davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (TX)

I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2021. i, the consumer sent a letter in respone regarding innaccurate and unknown things on my credit report.To this day over 39 days later. I have not recieved a response yet. I feel as a federally protected consumer I am being taken advantage of and being ignored of dispute and rights. Section 611 ( a ), It is plainly stated that a failure to invesitgate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 39 days. So, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the enormous amount of stress you are causing me.
Consumer complaint received 2023-06-02
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. (FL)

There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal account.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

We requested forbearance on our property in XXXX of XXXX. In XXXX of XXXX, we completed the online form ( per mortgage servicer 's request ), to remove the forbearance and do a loan modification on the file. We were told to expect documents to sign off on within 30-45 days. Since then, we have called in at least 30-40 times ( 2-4 times per week ). We've requested an escalation of our file a half dozen times. We have spoken to dozens of supervisors, " customer allies '', etc trying to get them to move on this file, and we still have not made any progress. We are beyond upset and frustrated. The company keeps telling us that the file is in underwriting or with the attorney 's office. Sometimes they say the documents are being XXXX  XXXX to us, and other times they say that the file has been escalated internally. It's been 7 months. They finally told us our documents were ready, and we'd get an email within 48 hours with them. It took 3 more calls and 8 days later before we received those documents ... that were dated for XX/XX/XXXX with a submission deadline of XX/XX/XXXX. We received these documents on XX/XX/XXXX. This is unacceptable! We don't know where to turn for help, but this company is holding this house hostage! We can not sell it. We can't refinance. We can't buy a new home. We are trapped under this pile of incompetent bureaucracy and need SOMEONE to PLEASE help us and do something about this.
Consumer complaint received 2021-05-14
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: Phoenix Financial Services LLC (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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 — Investigation took more than 30 days
Company: RMS-Recovery Management Services, Inc. (GA)

I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. XXXX are details of alleged collection item for review. 

creditor : RMS-RECOVERY MANAGEMEN ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
Consumer complaint received 2022-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (TX)

I was sent advertisements and offers for loans through this company via email. I guess because I have done other pay day loans I ended up on their mailing list. In a moment of desperation to pay rent, I applied and was approved for {$3700.00} and was told that my payments would be > {$99.00} a month. Well, I have no idea what the interest rate is because they are very confusing and shady about the whole contract. They weren't clear with the terms and so far I have paid over a thousand dollars and only {$200.00} of it has went to the principal. How is this not usury? It should be criminal to charge people this amount of interest. Please help me negotiate something with them. They won't do anything over the phone and no one seems to care when I call that I can't keep this up.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

Santander consumer USA for XXXX XXXX XXXX XXXX I had 3 years ago I no longer have and they still charging me I been gave back the cart and signed paper XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Report Number
Consumer complaint received 2023-02-04
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. (MI)

I have a fraudulent account that keep getting verified I contacted XXXX XXXX myself and they told me that the account was removed not made a change off. I have a delete letter from them in which I have attached the letter below with FTC report and police report. 

This account is showing on my experian & XXXX credit report. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2021 {$100.00}
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (GA)

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-14
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: EQUIFAX, INC. (NJ)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I .C. System states on my XXXX  report that I owe {$330.00}, but when I disputed the pet insurance XXXX XXXX XXXX XXXX XXXX debt collection report through XXXX XXXX, it was immediately removed. I contacted the company directly about removing it since it was removed on XXXX XXXX. I explained with deep concern how much COVID-19 has affected my life, how I do not have the finances to pay it off, and there was no compassion from the woman on the phone. She said she will forward my request and I never heard a follow-up about it. I want this removed on my XXXX  account.
Consumer complaint received 2022-11-02
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. (TX)

I applied for XXXX XXXX with XXXX XXXX one time and was approved one time on XX/XX/2022. When I reviewed my Transunion report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted XXXX XXXX on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted Transunion on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from XXXX XXXX  stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from XXXX XXXX even though I explained to Transunion that XXXX XXXX is refusing to resolve the matter.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

The CitiBank fraudulently kept charging my accoount monthy service bogus charge fees that has never been disclosed to me upon opening my account in person at the branch. Few times I asked the branch assistant manager about possible recurring account monthly charges every month, she stated ''NO '', moreover she rest assured me about free of charge type of the account the way it was set up. The bank deceived and defrauded me by committing evident consumer fraud. I am surprised on most of banks and creditors predatory practices that are literally operating out of control.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely XXXX information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Our original Mortgage loan was with XXXX  XXXX - loan was XX/XX/XXXX - We had gotten extensions on Mortgage through out loan - Sold to Select Portfolio Servicing in XX/XX/XXXX. We have made all payments on time other than 1 late payment. Original loan maturity is XX/XX/XXXX. We were under the understanding that payments would continue due to extensions that were granted by XXXX XXXX. One until we received notice from SPS Servicing that anything owed would be due on XX/XX/XXXX. I started application for assistance In XX/XX/XXXX. Each time they needed additional information - which I submitted - ( 1 ) unemployment letter - explanations along with bank statements showing continuation of unemployment payments to date - Payroll stubs - retirement and ssi letters of income. Letters continuing until XX/XX/XXXX when they accepted the application - received letter of denial for home retention loss mitigation of XX/XX/XXXX - account did not meet eligibility requirements because we were not late on mortgage payments although {$9000.00} is due in complete payment on XX/XX/XXXX. They will not accept any partial payments after that date it must be paid in full. No help with this company due to pandemic situations.
Consumer complaint received 2021-05-14
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: Resurgent Capital Services L.P. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NY)

My nature of dispute is that this company placed a medical debt collection on my credit report without proper notice. I reach out to this collection agency, spoke with XXXX XXXX ( Unit Manager ) who was not helpful and very rude. I request this medical debt be removed off my credit report and I will resolve the matter with XXXX XXXX XXXX. XXXX XXXX stated that they did send a letter and called my cellphone, which the letter was sent to an old address and this agency did not leave a message because they stated they are a debt collection. This medical debt is for a person who is covered under New York XXXX XXXX since 2010. Sequium Asset did not follow the Fair Debt Collection Practices Act. Sequium Asset fail to inform me of the debt in writing and notify me of my right to dispute this debt within 30 days. They are illegally placing medical debts and refusing to remove them. The are not properly informing the consumer and they are refusing to remove the debt until payment is receive. XXXX covers these services and this company refused for me to send a copy of proof of insurance.