davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (CA)

These accounts were previously removed from my credit report as apart of fraud and was refurninshed still with incomplete information XXXX XXXX XXXX Account Number XXXX XXXX This account was refurninished and the changed the account number and added a XXXX to do so after the investigation was already complete also this account still doesnt have a high balance hownis this complete and true and why would you refurnish a fraudulent account XXXX XXXX XXXX Account Number XXXX XXXX This account was a fraudulent account and was also removed how dare you add this account back when it says that it was charged off yet it has an avail balance that means you guys never insured that the reporting was correct before you reinserted it to my account I demand that this is removed immediately.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (TX)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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 2024-06-28
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (NC)

Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( c ) this law clearly states If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. I have not done business with this company and this company has communicated a debt on my credit report which is in violation of said law.
Consumer complaint received 2023-08-03
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. (NY)

Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/XXXX.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXndiana XXXX at the time I paid him $ XXXX XXXX XXXX dollars My personal information he has deceptively used my personal information committing fraudulent activities an personal harming my creditibility filing and opening accounts without my authority or permission. Please remove the Bankruptcy filed causing me fianancial hardship and declining issues. XXXX XXXX account opened fraudulently leaving tremendous debts reporting on credit reporting agencies. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE CORPORATION (SC)

In XXXX of this year, I made use of the XXXX XXXX XXXX offered by South State Bank to make use of the XXXX XXXX and XXXX XXXX deferment or forbearance while I was unable to work. After five years of never missing a mortgage payment I was told by the loan modification department that I did not qualify. From the start, I provided all tax, payroll and proof of hardship ( I had a XXXX XXXX at the end of XXXX, and XXXX weeks after I fell off a stool and XXXX XXXX XXXX around the XXXX XXXX XXXX XXXX XXXX XXXX ). I finally got a loan modification, but it took me until XXXX to finally attain it due to the loan modification department constantly providing me with false information, unnecessary and incorrect forms for me to return. From the very start it was like playing whack-a-mole with South State Banks mortgage department. I have made XXXX trial payments so far, and I returned to work during the first part of XXXX. While taking four months to resolve my medical hardship mortgage repayment, South State bank has been ruining my credit rating by posting late mortgage payment for four months. I requested that the incorrect information be taken out of my credit report, but to no avail. Why a mortgage company ruins their customers credit just to take advantage of South States Banks medical hardship program offered by them is beyond me. Not only did they jerk me around for four months applying for the hardship program, but they also decided to ruin my credit during the whole process. 
Just today, I received my South State Banks payment statement today with the wrong monthly payment amount of {$1000.00}. In addition to the wrong amount, the statement is asking me to pay a balance of {$5500.00}, which includes Fees Charge Since XXXX XXXX of {$94.00} ( whatever that is ). All this continues to happen while Im on the last Modification Trial Payment. This is the kind of inaccurate information Ive had to deal with since XXXX while this bank has been ruining my credit ratings. Im interested to see what kind of wrong information and paperwork Ill receive next. You would think that a mortgage department of a bank would be able to keep and provide accurate records for their customers and not give them the run around and wrong information for applying for a medical hardship program. 
How do I find out if State Bank has been ripping me off with all the misleading and fraudulent business practices during this whole process of applying for their medical hardship program.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.
Consumer complaint received 2020-07-29
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. (AR)

I WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2024-06-19
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (MO)

I ordered XXXX {$500.00} Visa gift cards from vanillagift.com on XXXX XXXX. My order number is XXXX. I was supposed to receive my gift cards today ( XX/XX/year> ) via XXXX XXXX XXXX. I picked up the package from XXXX a couple of minutes after it was delivered to my porch. When I received the package today, I got an empty XXXX  package with only a receipt. All 9 gift cards were missing from the package. 

I called Vanilla Gift customer service, and they opened case XXXX, and I have submitted the requested documents. They told me it could take 30 business days before I get my replacement cards. I did not feel confident in the representative who created the case, and I am worried that someone has my cards, and the funds have been drained. It should also not take 30 business days to receive my replacement cards when this should be a simple reissue and re-mail of the cards.
Consumer complaint received 2023-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (TX)

