davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION (LA)

I was placed on an forbearance from my mortgage company Standard Mortgage for XXXX  months beginning XX/XX/XXXX to XX/XX/XXXX with a timeline of 90 days. I was told by my counselor that after the 90 days those missed payments would have to be paid in full. So at that time my husband was out work, so I needed to request for a second forbearance. After speaking to my counselor to extend the time he did so. On XX/XX/XXXX I received an email from my counselor that my forbearance had expired and payments needed to be resumed. No one ever explained how the forbearance works or never insisted that I could make payment arrangements to get caught up. Instead I was sent to my house a letter from Standard Mortgage certified mail that my home would be in foreclosure by the end of XX/XX/2021 if forbearance months which was XXXX months payments was not paid. Therefore I had to move fast and withdraw from my XXXX so that I would not loose my home! Standard Mortgage of XXXX XXXX is one the worst mortgage companies l have encountered and heard of during this pandemic not only now but previous account status has not been been actuate for instant my amortization schedule that is not on schedule today!
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax Information Services, LLC failed to properly investigate a dispute I submitted. on or about XX/XX/2019, I submitted a dispute for the reinvestigation of a public record listed on my consumer credit file. On or about XX/XX/2019, Equifax purports to have completed the investigation and verified the information. The listed XXXX as the information furnisher that verified the information. However that is impossible as I have a security freeze placed on my XXXX XXXX consumer file. I contacted Equifax to verify this information on at least 2 occasions and was told that the information had been verified with XXXX. I then followed up with a call to XXXX XXXX who verified that there had NOT been ANY access to my consumer report by anyone, including Equifax.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Consumer complaint received 2021-12-20
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. (IL)

THIS PROCESS HAS CAUSED ME EXTREME XXXX IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, XXXX NOR EXPERIAN WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX  XXXX - {$0.00} XXXX XXXXXXXX - {$440.00} XXXX XXXXXXXX - {$650.00} XXXX  XXXX - {$250.00} XXXX XXXX XXXX - {$680.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (CA)

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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS PROCESS HAS CAUSED ME EXTREME XXXX  IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX  XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXXXXXX - {$650.00} XXXX XXXXXXXX - {$250.00} XXXX XXXX XXXX - {$680.00}
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in NYS. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the management company and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

Experian has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and XXXX still have the accounts on my files as well but they have not increased my credit usage like Experian did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Consumer complaint received 2019-12-13
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. (GA)

I cannot get any assistance from Equifax..I tried to get a copy of my file they want send it, I have sent written request with copy of driver's license,called per phone, ordered on phone, 8 an totally ignored. In the mean time erroneous reports on my file ,people are checking my file without my permission and my credit has dropped so low I can not qualify for a home and I am XXXX. I worked as an XXXX XXXX  of a company before I retired because of a health scare, with  a XXXX XXXX dollar income yearly, so I know how to handle my income and budget but when someone refuses to assist you that unacceptable, also when I file a complaint they accept someone on the phone who says yeah it's owed with no proof of that debt.    I am requesting you assistance to make this company to assist me as they should be...like I said I can't buy a car, get housing and I am a XXXX   year old XXXX XXXX who doesn't deserve this after all the people I helped in my lifetime!!! Is there any decentcy left?Respectfully,XXXX XXXX
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

I tried to send money for the first time to XXXX using debit card to debit card as they advertise. They said it would take max a week and after 15 days I contacted them to see what was going on and they said that the money is in process. I requested a refund and now they are not helping me anymore and they have my {$1500.00} plus the fee. 

Please help
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NV)

