davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I HAVE MADE MANY ATTEMPTS TO CONTACT YOUR OFFICE REGARDING BALANCE DISPUTES. I CAN NOT EEVEN APPLY ONLINE BECAUSE IT STATES I HAVE TO CALL. WHEN I FINALLY GET THRU YOUR AUTOMATED SERVISE WHICH TAKES SO LONG TO SPEAK WITH SOMEONE AND TRY TO SPEAK WITH THE DISPUTE DEPARTMENT YOUR COMPANY HAS THE NERVE TO TRANSFER ME TO A DIFFERENT DEPARTMENT WHICH I CAN NEVER SPEAK TO SOMEONE THERE. I HAVE REPORTED THIS TO THE FTC, CFPB, XXXX, AND THE ATTORNEY GENERALS OFFICE FOR YOUR COMPANY MAKING IT SO DIFFICULT TO FIX MY CREDIT REPORT. 
THIS IS THE ACCOUNT : XXXX XXXX XXXX -BALANCE SHOULD BE XXXX ALSO REGARDING MY PENDING COMPLAINT EXPERIAN STILL HAS NOT RESOLVED THE XXXX  COMPALINT AND BOTH OF THEE COMPLAINTS ARE AN ON GOING PROBLEM FOR MONTHS.
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (VA)

This is a following of complaint XXXX I do not understand why the complaint has been closed. Or maybe I do not understand the role of the cfpb. 

I thought the role of the cfpb was to protect individuals and businesses from predatory companies and potentially investigate misbehaviors. 

I am pretty sure you have received numerous complaints about goodleap and closing a complaint just based on a response from the business is not aligned with my understanding of your role and goals, especially when the response just says " we are not going to do anything for you ''.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My  wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (FL)

Beginning on XX/XX/2020. I personally received 4-6 calls to my cell number, 3 calls to my employer 's phone number and a single call to my brother 's phone. A XXXX XXXX with " Northwood Asset Management '' left messages regarding an internal case number saying he needs to speak to me or my attorney immediately. I manged to get in touch with him Wednesday, XX/XX/XXXX and he said it's a debt from a company called " XXXX XXXX. '' I told him he's been notified to not call me or any other contacts he has again and I don't know who XXXX XXXX is. He responded I " need to get a lawyer, because this is not going away '' and hung up. I've received no notification via US mail or email about any debt previously.
Consumer complaint received 2020-08-12
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. (OH)

These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I meet all the criteria for a loan .... the underwriters for TD Bank took nearly a month to evaluate..I was asked to right and send a letter in detailing why my income was low this year from previous years ( W2s ). I stated I was a victim of the XXXX epidemic like most people and my jobsite was closed down for 3 months being in XXXX. I denied the loan because of insufficient income..
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC (AZ)

This account is far past the statute of limitation. I believe any thing past due was from XXXX or XXXX. It was previously deleted from my credit reports about 2 years ago and has just be re-reported to the bureaus.
Consumer complaint received 2020-06-18
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P. (WA)

Opened XXXX XXXX sometime XXXX. Sent to collections XX/XX/XXXX. They left my account open and charged enormous amount of fees. Now owing XXXX from a credit card of XXXX. I made 1 payment, then fell upon hard times with my husband out of work. Credit limit was XXXX. I believe there was an annual fee. Most of the XXXX was fees etc. I talked to XXXX at lvnv funding and tried to explain I need printout of fees etc. I never received anything since XXXX. I talked to a lady a couple days ago. And asked for printout of fees. Nothing, instead sent my file to collection.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (FL)

Trident Asset Management has listed a debt on my credit report. I have no contract with Trident Asset Management. The amount listed is not possibly correct if I owed XXXX money as stated on my report. believe the account information is inaccurate. At no time did this company attempt to contact me before placing this debt on my credit report.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (VA)

Good Morning - my mother XXXX XXXX passed away XX/XX/XXXX. She was unmarried and no will. She didn't have any property or anything else. I have sent XXXX ( National Commercial Services ) an email twice to the email address on the letter once in XX/XX/XXXX and again XX/XX/XXXX stating that she is deceased and to stop sending letters to her to my address. This is very upsetting and very emotional for me as her only child. Please make them stop!!
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed.
Consumer complaint received 2020-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (GA)

