davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Northeast Recovery Solutions, LLC (TX)

This company has been harassing me and my family. Calling me at work and threathen to take me to court for an account I do n't even know what is about. They call me at work and they do n't want to give me any information. Also They talk to me in a very rude and not proper way. Making me feel afraid of what they say that could happened to me. Keep harassing my family as well. I tried calling several times and the lady XXXX was rude and did n't wanted to give me information of the company. They call from local numbers and this number XXXX ext XXXX REPRESENTATIVE : XXXX AND XXXX XXXX
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (NH)

I didnt sign the loan when I noticed they are charging 688 % interest rate. You read that right, 688 %. They want consumers to pay more than {$6000.00} on a {$1000.00} loan in interest. How is this legal? Exploiting people who are having hard time especially during Covid? Im furious and dumbfounded that this can go on. Please stop this from happening.
Consumer complaint received 2019-08-01
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. (CA)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc. (IL)

GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, GATESTONE only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at GATESTONE and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX
Consumer complaint received 2021-12-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (FL)

Genisis FS Card Services Milestone Credit Card Application approved XX/XX/2021 Card to be received in 14 business days. 
Card not received. 
Called company. 
Card never issued. 
Recalled company. 
Card in processing. 
Called company today card mailed XX/XX/2021. 
Still no card. 
Statement received 2 weeks ago.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you
Consumer complaint received 2021-12-13
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: FC HoldCo LLC (AL)

Dates XXXX XX/XX/2020... Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus
Consumer complaint received 2019-11-24
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: SYNCHRONY FINANCIAL (MA)

This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2017-07-10
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. (TX)

Transunion has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (WA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

When attempting to make a payment online, I received the following error message : The website is not responding at this time. Please try back later or contact your institutions customer service department for further assistance. We apologize for any inconvenience. I contacted the Freedom Mortgage customer service line and explained to them the error message. The representative informed me that the error was a known issue and that I had the option of either making a payment via the phone system for a {$10.00} fee or via a live person for a {$15.00} fee. I requested a waiver of the fee since I could not make a free payment through their website. The representative stated the fee could not be waived. I then asked to speak with a supervisor. I was transferred to a team lead, XXXX, who was able to take my payment and waive the fee. I believe that Freedom Mortgage is deceptive in its practices by attempting to charge customers a fee for a payments when the option to make a free payment is not available due to the actions of Freedom Mortgage, not by any action by the consumer. In this instance, Freedom Mortgage has no incentive to correct the online system as they are able to obtain fee income from consumers that are unable to make online payments.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a lawsuit pending for damages against XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX. Take of your list and out of your database now. I am with XXXX and going to get you ASAP unless you resolve this Now!!! Thank you for your Time... 

I can and will prove that XXXX ( Committed Fraud ) and XXXX XXXX  XXXX XXXX Committed Fraud XXXX, XXXX XXXX ( Fraud Class Action Lawsuit already settled ), and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Fraud Class Action Lawsuit already settled )
Consumer complaint received 2021-12-16
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. (WA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on XXXX, XXXX, and Transunion and I didn't authorize them.
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (NJ)

This follow up was for my previous complaint with regards to the unauthorized inquiries that the XXXX and Equifax have not yet addressed. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Again, I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 15 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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: TRANSWORLD SYSTEMS INC (NY)

Please note there is a fraud account Transworld on my credit report. I am requesting the removal of this account from my credit. I didnt open this account, nor did I authorize anyone to do so. Please see the attached FTC report and delete it from my credit at your earliest convenience.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

I am a victim of identity theft due to Equifax XXXX breach which negatively impacted my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

XX/XX/ Called Freedom Mortgage to modify my recurring payment, and Friday XX/XX/ they took you the scheduled payment of {$410.00}, but also took out {$430.00}. I called then that day and told them that I did not authorize the {$430.00}, they informed me that they made the mistake and that I wanted that amount refunded back to me. XXXX XXXX XXXX  did a three-way conference call with Freedom Mortgage and my bank XXXX XXXX XXXX  , Freedom wanted to see If both amounts were posted and they were, so I told them the {$430.00} was the amount I wanted refunded back. The agent at Freedom said that they would take care of it said it would be 3 to 4 business days before I see it back into my checking account. Talked to them XX/XX/XXXX to get the status of my refund, all they told me that I should see it in my account the next day, I was not in my account, I called Freedom Mortgage and asked for a manager, The manager informed me that the agent that I talked to XXXX XXXX, did not turn in my request to get my refund back. The manager named XXXX said that he will expedite my payment on XX/XX/XXXX, and that I should see it by Monday, I called them XX/XX/XXXX that morning and the agent had an attitude towards me when I asked the status of my refund, they told me at the end of the business day of XX/XX/XXXX. Thats the latest update, I feel that they are stalling and do not want to give me my money back they took from me.
Consumer complaint received 2022-12-19
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. (LA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$1700.00}
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX XXXX. 

Transunion is reporting late payments in the XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are not accurate and can not report XXXX different ways. Furthermore you have provided me with no evidence that proves you did a reasonable investigation into my concerns. Provide me with the documents you used to determine I was indeed late.
Consumer complaint received 2021-12-13
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: DISCOVER BANK (NJ)

On XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.