davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX XXXX Caine and XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX Delivered Via Regular Mail and Email : XXXX Account # XXXX Caine and XXXX, Has made 2 claims for monies not owed to XXXX XXXX. In each instance my request for verification of the amounts owed and written agreement between XXXX XXXX and Caine and XXXX  has gone unaddressed. These actions have had adverse impact to my credit score three times. 

The dispute was delivered via email and mail for communications delivered, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Enclosed are Copies of each communication ) As of XX/XX/, I have another communication from your office regarding and event and cost I am not aware of instructing XXXX XXXX to perform on my behalf. I have removed XXXX XXXX as the Agent with XXXX XXXX ( Please do the research ). The amount of XXXX with the XXXX XXXX Account Number XXXX and C & W Account Number XXXX is simply a matter of C & W being XXXX for being handled regarding the abovementioned.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-12-06
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. (GA)

1 ) TD XXXX XXXX XX/XX/2018 ... 

Dear Credit Reporting Agency I am a victim of identity theft, Im writing too dispute the following items on my credit report.

Each of the following and transactions Im disputing were open and made by someone other than myself. I have contacted there companies and none of them have provided me with any documentation verifying that these accounts belong too me or that I signed for them. I never authorized, used or benefited from these accounts or transactions in any way. Please provide me with documentation or remove inaccurate information immediately from my report ; Im a veteran who served his country with great courage and valor I deserve better ( again ) Please remove immediately
Consumer complaint received 2019-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

In mid XX/XX/2019, though I was able to send money using my linked debit card via Google Pay, I was not able to transfer or redeem money sent to me. I have called Google Pay now approximately 20+ times since XX/XX/2019, each time being told either there is not problem with my account and to try to collect/transfer my funds in 24 hours ; or that the " specialists '' have " reset '' my account and that my transfer would certainly go through properly, again, after 24 hours. 
XX/XX/XXXX I again attempted to transfer the {$800.00} which has been residing on Google Pay and was again not able to. After once again calling and being told that I would surely be able to access my money after 24 hours, I closed the account, having had more than enough of their shenanigans. 
Now, having closed the account, Google Pay still refuses to give me money, stating that they will wait 30 days from XX/XX/XXXX to " begin the process '' of " seeing where to send my money, '' which they say will take another estimated 14 days on top of the 30. This would mean that Google Pay will have had my money, at that time, for close to four months.

Please help with what would appear a fraudulent practice exercised by Google as they continue to hold my money hostage.
Consumer complaint received 2023-01-05
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. (NY)

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 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. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Consumer complaint received 2020-03-02
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. (ME)

In XX/XX/XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( XXXX ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to XXXX. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called XXXX to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XX/XX/XXXX bill but could not afford to pay the XX/XX/XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to XXXX, it reported me as 30 days late on my XX/XX/XXXX payment. In XX/XX/XXXX I filed a complaint with the CFPD against XXXX. By letter dated XX/XX/2019 ( attached ), XXXX denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency Equifax has not made the change and contunes to report me as 30 days late on my home loan. Equifax says that XXXX has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. XXXX has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of XXXX multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at XXXX has returned my calls.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

In XXXX we moved from XXXX  to XXXX due to a job offer in XXXX. We put our home on the market, but removed it as a favor to a family we knew that needed a place to rent for a year. That turned into

t wo years. And deep regrets for many reasons. After eight
years of renting the house to various renters, many of whom did not pay rent, and several who damaged the property, we were unable to make the repairs necessary to keep owning it as a rental property, and it was still upside-down in value. We found a buyer for a short sale, presented Chase with a complete and reasonable short sale purchase offer in XXXX. 

Instead of closing on our offer in a timely manner, Chase sat on the file for 10 months, constantly threatening us and offering us mortgage refinancing that we could not afford. After around ten months, they initiated foreclosure. Shortly after that, in XXXX, after 11 months of stalling, they suddenly closed on the original short sale offer. Some time later, they sent us a letter apologizing for their mishandling of our foreclosure initiation in particular, and enclosed a check for ~ {$150.00} or so as a sop for our troubles. I was very angry. 

The only major negatives that exist on our credit are that started foreclosure and the short sale. Last week we applied for and were denied a mortgage refinance for the lowest rate in decades. The foreclosure start was the final straw that prevented that. 

We need that foreclosure start removed from our credit. It should not be there. We believe that it was put there in pure spite by Chase, with no intention of following through, just to hurt us further, when they were going to take the short sale offer anyway as evidenced by their closure on the short sale soon after.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NJ)

The creditors LVNV FundingLLC, are harassing me about an extremely old debt which I do not owe, the debt is in the amount of {$3800.00} from XXXX XXXX XXXXXXXX. LVNV has not provided sufficient information for me to identify the debt. I never signed any agreement with LVNV Funding LLC. I do not owe this debt and it is over the New Jersey statute of limitations, and even if I did owe it it's passed the statute to be collected.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2020-03-02
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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. I have contacted the FTC and the police.
Consumer complaint received 2020-03-02
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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 TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.
Consumer complaint received 2020-03-02
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: ID Analytics, Inc. (PA)

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

XX/XX/XXXX XXXX : XXXX XXXX account ( Comenity Bank ). 

