davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (GA)

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received a call, notice, or letter about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I was discharge in XXXX  XXXX In XX/XX/XXXX I was trying to clean up my credit I dispute some items that were on my credit report After the dispute was finished, my report said Charged off as bad debt Profit and loss write-off, it said bankruptcy before the dispute I lost XXXX points because I disputed something I called Transunion, spoke to a rep They told me to call the reporting company I called XXXXXXXX XXXX XXXXXXXX explain to them I was discharge in XXXX XXXX and they were listed in it I had my attorney to call them I at the end of XX/XX/XXXX I send written notice to all three credit reporting agencies with disputes XXXX and XXXX removed XXXX, but not Transunion Today XX/XX/XXXX I received another notice that I missed a payment The credit report is still showing Charged off as bad debt Profit and loss write-off A total of XXXX point were taken off my credit report over misinformation by Transunion
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (MS)

I have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

A few years ago our account manager for XXXX XXXX  messed up our property tax through escrow. When we refinanced in 2020 they messed up the escrow adjustment again. Last year they started estimating our taxes at XXXX per year instead of XXXX and started charging XXXX per month for the escrow acct. I've called them several times to have this readjusted and keep getting told there is nothing they can do until XXXX XXXX releases our second installment bill which may be months from now. My escrow acct has XXXX in it and they're still having me pay XXXX a month into it
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquires on my credit report that i have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how theses things are being tied to my name but i have nothing to do with this for example BAG BORROW OR STEAL IN Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  Travel/Entertainment XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (TX)

Had an XXXX credit card which was recently bought out by ALLY, noticed the payments went from {$210.00} due a month XXXX for XXXX based on balance of {$5700.00} at XXXX XXXX with interest fee of {$1500.00}. 
THEN, in XXXX when ALLY sent a bill with {$310.00} due for month based on balance of {$8400.00} with interest fee of {$220.00} and balance on bill shows {$5700.00}? That is {$2600.00} over balance? When I called she said " it's was due to transfer but he would send to credit office to report back. First of all I never wanted an Ally credit card. Now I feel like they are doing something totally unethical. How do I transfer my balance to another credit card?
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I mailed Equifax all required documents regarding fraudulent hard inquiry on XX/XX/21. They said they received them on XX/XX/21. However they did not scan in all documents I sent and said the file was incomplete. I then filed a complaint with the XXXX on XX/XX/21 and faxed them a copy of the report along with my drivers license. Today I called and they told me they did not receive the fax. I have a fax transmission receipt showing it was delivered and received. They asked me to resend the documents through fax, however this will delay the fraudulent inquiries from being removed. I demand these fraudulent items be removed from my credit report immediately.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (LA)

On XX/XX/XXXX I received a debt collection notice from Phoenix Financial Services for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my XXXX XXXX  and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my XXXX XXXX / personal XXXX information.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.
Consumer complaint received 2021-07-31
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 just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}
Consumer complaint received 2021-05-13
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)

There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date XXXX XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX 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 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

IN SUMMARY : A STOP PAYMENT ON A REFINANCE CHECK WAS INITIATED DUE TO DIVORCE AND NONE OF THE LENDERS WHO HAVE HELD MY ACCOUNT CAN SHOW THAT A CHECK WAS EVER REISSUED YET I'VE BEEN PAYING A LOAN SET UP TO REPAY THE ADDITIONAL XXXX BORROWED WHEN REFINANCED. DITECH SAYS THEY SHOW CHECK WAS STOPPED, BUT NEVER REISSUED. 
LONG VERSION : BOUGHT HOUSE ON MY OWN IN XXXX. MARRIED AN HABITUAL CON-ARTIST IN XXXX. EARLY XXXX HE CONSTRUCTED THESE LIES THAT THE HEAT AND AIR WAS OUT AND NEEDED TO BE REPLACED ; HE HAD A BUDDY IN HEAT AND AIR WHO COULD REPLACE IT ; HE HAD TALKED TO DITECH WHO HELD MY ( MINE ALONE ) MORTGAGE AND DITECH SAID ( WHICH WAS NOT TRUE ) THAT THEY COULD NOT WORK WITH ME ALONE AS MY INCOME HAD DROPPED. EX HUSBAND GOT HIS NAME ON THE MORTGAGE, ( HE WAS A XXXX XXXX EMPLOYEE ) INTERCEPTED MY RECEIPT OF THE REFINANCE CHECK WHEN IT CAME THRU XXXX BRANCH ; SIGNED HIS NAME TO IT AS WELL AS MY NAME ; DEPOSITED IT INTO XXXX XXXX XXXX PERSONAL ACCT AND REFUSED ME ACCESS TO THE FUNDS. I IMMEDIATELY HAD A STOP PAYMENT ISSUED AND FILED FOR DIVORCE. HE SIGNED AND I FILED A QUIT CLAIM DEED. NONE OF THESE LENDERS CAN SHOW ME ANYTHING BUT A STOP PAYMENT ON THIS ONE CHECK ISSUED. NO REISSUE ; HOWEVER, I'VE BEEN PAYING ON A LOAN THAT INCLUDED XXXX I NEVER GOT.
Consumer complaint received 2021-05-12
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: Nelnet, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNTXXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I acquired a mortgage in XX/XX/2021 which was immediately sold to Amerihome Mortgage company. I sent a payment for the first payment on XX/XX/XXXX through XXXX XXXX online banking. XXXX XXXX shows the electronic transfer and has submitted proof of payment to Amerihome. Amerihome still will not credit my account with the three payments made to date as of XX/XX/2021, Instead they show only XXXX of the three payments. I am sure we can get this worked out if we can ever get Amerihome on the phone .... but the customer service with this company is the absolute worst I have ever seen.
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Its about my car loan. I have a letter from credit acceptance that this car XXXX XXXX XXXX was paid in full by XXXX XXXX. My car was in 2 accidents. 
Contract pay off account # XXXX 2019 XXXX XXXX From paid accounts processing department.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 62 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-05-12
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. (PA)

I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX, Trans Union or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NV)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Nevada XXXX XXXX XXXX ) XXXX XX/XX/2023 Dear EXPERIAN, I, XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$3600.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$6200.00} Party Owed : XXXX XXXX XXXX Amount : {$520.00} Party Owed : XXXX XXXX Amount : {$440.00} Party Owed : XXXX XXXX XXXX Amount : {$690.00} Party Owed : XXXXXXXX XXXX Amount : {$67000.00} Party Owed : XXXX XXXX XXXX Amount : {$640.00} Party Owed : XXXX Amount XXXX {$2200.00} Party Owed : XXXX Amount : {$1100.00} Party Owed : XXXX XXXX XXXX Amount : {$14000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS DERAGATORY AND I AM REQUESTING FOR IT TO BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( s ) to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-02
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. (IL)

I sent a letter on XX/XX/22 to Equifax to remove the erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

I have been trying to work with my lender for several months now and every week they continue to ask me the same questions over and over again. Today, my counselor XXXX XXXX who is helping us through this difficult time spoke to a supposed supervisor by the name of XXXX who just wasted more time. XXXX was advised that for weeks now we have advised SPS that I ( XXXX ) started working on XX/XX/2021 and my wife never stopped working. On their XXXX there was two sections where you advise what is the start date of employment. I don't understand how inept their underwriters are in getting my review completed. I am losing my home because these people don't care and are poorly handling my request for help! For over 30 days now we keep going back and forth on my income, this is ridiculous of them.