I received services from a XXXX XXXX in XX/XX/XXXX. We reached an agreement on XX/XX/XXXX to pay {$950.00} to satisfy the debt. XX/XX/XXXX the debt was paid. In XX/XX/XXXX, I received a collection notice from First Collection Services saying I owed the debt. I reached back out to the company on XX/XX/XXXX, XXXX billing, and confirmed with the company the debt had been settled and the balance is {$0.00}. They sent me a receipt/invoice showing the debt had been paid and that the collection agency would be notified. I spoke with First Collection Service. I had called and spoke with the company several times regarding the debt being paid, who i spoke with, and that the original debtor would be reaching out. I was told by XXXX that it did not matter what the receipt said that the debt was still owed and she would send me the invoices. XX/XX/XXXX they mailed to me letters stating the debt was owed even though I sent them all the information and the original debtor stated they would reach out to their agency. I have this information in emails if needed. I am asking for assistance on helping resolve this issue or guidance or communication from the collection agency as to why I have presented receipts showing the debt is paid, gave them the information of who I spoke with, and that the agency would reach out to them. The collection agency is First Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Again, I am happy to provide all correspondence I have in emails with the collection agency and the original debtor including the notification the debt was paid in XXXX of XXXX. Note that is XXXX XXXX XXXX XXXX almost a year ago. I have also reached back out to the original creditor again for assistance. Let me know if you need all the correspondence from emails, receipts showing paid, an itemized statement from the original debtor showing the account paid and the correspondence from the collection agency continuing to state the debt is owed.
Consumer complaint received 2023-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit reporting Act XXXX  Account # XXXX, XXXX XXXXXXXX, Capital One and XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 states " I have a right to privacy ''.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX  has a credit card through synchrony bank. They run promotions like receiving money back on purchases. Synchrony is attempting to ignore the promotion. I've been messaging them about this since XX/XX/2022 and they keep claiming that my inquiry has been escalated and that it will take X amount of business days to get a response. They never respond and keep stalling.
Consumer complaint received 2022-12-21
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: NAVY FEDERAL CREDIT UNION (MI)

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad.

NAVY FEDERAL - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I inadvertently over-paid XXXX of my XXXX Parent Plus loans with Mohela. I say inadvertent because the company never notified me about the fact that I was running into an overpayment situation which would end up leaving this loan with a credit balance. 

I placed several phone calls to the company about what could be done with this credit balance, and received a range of answers from ; " I'm not sure '' to " it might be handled like this ... ... a check issued by Dept. of Ed. -- -refund to the bank account you've been making payments from -- -the credit will be applied to another loan. '' Too many misleading answers to a simple question from customer service representatives who don't know what they're talking about ... ... ... .extremely frustrating! 

When I finally figured out a course of action, I made a formal request to the company to apply the credit balance to another outstanding loan on XX/XX/year> via fax. On XX/XX/year> they said the request would be put into motion and that the transaction would take XXXX to XXXX business days to process. 

Well, here it is XXXX business days later and the transaction still has not happened! Meanwhile my accounts continue to accrue interest. They should be paying me interest on the credit balance that they're not moving. 

In summary, Mohela 's customer service is severely inept! The Department of Education should find another loan servicer that can handle their business in a prompt and professional manner.
Consumer complaint received 2023-08-03
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. (NC)

I submitted multiple dispute letters on XX/XX/23 and XX/XX/23 to credit first and the credit bureaus regarding inaccurate late payments on my credit first account. The late payments are still on my credit. This account is also reporting inaccurate last payment dates on my credit report which are violations of 15 USC 1681eb that demands all accounts must be accurately reporting at all times. I have attached proof of my letters from XX/XX/23 that I sent out certified mail.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the accounts. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please update and correct the accounts below : XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have three accounts under collection that is showing up in different credit Bureaus. I have tried to reach out to the company who has hold of these collection accounts by sending 3 rounds of letters to the credit Bureaus, XXXX, XXXX and XXXX to ask the company for debt verification and the original contracts to proof validation of these collections accounts but they have failed to provide the requested documents at all three times. there is miss-reporting of these accounts. Three accounts shows only in XXXX and XXXX but not being reported to XXXX.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NY)

Good Morning The law firm of Pressler , Felt & Warshaw garnished {$8000.00} from my savings account without notification ; i have not received any notice from them regarding a lawsuit or any legal action that would be taken against me.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

Two part issue, back when covid happened I missed one payment. I and XXXX tried to resolve the problem through their company they would not speak to anyone. I tried again to get it resolved and they lied and told Texas Payment assistance I was not delinquent, so I decided to sell my home. When the title company contacted them about payoff they didnt want to give them a amount.Instead of giving them the correct amount they gave them an amount for the loan I had with them and a old loan that was forgiven and they waited until they got the payment and then reported to all 3 bureaus I was delinquent and claiming Im not making payments and I have a XXXX late payment and a balance of XXXX I sent the CD from the title company to the bureaus and they said they had to go with what Homeloanserv/Idaho Housing Finance report to them.Act # XXXXThe house was sold and paid off on XX/XX/23. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX made this fraudulent report to the credit bureaus on XX/XX/23.