davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: LoanCare, LLC (NJ)

I am writing to bring to your attention the unresolved issue concerning the late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

LOANCARE LLC XXXX
Consumer complaint received 2023-11-10
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my name XXXX XXXX was scammed by an online company promising XXXX my money in a very short time, XXXX was the app that they used to collect my money, i invested {$14000.00} in this scam, the withdrawals were in XXXX XXXX XXXX all amounts are different {$500.00} {$1000.00} {$1500.00} i used my debit card and checking account for all of the withdrawals the person i delt with was XXXX XXXX the website was XXXX XXXX
Consumer complaint received 2023-10-04
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NC)

On XXXX XXXX I purchased furniture for XXXX. It was purchased at XXXX XXXX in XXXX Nc. I put down XXXX and XXXX was financed through American first finance who are saying that I still owe over XXXX after paying XXXX every XXXX weeks since XX/XX/XXXX. Ive made over XXXX dollars worth of payments and I put down the deposit. This is predatory lending and they say they dont charge interest. I did not sign the contract my daughter did because the sales person at the store was having problems with their system and the company emailed it to my daughter. These are not the terms outlined to me and I was told by American freight that I would pay the furniture off in a year. They can not give me any clear explanations as to what the secret charges are and Im very stressed and o. The verge of being homeless because they automatically take these payments and the cost of living is so bad
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, VA XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and HUNTER WARFIELD, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (OH)

In as few words as possible, Freedom Home Mortgage Company 's criteria on how to repay your loan, such as no ability to split payment to fit pay period, limits what a customer can do on their site as it relates to repayment, and it is structure, so you have to utilize you outside banking service to be able to split you payment to fit your pay period ; however, Freedom process your payment for you bank in a way the best fit their objective, in my case, my bank had authorized payment to Freedom Mortgage for my XXXX XXXX payment as it has always done since Freedom became my mortgage servicer in XXXX, the payment is set to auto draft and process each month at the same time however, Freedom does not handle the payment for them the same way each time, on XX/XX/XXXX freedom accept the first authorization dated XX/XX/XXXX, but does not process the authorization until XX/XX/XXXX, Upon processing the authorization another transaction is pending, Freedom payment is set to auto draft and has first position to be process, Freedom rejects and subquenctly resubmit the authorization to my bank, it is process a week later by Freedom and paid out. However this process freedom has now gained further interest by rejecting the first authorization and resubmitting, then turning around and ding my report as the there process carried over to the next period. However, the transaction was initiated on XX/XX/XXXX and shown as paid until XX/XX/XXXX, where it was paid against the resubmission, the date of which is past due. When XXXX this has happen in prior period with no report as late ; the different is timing, XXXX is a XXXX period were process is delay significantly due to the holiday season. Therefore the burden or process is rendered to me ; Freedom gets a late fee, interest, and their payment, I receive a negative mark for their back office event, the consumer has not control over the timing and back office if you accept the payment as XX/XX/XXXX, then reject and resubmitted it the same as the original transaction, I would like to bring to their attention then done this prior before by this is the first time they recorded a late, I spoke to customer service at Freedom twice, and the rep said the same thing, the other Rep could not make sense of it because you can see the back office event in the account history when leaving the question, one state your not late or state they did process it but not sure why they gave me a late as this was done like this in the prior period. I have no control over processing. Ultimately, the creditor receives the money ; it was their process, not mine. I was told by one rep it was because I use ACH, and the other said it was because I didn't use the Freedom website to make the payment, it is a lot of confusing that I had no control over
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NC)

II have XXXX different account with Marcus XXXX saving and XXXX CDs. 
I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX 
I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back. 
I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX 
I called back on Tuesday XXXX XXXX  : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.
Consumer complaint received 2023-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/2023 I received my mortgage statement and my XX/XX/2023 payment was not posted on the statement, even though SPS had received the payment. Therefore, the account info was wrong as well as the interest bearing principal. Nor did I receive the payment statement for XX/XX/2023.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This account is hurting me so bad. 
Ive sent dispute letters for over a year now and they are still reporting inaccurate information. no resolution, no response. 


XXXX XXXX  and XXXX 's inaccurate reporting of information has had a significant impact on my financial well-being and overall life. The inaccuracies in their reporting have led to several negative consequences : Credit Score Damage : One of the most immediate and damaging effects has been on my credit score. Inaccurate reporting, such as missed payments or delinquent accounts, has caused my credit score to plummet. This, in turn, has made it challenging to secure new credit or loans at favorable terms. It has also affected my ability to rent an apartment, obtain insurance, or even land certain job opportunities that require a credit check. 

Higher Interest Rates : Because of the lowered credit score resulting from XXXX XXXX  and XXXX 's inaccuracies, any new credit or loans I've managed to obtain often come with significantly higher interest rates. This has increased the cost of borrowing and made it more difficult to manage my finances effectively. 

Financial Stress : Dealing with the repercussions of inaccurate reporting has caused a great deal of stress and XXXX. It has led to countless hours spent on the phone with creditors, credit reporting agencies, and XXXX XXXX  and XXXX itself, trying to rectify the errors. The uncertainty and frustration surrounding these disputes have taken a toll on my mental and emotional well-being. 

Impacts on Financial Opportunities : The inaccuracies have also limited my financial opportunities. I may have missed out on favorable mortgage rates, credit card offers, or investment opportunities due to my tarnished credit history. This, in turn, affects my ability to achieve important financial goals and build wealth for the future. 

Legal and Regulatory Hassles : In some cases, I may have had to resort to legal action or involve regulatory authorities to address the inaccuracies. This adds an additional layer of stress and financial burden, as legal proceedings can be time-consuming and expensive. 

In summary, XXXX XXXX  and XXXX 'XXXX  inaccurate reporting of information has had a cascading negative impact on my financial life, including damage to my credit score, increased financial costs, heightened stress levels, missed financial opportunities, and potential legal and regulatory hassles. Resolving these inaccuracies and mitigating their effects has become a central concern in my efforts to regain financial stability and peace of mind.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I have a loan from XXXX XXXX ( Credit cards ) but I lost a job during the covid-19 pandemic. So having trouble paying my credit card with XXXX XXXX. So they give a charge off my balance. But this debt collector Midland Credit management a third party collector they start sending letters they to collect my debt that is already closed account. I want them to delete this Midland credit Management from my credit report