davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (CO)

Repeated calls continue from this company, they are calling my relatives for being 3 days past due. Needs to stop. I have placed a complained before and they continue doing it. They call 5 - 7 calls per day on my phone and wife 's phone. I am making my payment each month, not on time however, never past 30 days, I asked for help before they did not do what they say they would. They just want to make sure they numbers look good that's all.
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$200.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Consumer complaint received 2020-08-06
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX
Consumer complaint received 2020-08-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/2020, I was awoken to my XXXX and email being hacked. Hours later my Robinhood account was hacked. I noticed approximately 30 minutes afterwards that my stocks were being sold. After trying to log into my Robinhood account, I was unable to. I tried resetting the password without any prevails. I contacted Robinhood and am waiting for a response. 

I had around {$1200.00} in the account as of yesterday ( XX/XX/2020 ).
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I call American Express today approximately around XXXX and Spoke to a person name XXXX XXXX I ask him its still on the online website that a payment is due for the XX/XX/XXXX and why hasnt it been suspended until they do a forensic investigation as they had told me a couple of times they would do. The payment that is due includes a large portion of the pay overtime or pay overtime direct interest and fees charges, that Im also disputing which American Express combined the pay overtime and pay overtime direct as one balance making it being charged double, because the pay overtime balances and regular charges was paid off in full on XX/XX/XXXX by my credit union but some how a pay overtime balance of almost {$6000.00} was applied back to my bill on XX/XX/XXXX and all of those fees and interest charges kept accruing on my monthly bill as interest. They are harassing me about making a payment on XXXX XXXX which is tomorrow this is why they are refusing to dispute and refusing for me to put in a dispute concerning these pay overtime direct balances fees and interest charges which of most of the payment is due consist mostly of those disputed fees and interest charges. Therefore they are harassing me to make a payment even texting me a notice that the minimum payment is due. I understand when ever there is a dispute against charges or the bill you not supposed to ask for a payment or report a late payment to the credit bureau, which both situations American Express did.I have no problems making payments as they can see in my History of being a loyal customer for over 24 years, and this is how I get treated so unfairly. I spoke with a person name XXXX on XXXX XXXX around XXXX he assured me that why they did the investigation I will not be responsible for the {$24000.00} or the amount due of {$2400.00} because it includes pay overtime direct balances of fees and interest. And for some reason he ask me to send documents showing that the entire balance was paid off in full which included pay overtime balances to customer care services XXXX  XXXX XXXX XXXX TX XXXX. And ask me put down this claim number XXXX when I mail in the documents and to make sure and be specific with that claim number, In which I have sent documents twice to them and why would customer care services want to to look at the documents again because, they know they made and error in double charges me or maybe it is fraud because I got letters from the fraud operation and before I could respond back to the letters they closed out the dispute before I could respond. I never got calls from them as stated in the letters. Attached are 2 letters from American Express Fraud Operation each time before I can respond they closed out the dispute, matter of fact when I got the letters in mail and called, the dispute was already closed.
Consumer complaint received 2020-08-06
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX   XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and Equifax. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, XXXX, and Equifax. I want XXXX XXXX XXXX XXXX, XXXX, and Equifax to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/, XXXX : XXXX
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-06
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. (OR)

This is such a simple fix. Experian is the only credit report that needs to be updated showing no lates. Makes no sense why XXXX XXXX changed the status almost a year later after it was corrected by XXXX XXXX. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if XXXX XXXX would like to avoid that? 

Thank you, XXXX XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I keep asking Comenity Bank to communicate with XXXX XXXX concerning an item I never received from XXXX XXXX. 
XXXX XXXX refuses to answer XXXX mails or the phone. 
Thre bank is trying to get XXXX fro me and I never received the jacket
Consumer complaint received 2022-11-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DebtEaze (PA)

A rep from a company called DebtEaze told me that the XXXX XXXX XXXX XXXX was on pause and suggested paying for my loans. They said that Id have to pay {$220.00} for XXXX  months and then {$120.00} for XXXX  months. They said that after this XXXX payment that any loans left will be forgiven ( paid off ). Along with the monthly loan payment theres a {$99.00} payment fee for filing the applications. I told them that I wanted to start payments on XX/XX/XXXX. At first I was told that I would be charged 1 application fee of {$99.00} on the XXXX but then looking at the agreement form it said I would be charged XXXX XXXX monthly for XXXX  months every XXXX. DebtEaze were able to get into my FSA. I thought the company was legit because I got an email saying my FSA password was changed. They asked me personal information on the phone ( debit card, ssn, etc. ). Im trying to get out of this before payments are made. After which I will pay my loans off myself.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC (IN)

