davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-22
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. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (CA)

I attempted to call this company to file a complaint since the debt appeared on my credit report but I do not recognize the loan. When trying to file a dispute the company stated they did not find any fraud, however I told them I did not recognize their company name nor did I live in the state in which the loan was taken out ( XXXX  ) and told them as such but they claimed there was nothing they could do. I tried contacting the credit bureau stating the report, XXXX, but they claimed no fraud was detected on their end.
Consumer complaint received 2017-07-18
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. (AL)

I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2020 Credit Limit : {$400.00}
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (DE)

I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integrated Mediation Solutions LLC (AL)

I was contacted at work and my cell phone by XXXX XXXX XXXX about a debt I supposedly owed. After contacting them back, I proceeded to try to figure out what company they were representing. I did not receive anything in the mail or in writing 5 days before contact explaining the validity of the debt. According to the fair debt act, the collector is suppose to sent a letter in the mail so I can research and respond to make sure the debt is valid. I requested a letter be mailed to me and the person stated that they could not do that. That is in violation of my rights. They continued to harass me and threatened to sue me. Even though they are not following proper protocol.
Consumer complaint received 2021-05-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (CT)

The Huntington Mortgage company, XXXX XXXX XXXX XXXX XXXX. XXXX Has put lean on my house for the amount of {$140000.00} on XXXX XXXX. 
I have no idea as to why and reason? We have not received any amount of money from them. We have not received any statement or any bill from them what so ever. We tried to refinance our house and find out about this lean.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I filed a dispute with Citigroup banking regarding several transactions made on my account through XXXX that I had not authorized. Citibank immediately closed out my account which then prohibited any refunds that would be made from XXXX. For several months I've gone back and forth between XXXX and Citibank about the XXXX transactions to retrieve funds illegally taken from my account. Citibank informed me that they have closed out my dispute and did not side with me in regard to the transactions. I asked Citigroup for evidence of the investigation. months later I received a letter in the mail of login screenshots that were not legible to read. after calling them to ask for a better explanation I was told the transaction was outside of their timeframe for a refund. I then asked if the case could be escalated and if I could appeal reasoning or if they could point me in the right direction of where the timeframe policy could be located online. The agent then informed me to call a bank and they could further assist me. After searching for several hours through consumer manuals, disclosures, and regulations I could not find this stated anywhere in the illegal transaction timeframe policy. I then called a branch location on XX/XX/23 and the representative to was unable to assist me with finding this policy. Banks are misinforming customers of knowledge that do not exist. I am filing a complaint in hopes of further assistance with my case.
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo sent me a letter stating that they had miscalculated my student loan payment by using a loan end date that was earlier than it should have been. They " assured '' me that the error was corrected and that my monthly payment was reduced, but they provided me with zero details relating to any of this. They did not tell me how long the payments had been miscalculated for, how much I overpaid, or what my new payment would be. More importantly, they recalculated my payments based on the corrected loan end date, but did so based on the existing balance. This recalculated balance should have been calculated based on the current balance MINUS my overpayment. As we know, payments in excess of your minimum monthly payment reduce your principle dollar for dollar, and this should have been factored into my new payment ... but it was n't. For example, if I should have been paying {$50.00} a month but i was paying {$100.00} a month due to the miscalculated payments, then my principle should have been decreasing by {$50.00} per month for the duration of the miscalculated payment. I am appalled that a financial services organization could either over look this, or try to put it past me. If this is not going to be taken into account, then I would expect this money to be credited to me, plus the average interest rate for that time period, as I could and should have been able to invest that money that I did not NEED to pay that entire time. I need to understand why this was n't done and have the appropriate adjustments made  ASAP.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-05-18
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: Global Lending Services LLC (IL)

Global Lending Servi Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I found out that there was a withdrawal of {$2000.00} from one my Bank of America account that wasnt approved by me either my girlfriend. I quickly called the bank to ask hows that money came out of my account they werent able to tell me if it was a check or depit card withdrawal. They decided to file a check claim fraud. On XX/XX/XXXX the funded my account with a {$2000.00} temporary credit. And on XX/XX/XXXX they decided to get {$2000.00} back from my account stating that I approved the {$2000.00} check fraud to be withdrawn from my bank account. Thats not true, they cant even provide me any details about the claim process. Please help me!
Consumer complaint received 2023-05-22
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. (IL)

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 2023-05-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (SC)

SN Servicing Corporation purchased my loan located at XXXX XXXX XXXX XXXX CA XXXX Back on XX/XX/2019 I received notice of foreclosure by mail and then my attorney was alerted. Once appearing in court with counsel it was proven Service Corporation had not logged all payments that are sent by my bank monthly. The payments had to be traced and later applied to my account. that were missing from my mortgage account. Once showing proof of payment to the judge and sharing hardships revamping from the bankruptcy the case was dismissed. After dismissal I noticed an attorney fee of {$1200.00} and legal expense recovery of XXXX on my billing statement. Due to Service Corporation negligence that would make me as the consumer not responsible for those additional fees and I request those fees be removed from my account. Moving forward I have attempted several times to make contact with my account manager XXXX XXXX and she does not respond to emails, calls, or customer rep messages. To make matters worse the amounts are appearing as amount due under the mortgage which appears I carry over a mortgage balance every month. I also have bought to Service Corporation attention that I have been getting late fees for years and I pay on time monthly before the XXXX of every month. I am owed a refund however when trying to address the issue I get no response by phone, email, or mail. My due date is the XXXX of every month and adjusts automatically through my bank if the payment falls on a holiday. I have paid my mortgage by autopay for many years to keep account of all bills paid. At this time, I see a XXXX late fees in which I am never late. For the last few months I've received interest increases that are unexplained due to the terms of my original loan. This is a predatory act and I would like assistance with resolution. Thanks in advance.
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Reference Number : XXXX Dear Source Receivables Management, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2023 and identified the debt as XXXX collection. 

I do not have any responsibility for the debt youre trying to collect. I have returned all the devices to XXXX per their agreement and provided pictures of the tracking numbers and packages that included all four phones ( 2 phones per box ). 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

On or about XX/XX/2023, Midland Credit Management ( MCM ) sent a letter, stating I owe them {$4300.00}. MCM Account Number # XXXX. I sent them a debt validation letter disputing the debt asking for I've never did business with this Midland Credit Management. I do not nor have I ever had a contract with Midland Credit Management. I never consented to them having my personal identifiable information, it seems they have acquired my personal information without consent. Where did they get the consent from and what authority do they have to obtain my personal information without my consent. It appears they have committed Identity Theft. I sent them a debt validation letter disputing the debt, as I am not familiar with them and how they got their hands on my personal information.
Consumer complaint received 2017-07-18
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. (AL)

I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . Thank you.
Consumer complaint received 2023-05-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX. Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency that I don't have a contract with I was threatened by XXXX XXXX with the Compliance dept at CREDIT ACCEPTANCE CORPORATION that she would update my credit report to say that a closed account is Open to try to collect a closed debt. I also advised that I would complain to the XXXX  and was told by her that it would get compiled with this complaint to deter me.
Consumer complaint received 2022-11-23
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (VA)

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.