davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (OH)

To whom may concern I refinanced my house with new day USA XXXX XXXX XXXX. I set up auto pay in XXXX around XXXX  my first payment was due XX/XX/XXXX so on XX/XX/XXXX I noticed nothing came out of my account so I called. XXXX claimed my autopay would not take affect until XXXX so I said go ahead and pay it then two days later they charged me XXXX a second time. Which left me in financial difficulty for two weeks. Then I called to have the second payment refunded XXXX said they would send me a check so after week or two my account was electronically credited XXXX by then my XX/XX/XXXX payment was coming so I called again on XX/XX/XXXX because autopay did not take payment again they said I was in default so I checked the Mail there was a check for XXXX in mail from XXXX so they refunded both payments when they were suppose to keep one since then I have payed both payments my credit score has dropped 77 points while Im in middle of credit card refinance which was denied due to this all I received was Im sorry no I think not that is not enough for their incopetance
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I was supposed to receive a deposit of {$2700.00} on XX/XX/XXXX I realized I put in the incorrect direct deposit information. When I called my bank they assured me that if the name on the account didnt match then my funds would be reversed to the sender. I patiently waited when I called the sender I then found out that the funds were never reversed. I called my bank they began to give me the run around and theres no way that they can transfer or even reverse the funds so that it could be deposited into the correct account. I am underemployed my job wont give me more hours so I need my funds
Consumer complaint received 2021-01-01
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. (PA)

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. 
Inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (SC)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Hi name name is XXXX XXXX and I have a Loan with Rushmore Loan Management this is my second complaint because it seems nothing was down My House loan was sold to Rushmore 10 Days after Closing, the original Loan was with XXXX XXXX On XX/XX/2021 I had XXXX disappear from escrow and no one can tell me where it went. I got set up last by the loan company to for a higher interest rate and more money down i was stuck because I had XXXX contingency that i would loose if I didn't, I really did get set up and taken advantage of I am willing to go as far as I need to see if everyone it getting set up like I am getting preapproved paying contingencies and right after paying XXXX more the the loan but they try to comfort you saying its okay well put it on the back end. I have Called Rushmore and sent there leter back with the responds that I do not accept them buying the loan because I need to take XXXX  to court and they are purposely making it more complicated. Loan # XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My legal name is XXXX XXXX XXXX. XXXX XXXX XXXX is not a name I have used. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
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. (TX)

In response to the credit reporting agencies ' assertion of a thorough investigation resulting in verified accounts, I am left baffled by the persisting inaccuracies glaringly evident on my credit report. As a consumer seeking clarity and resolution, I demand a detailed account of the purported investigation process undertaken by your agency. It is imperative under 15 U.S.C 1681i ( 7 ) that I am informed of every step executed to ensure the absolute accuracy of these items. Transparency and accountability are non-negotiable as I navigate the resolution of these discrepancies.
Consumer complaint received 2021-07-09
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: Diversified Adjustment Service, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -DIVERSIFIED ADJ SVC XXXX XXXX -XXXX/DEPT OF ED # XXXX -XXXX/DEPT OF ED XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

On XX/XX/2021 I sent collection agency MediCredit a certified letter requesting them to validate a debt they claimed I owe that was reporting on my credit report. 

On XX/XX/2021 I sent a follow up certified letter to MediCredit requesting debt validation. 

On XX/XX/2021 a third debt validation request was sent certified. 

MediCredit has neglected to properly validate the account ( which included signed documents of me giving MediCredit permission to have access to my medical reports/history ) This collection agency continues to verify with CRAs XXXX and XXXX.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (FL)

NCAC contacted me for the first time on XX/XX/21 via email advising that they were attempting to create a debt. This letter did not disclose that I had the right to dispute this debt. Then I received a letter in the mail from NCAC dated XX/XX/21 that stated that I did not respond in a timely manner and that they assume the debt was valid. There was only a 5 day period between the initial correspondence and the 2nd letter stating that I didn't respond in time, but pursuant to 15 usc 1692g ( a ) ( 3 ) I have 30 days to respond.