A company called " Capital Link Management '' began texting me on XX/XX/XXXX from the number ( XXXX ) XXXX. The message reads : " [ NICKNAME & MAIDEN NAME ] your account has recently been sent to collections. Due to Covid-19, we understand that this is a difficult time and we are here to help. We have new options and programs to assist you in resolving this matter. Please call to take advantage of this offer XXXX. '' This sounded like scam. Since they were using a nickname and my maiden name that I do not use when doing any business and knowing that I always pay my bills on time, I thought nothing of it. 

I then received a similar text on XX/XX/XXXX. It read " [ NICKNAME & MAIDEN NAME ] This is a message in regards to a settlement offer on your account. We have some Options to help during these tough times. Please call us at XXXX. '' I then started received more texts referencing offers to settle debts with " XXXX XXXX XXXX XXXX. '' Sometimes two copies of the same message were sent on the same day. Since I hadn't done business with this company, I still ignored the messages as they seemed like a phishing scam. On XX/XX/XXXX I responded " Please stop texting me. STOP '' and then received an automatic reply from Capital Link Management that I had opted out of their texting service and will no longer receive messages. This was the first time their company name was mentioned. 
I started receiving daily calls from Capital Link Management at the beginning of XXXX from XXXX. They would leave messages saying various things like " We are trying to find the location of [ NICKNAME MAIDEN NAME ]. '' and " We are debt collector trying to collect a debt from you. '' I also received a strange voicemail from Capital Link Management saying my bank rejected a payment that I had scheduled with them ... which of course, I never did as I have been ignoring the calls. They also referenced the " XXXX XXXX XXXX XXXX '' company was negatively reporting on my credit report, which isn't true either. 

I blocked the number and are still receiving daily voicemails from this company. So in additional to harassment, I am being called about a debt that I do not owe.
Consumer complaint received 2020-08-06
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX
Consumer complaint received 2020-08-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}
Consumer complaint received 2020-08-06
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}
Consumer complaint received 2020-08-06
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: AMERICAN EXPRESS COMPANY (PA)

XXXX has reported my credit score as 1. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the XXXX app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different XXXX phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/2023 we send a payment of {$900.00} to Select Portfolio Servicing. We were currently in default at that time and SPS stated they would not take any payments other than cash. We call XXXX about the {$900.00} and the said the sent a paper check back to us on XX/XX/2023. We never received that check so we called again and SPS stated they would file an inquiry about the missing funds. The 3rd time we called we were informed the inquiry was never sent but they would send it again. The 4th time we called SPS informed us that our bank, XXXX XXXX, was holding the funds. We then proceeded to call XXXX XXXX and had a XXXX way conversation about the missing funds as XXXX had never received them. Upon calling XX/XX/2023 they filed yet another inquiry because nothing was in their records. 

We need this money to be applied to the XX/XX/2023 payment and they continue to drag their feet. 

We are asking that the {$900.00} be returned and we are asking for the XXXX tort amount for a total of {$2700.00}. We would also like our credit score scrubbed from this company as the hold payments, apply late charges and lower my credit score. This number was given to us by our lawyer.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

In XXXX when COVID hit, we asked for forbearance to get us through. They set us up in XX/XX/XXXX. We were required to call every quarter to continue to be on forbearance. We asked for forbearance for an entire year but continued to pay the escrow payments each month. Somehow, after a few months, we were incorrectly switched to deferral. I have called every month for over 2 years to get this fixed and they tell me it is being reviewed and will be corrected. I have resumed making the full mortgage payment every month after that one year of help, and they said the error will be corrected. Then they reported me to the credit bureau for XXXX and XXXX of XXXX in error!! That has since been corrected, but has affected my credit. Nobody ever calls me back, and my statements are a mess and I can't understand them. In addition, they have charged me some miscellaneous fees like 'property inspection fees ' etc. I really hope you can help me get this mortgage brought current. Thank you so much!