In XX/XX/2019 both my spouse and I lost our jobs so I contacted PenFed Credit Union to inquire about what my options might be such as deferring payments to the end of the loan, reduced payments, anything of that nature that they might be willing to work with me on. I signed an extension agreement that to my understanding deferred 90 days ( or the next 3 payments ) until the end of the loan. We resumed our regular monthly payments in XXXX only to be blindsided by a letter from PenFed 's delinquent loan department stating that we were in arrears over {$1400.00} dollars. After pouring through bank statements and looking for copies of canceled checks I reached out to PenFed with copies of the Extension Agreement that I had signed, a listing of all the payments I had made on the loan and my belief that I was in fact current. Shortly thereafter I received another letter from the delinquency department stating that the Extension Agreement that I signed was placed on my file for future use as at the time I asked for assistance I was not eligible to receive any. To say that I was shocked was an understatement ; why would they have me sign the agreement and then not notify me in writing that the extension had been denied? The lender that I spoke with and emailed me the agreement never told me that I was in fact applying for future assistance ; it wouldn't have made any sense for me to do that I couldn't make the payments in XXXX. I have only recently started a new job and my spouse is out of work still, my fear is that repossession attempts are not far behind and I just honestly feel like I was completely mislead about the form I was signing ( it is clearly titled Extension Agreement ). PenFed basically told me to XXXX it up there was absolutely no repayment options given to me just pay the {$1400.00} now. They have also continued to contact my son who is in no way linked to this loan or to PenFed in any way, shape, or form despite his numerous attempts to explain to them that he is not an account holder of theirs. I'm not sure if they think he is lying and that it's really me on the other end of the line but the calls are repeated, during his working hours as an XXXX at a XXXX XXXX XXXX. I have given them my contact information numerous times so again I don't understand why they continue to call my son.
Consumer complaint received 2023-05-25
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)

Experian has furnished several incorrect items on my credit report and have had to remove them at my request because of inaccuracy. They were never supposed to furnish the incorrect and invalid information in the first place. These discrepancies have caused damage to my credit file and delayed me from getting things done in my personal life. They are also still not removing some more information that I have told them was not accurate. If they got these inaccurate and invalidated accounts on my file and had to remove them, there is no telling what other information they have that is incorrect. It is their job to handle all consumer files with fairness and respect for the consumers right to privacy, and Experian is not doing that.
Consumer complaint received 2020-06-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$120.00} XXXX  XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-08-12
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. (NJ)

Hello : Dispite numerous attempts, Experian is failing to report any account activity on my report. Both of the other agencies are reporting accurately, yet Experian reports that I have no credit history. I am a XXXX years old, own two companies and have an extensive credit history. It appears that something is wrong in the Experian computer program. I am certain that a supervisor could fix the problem if they were alerted. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview Loan LLC # XXXX Lakeview Loan did not properly credit the subsequent payment that I made on XXXX in the amount of {$9900.00}. This payment should have been credited to Principal Only/ Curtailment. I did what they asked me to do, which was to write in the memo " Principal/ Curtailment. I even Yellow Hot lined it. I've needed to contact them several times over the past 3 months
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I am opening a business and I purchased some furniture form XXXX XXXX on XX/XX/XXXX had a company that advertises new furniture. The company never delivered the furniture and I filed for a dispute with my bank for the charges and they provided a provisional credit for the transaction for {$1700.00}. I had a total of three transactions on XX/XX/2020 from Mr. XXXX XXXX advertised a company online for cooling caps and products I purchased a {$180.00} worth of caps and never received them and XXXX XXXX XXXX XXXX XXXX for {$190.00} and I never received the merchandise as well that I paid for. TD Bank provided me with provisional credits and came back and took the money out of my account. I had filed a police report submitted it along with the documents to show proof that I never received anything from these companies that falsely advertise. I also requested for my claim to be reopened and they still denied my claim after receiving the information and police report. TD Bank did not protect me as a consumer or my funds. I asked them to send me proof of what the customer sent them to say that I received the merchandise or a shipping receipt someone hung up on me. I never got a report showing proof that I received anything and how did they come up with the conclusion that I got any merchandise or items from these people. It has been a battle with TD Bank and they do not work in the best interest of their customers. If a customer do not receive what they paid you have the right to file a dispute which I did. This has resulted in them taking my paycheck out of my account as well and causing a hardship in my finances. The bank is suppose to protect your funds not allow people to steal them and walk away with them. TD professionalism and they way that I have been treated is wrong they made me feel as if I was the criminal and not the victim.
Consumer complaint received 2020-08-12
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

On XX/XX/20 i checked my credit report and saw a debt that i have no knowledge of.Hunter Warfield is trying to collect a debt that i never signed a contract with them nor have i entered into any written verbal or electronic agreements with.
Consumer complaint received 2020-08-12
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: Rocket Mortgage, LLC (TX)

Called Quicken Loans about a {$55000.00} new home loan. I was told they don't do new home loans less than {$100000.00} and they still ran my credit report. It was an unsolicited credit check for a loan they couldn't even give to me. 

I called and was told it was run because I DIDN'T tell them not to run it. That's ABSURD. 
I asked them to remove it from my credit report and they said " its only 10 points ''. I don't care if it's one point if I did not ask them to tell them to run the report. It's under my phone number XXXX
Consumer complaint received 2022-10-31
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: Early Warning Services, LLC (NY)

My account with XXXXXXXX XXXX was restricted after I made a deposit into my accounts because of Early Warning services LLC. I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!
Consumer complaint received 2020-08-12
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. (AZ)

So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.
Consumer complaint received 2020-06-18
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}