NCAC also sent the physical letter with their logo on the envelope and the letterhead. Pursuant to 15 usc 1692f ( 8 ) this is a violation to my right to privacy. NCAC also threatened that if I do not pay this debt that it would affect my credit report, which violates 15 usc 1692d ( 1 ). 
I have sent an affidavit of truth with exhibits proving the violations, a cease and desist, debt validation letter and an invoice, certified mail with green return receipt.
Consumer complaint received 2021-07-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (TX)

I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let Check N Go know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (IL)

In XX/XX/2021, I opened a dispute with my credit card for a charge. In XXXX, I called back to check the status. They told me they needed more information. On XX/XX/XXXX, I faxed them all the information about the claim, including the Merchant policy that was not honored and evidence backing up the claim. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check the status of my dispute. Each time they told me that either I hadn't faxed them information yet XXXX which if false ), or that the claim was still being processed and I would receive an update within the next few weeks. It has now been almost 180 days since I opened the dispute, and 120 days since I called back to check on the status. Consumer protection law says that the credit card company must acknowledge the dispute within 30 days, and respond within 2 billing cycles ( ~60 days ). No matter how you write it, it is well past the allotted 90 day period and I have not received a single response or update. 

Additionally, my friends made the exact same purchase with the exact same merchant with different credit card companies, and they initiated disputes in XXXX and their disputes were solved XXXX in their favor ) in XXXX. So other credit card companies recognized this merchant as faulty back in XXXX, yet my credit card company has not even sent me a response and it is XXXX already.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Collection Systems, Inc. (SC)

On XX/XX/XXXX, I submitted an online application for deferment for XXXX XXXX student loans due to unemployment with supporting documents. Although I sent proof of unemployment, XXXX - XXXX  ( hereon XXXX  ) requested " proof of benefit for XX/XX/2021 '' no later than XX/XX/2021. The agency also indicated that if the requested document wasn't received by the deadline, I would have to resubmit my application. 

I attempted to attach the document online several times, but the document couldn't be attached due to processing. A XXXX  representative instructed me to wait a few days to try again to attach the document. After a few days, I was still unable to attach the document. On XX/XX/XXXX, I mailed my application and attached the requested proof of benefits document showing currently unemployment as of XX/XX/2021 to meet the deadline of XX/XX/XXXX. 

On XX/XX/XXXX, during the processing stage of my deferment, I received an email informing me that my loans were sent to collection. This action of XXXX contradicts that deadline and the email informing me that if I didn't meet the XX/XX/XXXX deadline to submit the proof of benefits that I could reapply XXXX see attached ). Although XX/XX/XXXX was honored as XXXX federal holiday, my proof of benefits document was received by XXXX on XX/XX/XXXX. Also, the receipt date should've never been on a federal holiday where the post office and federal businesses are closed. 

Besides the above, I received an email on XX/XX/XXXX informing me that my application was denied because the loans were sent to collection, and I received a second email informing me to reapply for deferment.
Consumer complaint received 2021-07-08
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. (NC)

XXXX XXXX  DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Having received a {$27.00} charge from TU *TRANSUNION that I did not recognize, I called my bank and initiated a dispute, and found out that I actually was charged twice ( {$54.00} ). The credit card was cancelled and the dispute initiated. I only have a free account with Transunion that I use to freeze and un-freeze my credit to add security. However it looks like the credit bureau found a way to charge for unsolicited services, which is clearly a scam. 
I called Transunion to investigate and was told that I enrolled in a credit monitoring service. I told the person on the phone that I did not request nor enroll in any service, however he person did not listen and insisted requested the service, which I did not. 
I believe Transunion is scamming customers. 
Can you please help me by sharing what you can do from your help me and other consumers to prevent this kind of fraudulent practices? 
Thanks in advance. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
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. (CA)

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, TransUnion, and XXXX. XXXX  and TransUnion and XXXX  are not doing their job and are just verifying these accounts as accurate without really investigating.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

this debt owed was a part of litigation that was resolved in XXXX with all monies owed to Capital One being resolved in a settlement. Further the debt was from XXXX but XXXX XXXX has updated the debt to XXXX.
Consumer complaint received 2021-06-16
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: Social Finance, Inc. (FL)

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX XXXX 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 2021-07-08
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: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands. My account still has not been updated by the credit bureaus
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (NC)

XX/XX/2021 - I received a telephone call from a blocked number while at work. The message said that it was the Thomas debt collection company and that they have business with me. 

When I returned their call, I asked what debt they were calling about. To my knowledge, I do not have any outstanding debt. They refused to tell me who the debt was owed to or what it was owed for and requested a portion of SSN. I am not willing to give, even a portion, of my SSN to an unknown company. 

I asked why I have not received written notification of the debt or written notice of an attempt to collect. I asked to verify the address on the account. They would not verify it with me.