XXXX XXXX account ( Comenity Bank ). 

When I spoke to the representative XXXX XXXX in collections, it was determined they had the wrong phone numbers and no email address he forwarded emails for corrections. XXXX sent me this email confirmation because he is resending the delinquencies on my credit bureau for XXXX - XX/XX/XXXX, I am now working to get a mortgage for my dad 's house because my mom passed away and dad had to go to a XXXX home and I have guardianship because he has XXXX 

I called today XX/XX/XXXX and was not able to get this removed, as the bank said they saw notes but could not remove it.
Consumer complaint received 2020-03-02
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. (IL)

The XXXX XXXX XXXX XXXX via XXXX XXXX XXXX ran a hard credit inquiry without my permission. I have not been able to get this hard inquiry off my my credit report
Consumer complaint received 2020-03-02
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. (WV)

I have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC. (CA)

I went to a spa in XXXX of XXXX to inquire about an ad they ran for laser treatment for {$75.00}. They performed the treatment and then sent in a nurse to " evaluate '' what procedures I would require for full results. Then the manager of the spa came into the office to explain the price, when I said that was more than I could afford, he took my phone which I had been holding in my hands, and said he could do a quick application to see if I would be approved for a loan for treatment. My phone automatically fills in blanks for me so the application was filled out completely by the manager. When an approval came back for {$6000.00} he began to make appointments for me from the suggestions of the nurse. I did go to a couple of appointments and received a few of the treatments, however, I decided that I could no longer afford to keep doing this and changed my mind. I sent a text to the spa stating that I would not be returning. When my card continued to be changed, I reached out again asking them to stop charging my account, I called Cherry Technology they directed me to work it out with the spa. I told them I had, but continued to contact the spa manager asking how to resolve this. His response was, " We do not give refunds ''. I clearly explained to him that I did not want a refund as I was never in possession of the money. I simply do not wish to use the amount that was approved. This went on for months in the year XXXX and into XXXX. I called Cherry Technologies back they sent a link for me to complete regarding my dispute. An email was received that evening XX/XX/XXXX, stating they agreed with the spa and that I was responsible for paying the loan amount. I then sent a Truth of Affidavit requesting validation of the debt and offered 30 days for a response. Cherry Technologies calls and texts me relentlessly, all hours of the day XXXX days a week. While I am at work, while I am sleeping, it does not matter that I have asked for them to stop and that I have disputed this dept with them. Since I have not received a response I mailed a Cease and Desist on XX/XX/XXXX. I am ready to go to court to ask a judge to get them to go after the actual responsible party, which is the spa who was paid the money by using my name and credit.
Consumer complaint received 2020-03-02
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: Statewide Credit Services Corp. (NY)

A debt of {$280.00} that was paid off and closed last year was not removed from my XXXX credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( Statewide Credit Services, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.
Consumer complaint received 2020-03-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AL)

On XX/XX/2020 I received a predatory payday loan from a unlicensed lender in the amount of {$500.00}. 
I believe this company to be in violation of Alabama 's payday laws and legislation. 
Please see attachment for terms of the loan :
Consumer complaint received 2024-06-11
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: Fidelity National Information Services, Inc. (FNIS) (MD)

Original creditor XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency in violation : Chex Systems I have an auto loan with XXXX XXXX XXXX XXXX, that I just refinanced because Ive had to sue the dealership placed loan with XXXX XXXX XXXX XXXX ( despite our presence of lenders ( 2 ) ) and now them for numerous violations and fraud. I was issued a checking acct. My daughters was attached to my account, but I NEVER had any business with XXXX or the fraudulent charges to my account in my name. My daughter recorded the incident in which she paid through her debit card. Her card was swiped for payment and responsibilities. My daughter used my card once for an extension but I NEVR AUTHORIZED any use of my checking debit card for responsibility or any other payments charges, final billing, or use by XXXX for any reason. I have no signed contract with XXXX and I am not liable to them for any funds. XXXX is notorious for using old hold authorizations far after the contract has been closed out of force extra charges that they can not explain. XXXX XXXX XXXX XXXX filed this collections account with Chex Systems who is still reporting this erroneous collections account that isnt my responsibility. This account was fraudulently charged accessed ( see card swipes and manual charges ). Highly illegal unlawful.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (NJ)

On several occasions within contacting the company to arrange payment for my debt, they were intimidating and refused to allow me to make arrangements to pay off my debt. 

In my most recent contact on XX/XX/2019 to make attempts to pay the debt, the rep told me that I had to pay what was owed now, denying my rights as a consumer without offering options to assist. 

Several times they used scare tactics in order to get me to pay the debt in full, using if and then statements. 

I also wrote a formal complaint to the company about their practices where I shared my concerns of their behaviors and refusal to let me make arrangements to help me pay off the debt. This communication was not responded to. 

At this juncture, they are also not allowing me to pay reasonably. This is prohibiting me from my rights as a consumer and I am not protected.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX-XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/ Amt. XXXX