davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I filed a dispute to have an old XXXX XXXX Credit Card Removed from my Equifax credit report that was past the Statute of Limitations reporting period. 
This account was previously reported as closed by Equifax with the last date reported by XXXX of XX/XX/XXXX. No information updated or received after XXXX/XXXX/XXXX, account closed in XX/XX/XXXX, last activity in XX/XX/XXXX. 
Dispute verified received by Equifax on XX/XX/XXXX. Second notice that Equifax was investigating dispute received XXXX/XXXX/XXXX. 
I received notice that my Equifax account status had changed from a third party credit monitoring service, XXXX on XXXX/XXXX/XXXX. 
Checked with credit monitoring service and saw that Equifax had changed status of XXXX account from closed in XX/XX/XXXX to currently " Open '', " Past Due '', and " Sent to Collection '', which greatly impacted my credit score causing severe damage to my credit. 
I spent over 90 minutes on XXXX/XXXX/XXXX waiting for a live person to speak to at Equifax and the representative verified that there had been no investigation results to justify the change in account status, and that there had been no new information received from the creditor since the last date of XXXX/XXXX/XXXX ( Note that the date of last reported by XXXX XXXX changed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX between the XXXX Equifax report dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) when the account was reported as " closed ''. 
I filed an identical dispute with XXXX XXXX for this same XXXX XXXX account on XXXX/XXXX/XXXX requesting that this account be deleted from my XXXX XXXX Credit File due to the reporting period Statute of limitations having tolled and XXXX XXXX promptly confirmed that the account had been closed for more than seven years with no activity and deleted the XXXX account as requested on XXXX/XXXX/XXXX. 
How can Equifax respond to an identical dispute to remove an account that has been reported as closed by all three credit reporting agencies for so long that it should be deleted, by changing the account status to " Open '', " Past Due '' and " Sent to Collections '' while reporting the account as under investigation? They have also arbitrarily re-aged the account as having a last reported date of activity as XXXX XXXX with no new data from the creditor ( still reporting the file as having the last update from XXXX XXXX in XXXX, XXXX ).
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (TN)

My daughter bought a car from a buy here pay here lot called XXXX XXXX XXXX in XXXX, TN. in which I was told that I should sign on so that her payments and insurance would be much lower. After having the car for approximately XXXX weeks I began to get collection calls from Mid Atlantic Finance. I explained to the representatives that I did not have a contract for a automotive loan with them and neither did my daughter. The representative told me that they now owned the vehicle that my daughter had been paying XXXX XXXX XXXX for. They said that XXXX XXXX XXXX had sold them ownership of the car and that we needed to send them {$900.00}. I explained to the representative that until I received copies of the contracts and had agreed to them I was not sending them any money, because the {$900.00} worth of payments had been paid to the original lender. After that my daughter and I began to be harassed by phone continuously. No contracts where ever sent to me or proof that they owned the car or car loan. We contacted XXXX XXXX and was told that they thought it was okay to sale the loan to Mid Atlantic. They also stated that all payments had forwarded to Mid Atlantic and we should not be behind at all on the payments. Approximately a week later our daughter went to stay all night with a family member. The vehicle was pulled into a gated and locked fence on the property, but when she got up the next morning the gate was cut open and the vehicle was gone. When the police was called they told us the vehicle was repossessed by Mid Atlantic Finance Company and that we should make contact with them. When we contacted them we where told the car was already taken to the car auction in XXXX, TN. and would be sold the next day. We have only been contacted once since then with a letter telling us that we still owed approximately {$4000.00}. I have requested by certified mail a copy of any so called contracts they have or for them to remove this debt from both my and my daughters credit reports. I have never received any proof that this debt is owed to them or that I signed any contracts with this company. I was also told by XXXX XXXX that selling without knowledge was something they have done for years.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lionstone Holdings Group (CA)

This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NY)