I switched Home Insurance Companies at the renewal period last month going from a XXXX   annual amount to XXXX and Stearns sent out the payment. I got my annual Escrow Statement and for some reason it's stating that my Escrow account is short/negative for next years payments. I look at the details and it shows the XXXX deduction twice giving me a negative balance. Then they adjusted my payments for next year from XXXX to XXXX to compensate for the shortage. I called yesterday XXXX and spoke to a rep who I had to explain numerous times how to calculate that the math is not adding up. She advised me that the payment was sent twice but only deducted from my escrow balance once. This is not true and you can clearly see that statement is not accurate on the document provided. After putting me on hold several times and an hour later, she advised me that my balance had been recalculated and that it is currently at positive XXXX which is an accurate calculation based on my math. However, my payments are still to be XXXX for next year... this would cause me to pay a large amount back into escrow causing for a large known overage to be reimbursed next year. This is not okay and since they have adjusted the escrow balance the payment should not still be reflecting the previously advised amount based on escrow shortage.
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have been unemployed since XXXX. Navient called me everyday and sometimes three times a day to collect. They kept giving me forbearance and reporting my loan delinquent. This occured between aprox. XXXX thru XXXX. I now have income driven repayment. I did not even know about this nor did they ever offer it as an option till XXXX. 
My credit is now ruined because of this.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-14
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. (NC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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.You took a look at my consumer report and saw a negative account that is being furnished by your company. I am hereby formally disputing this alleged debt in its entire amount. I am requesting validation of the debt Pursuant to the Fair Debt Collection Practices Act I am demanding them to provide me the following documentation 1. The amount of the debt 2. The name and address of the original creditor 3. Send meproof of a statement of you notifying me that you would assume the debt to be valid 4. I was never notified within the 30 days so I am starting my 30-day period now and I am making it clear that I am disputing this alleged debt 5. Please provide me with the name and address of the original creditor Once this debt is in dispute your company shall cease from collection
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (NY)

A few weeks a go, a friend of mine went into victory XXXX located in the XXXX, NY to purchase a car @ XXXX. He needed a co-signer for the car in which he was told that the car will cost him {$530.00} per month. And he will pay biweekly for XXXX mths and then his co-signer would drop off. I agreed to co-sign. XXXX hours later they came back with a paper for both of us to sign. They took us in the darkest room, and we asked about the lighting and they said we are packed tonight. So they they asked us to sign. My friend XXXX XXXX asked why is my co-signer signing first and they replied this is how it goes now, everything is good. We asked for a copy of the contract and they replied you have to come back for that when the bank is open. XXXX was given the vehicle XXXX hours later. We we back days later asked for the contract and they didnt have it. XXXX noticed that the vehicle had some issues tired, dent, wipers, and some other things he went back to have repaired and they still refused the contract. One to Two weeks later I received several letters from credit acceptance stating that I am a owner of a vehicle. I quickly called and conversed with the representative at credit acceptance and explained to them the scenario. They advised me to take the car back and we did. Custody refused to take the car back. They said credit acceptance was closed. I called credit acceptance and kept them on the phone did ring the whole entire visit to victory XXXX. Please refer to the recorded phone call. The representative asked the guy who was portraying to be the manger to give his name and he have a faulty name. He continued to change his name during the whole entire visit. He said that they were not allowed to give XXXX a contract, they couldnt provide him one because it was a paper file, they didnt use computers, they didnt have a return policy, they did not have a return policy posted, they refused to give me a copy of a return policy, they refused to let me speak to anyone with authority, and they threaten to have me put out if I didnt leave. And they said the bank put me first on the loan not them. They said the bank told them not to take the vehicle back. They also said the bank made all the mistake and decisions. I am asking you to void the contract. I am not employed. XXXX can not afford the bill. They lied to him about the payment amount. They placed a vehicle that I do not have chess too in my name, which is perjury. They refused his a contract.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

During the course of the lease in question, I, the customer, consistently paid on my account early and in excess of the minimum amount due. When the lease had ended, I returned the vehicle in pristine condition. GM Financial had agreed, but had charged $XXXX in over-mileage charges, with the final payment due on XX/XX/2019. I am not disputing this charge, I want to pay it. GM Financial offered only ONE method of payment for their final bill, via check and using a slip attached to the final bill. On XX/XX/2019, a payment for $XXXX in the form of check (from my account, check #XXXX) along with the final bill slip was sent via USPS to the address provided by GM Financial: XXXX. XXXX XXXX, XXXX, AZ XXXX as instructed by the final bill sent by GM Financial.I have not heard from GM Financial directly since. However, GM Financial, without indication, warning, or otherwise, reported to XXXX  a serious delinquency on my account. The only way I found out about this was through a credit monitoring service. GM Financial lost my check. GM Financial did not send any additional notices. A dispute from XXXX  confirmed what was stated in my initial paragraph: I, the customer, consistently paid on my account early and in excess of the minimum amount due. However, the end result of the dispute was inconclusive. When reaching out to GM Financial to see what the problem was, they simply refused to help or even look into the matter further. The date, time, and person I spoke to from GM Financial was recorded for reference.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$260.00}