do n't, Save yourself your money, time, and high stress
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation (MD)

I submitted proper deferment documentation to  XXXX  on       XX/XX/2017 .  Document was never processed and put in default status in error.    XXXX    offered me a repurchase form in  XXXX /2017. Form was submitted     XX/XX/2017 . Rep urchase form is not processed to date. Many apologies for the error but no resolution. Performant Recovery is not willing to participate in a conference call with  XXXX  to hear directly that this was an error on their end and  XXXX  is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Focus Holding Company (AR)

XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2017-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (FL)

I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???
Consumer complaint received 2017-07-19
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. (CA)

I 've been fighting with these credit reporting agencies for some time now, about incorrect information on me reports. I had a   XXXX   XXXX   in  XXXX , afterwards I filed a chapter  XXXX  bankruptcy to handle all my business expenses and medical bills.I also became a corporation at the same time to protect myself. All my medical bills went into my chapter XXXX  bk reached and still showing as open. Then I had my   XXXX   XXXX   ni  XXXX   XXXX , and until recently I have not been able to address these issues. I am peralized from the right side, and my speech is gone. I have a medical bills that are on my reports sill that they refuse to fix,   XXXX   XXXX   XXXX  , and  XXXX   XXXX   XXXX  ,   XXXX   have been reached and are showing still open.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OK)

A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically  XXXX . Stating nothing but an amount of {$590.00} States   XXXX   XXXX   to which I have never had showing open account as of  XXXX  2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus Experian,  XXXX , and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (AL)

Credit collection serv is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.
Consumer complaint received 2024-08-12
Product: Credit 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 (PA)

I am disputing the charges of {$1800.00} on my Capital XXXX XXXX  ending with XXXX due to poor communication. They just sent me a decision letter and a number to call. After I called them, they sent me an email with a link to upload my documents. However, they closed my case due to timing.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

Reference is made to my last complaint against Amex :  XXXX .
I understand that a resolution was made ; however, that resolution was made on the premise that Amex was accurate and truthful. They were not. In its response, dated  XX/XX/XXXX , they advised that none of the payments referenced cleared the bank. That statement was untrue and they knew or should have known that it was untrue.
Further, they advised that I had not proven up that I did not demonstrate that the money was in the bank. Again, their statement was false and they knew that.
The referenced   XXXX  paymen ts cleared on  XX/XX/XXXX . I took a snapshot out of my  XXXX  payment to prove up that fact. Additionally, another {$400.00} cleared  XXXX  on  XX/XX/XXXX , and they should have known that.
I believe that the bureau 's decisions are final. I think that is predicated on the truthfulness of the response. Amex was not truthful. They specifically stated that they were not reinstating for the reason that the subject payments did n't clear ( they misinformed the bureau ). Similar with the fact that   XXXX    bank did not err.
I understand that the Bureau could rule in a fashion with which I might disagree ; however, Amex should not be allowed to make what appear to be, purposely, false statements and benefit from such untruths. Amex should be held to their own statements. In this case, it stated that the reason that they were not reinstating me was because the payments did n't clear, etc. Given the stated causal connection, and given that Amex misrepresented the facts, I think that they should be held to their own statements.
Amex did reference that they called for me on  XX/XX/XXXX . I do n't know whether or not that is a true statement ; however, I do know that I neither saw the call nor did I get a message. Perhaps they could have shown the interest to make, at least, a second call.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and accurate and false information consist of four personal credit card accounts and one account from XXXX XXXX for {$450.00} the credit card accounts were from XXXXXXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$660.00}, XXXX XXXX XXXX XXXX  for {$660.00} and XXXX XXXX no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-03
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. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-19
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. (UT)

In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Consumer complaint received 2017-07-19
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. (UT)

In XXXX, I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with XXXX that was charged off on XX/XX/XXXX.
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX I called XXXX and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX. They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX. He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-03
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-18
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)

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed TransUnion,  XXXX , nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given TransUnion,  XXXX  and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.