I have contacted XXXX XXXX by phone several times and they will not speak to you. I have sent 2 certified letters to XXXX and they will not respond or provide proof. they have now assigned the account to XXXX different collection agencies. Each agency finds the debt is NOT mine and returns to XXXX. 
XXXX claims I owe XXXX {$1000.00}. They placed on my credit report on XX/XX/XXXX. They, XXXX, or there debt collecting representitives can not and will not provide me with proof of debt owed. 
Amazingly enough, I have been on contract with XXXX since XX/XX/XXXX and currently still am. XXXX or any other company would not enter into another contract If you owe money to them. The XXXX credit agencies keep removing XXXX from my credit report and XXXX keeps putting it back on. This has been going on for about 9 months. This must stop. Provide proof or remove from credit and keep it off
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My identity was stolen around XX/XX/2021. Someone used my information ( SSN, DoB etc. ) to apply for a loan to XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, MI XXXX. I live in the state of Washington and the credit union is located in the State of Michigan. XXXX does not provide out of state loans so they rejected the loan application. However they did conduct a hard inquiry into Transunion. I had not even heard of this credit union. This hard inquiry was reported and then I discovered that my identity was compromised. I called XXXX and informed them about the fraudulent activity. I requested them that they reach Transunion to delete the hard inquiry that refused to do so. 

I did freeze my credit with all the three credit bureaus. I filed a police report and report with the FTC. 

I tried to reach Transunion. It seems Transunion allows a dispute of a lot of information from your credit report EXCEPT the hard inquiry. There is no information on their website on how to get rid of the hard inquiry. 

It is totally unfair to me that ( 1 ) although XXXX rejected the loan because the address was out of town, they conducted a hard inquiry to damage my credit score and now refuse to correct their mistake. 
( 2 ) Transunion has no process online to allow consumers to dispute a hard inquiry. It seems they allow easy access for fraudulent activity but no on line process to corrective action.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed " Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this " XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named " XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any " Educational Products '' or " Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me.
Consumer complaint received 2016-11-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Bank of America and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Bank of America did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine this.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Consumer complaint received 2016-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Utah System of Higher Education (CT)

I am a XXXX. I have been harassed for literally years by loan collectors. I have been in school, continuously, for the past several years, and I am in deferment on my student loans. I have received a threatening message, yet again, claiming my loans will go into deferment. I have filled out multiple forms with every loan provider I have ever had, with the proper documentation, showing that I am supposed to be in deferment. I have done this at least four times in the past six months with hard copy forms, and several more electronically and via email. I have paper records, and electronic records of such communications. AGAIN, I AM IN XXXX, AND HAVE BEEN CONTINUOUSLY, WITHOUT PAUSE, XXXX, FOR THE PAST SEVERAL YEARS. I AM REGISTERED FOR CLASSES XXXX. 

I 'm extremely tired of being threatened and very tired of filling out forms for deferments, only to have another threatening collection letter sent to me a month later. I am a XXXX, and after my health insurance is taken out of my paycheck, I make just under {$800.00} every two weeks, ten months a year. I XXXX each semester, and take classes as a student myself. I 'd really like to not do this for the entire time I 'm working XXXX. I also can barely afford to live as is, please stop threatening to garnish my wages and seize money from me, etc.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have an automatic payment set up through my bank. The payments to Navient are made a week before the due date. For this month, in the five years since I 've been making payments, Navient sent me a notice that my loans were all past due. I called them to verify payment had been sent/received and their records indicated they had not received anything. They also looked through their " lost and found '' and could not find a payment matching the amount and date it was sent. I called my bank and they verified the payment was sent and it went through. I am currently in the process of fighting with Navient to fix the mistake on their end and remove the past due notice on my student loans. My bank has sent over the required " proof '' indicating the payment was made in full and on-time.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: EOS Holdings, Inc. (CA)

I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NC)

An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Other — 
Company: BANK OF THE WEST (NV)

There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.
Consumer complaint received 2015-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AL)

Once again I am putting a dispute in with CitiMortgage. I was assigned a specialist who I worked with to get a modification on house. I sent all documents that were asked for by specialist. I was told that account was under review with under writer but they still were trying to foreclose. I emailed specialist a few times over the next few weeks and did not get a response from specialist with any updates. Next I received a letter a few days before foreclosure sale date ( XXXX XXXX, 2015 ) with a new specialist assigned. The letter stated due to recent internal business change. Tried emailing new Specialist and did not get a response. Called into CitiMortgage and rep advised no one was working on my account due to last rep closing ticket. I advised them that I could not get in contact with Rep over past few weeks and now they claim I need all docs but I was under the impression that everything was in and I was waiting on outcome. They advised even though I did n't know anything about missing docs. It was nothing they could do. So I asked if they were going to foreclose on my house while knowing that I did n't know anything due to no contact from specialist with updates. They advised yes. I asked if I could record conversation and response was no. Please look into their practices. Thanks
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (GA)

It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.