davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (MO)

In XX/XX/XXXX we were on vacations to XXXX XXXX, XXXX XXXX, we bought a Timeshare with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX we paid them a Downpayment of {$4000.00} and after that we started paying {$240.00} monthly. When we signed the contract they told as that we could use any week of the year with the exception of the week of Spring break, the week of XXXX XXXX XXXXXXXX and two weeks of XXXX Holidays, and they suggested make reservations with six months in advance. In XX/XX/XXXX I call them to make reservations in XXXX XXXX XXXX XXXX, they told me that they were full for the date that I was trying to get, which was at the end of XXXX, i call directly to the hotel in XXXX like a normal customer and they had rooms available that date, i tried using XXXX and there were rooms available too. I was pretty mad and call XXXX XXXX XXXX XXXX in XXXX XXXX and they told me again that they were full in XXXX for that date and they offer me to send me to XXXX XXXX, XXXX XXXX XXXX where they have Hotels too, i did not accepted his offer and I told them that I wanted to Cancel the Contract since they violated the Contract, I did not had what the offer to me. They transfer me with one of the Top Manager in XXXX XXXX XXXX XXXX XXXX XXXX, he told me that he will solve my problem, he asked to wait two weeks, I never received any answer. I call them again to let them know that I was going to stop paying my monthly payments and maintenance quotas, the threatened me with send me to Collection. I stopped doing any payment since i never received any single day of vacation and I paid them about {$8000.00}. 
Now I receive a letter from Monterey Collection SVCS trying to make pay {$11000.00} and they damaged my credit report for about 30 points down, this is ridiculous, I just want to have justice, there is no way that they could be stealing the people this way.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX   XXXX {$5300.00} DEPT OF EDUCATION/XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-06-12
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. (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 {$930.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$870.00}
Consumer complaint received 2020-06-12
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} U S DEPT OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00XXXX XXXX XXXXXXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/ welcome to XXXX  letter received. Federal loans will be transferred to XXXX in 30-45 days XX/XX/XXXX. XXXX  congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX and placed back into good standing. 

XXXXXXXX XXXX XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under XXXX XXXX we will not be reporting these loans unless you consolidate the loans. 


XX/XX/. Notice of XXXX  Discharge. Shortly there after, XXXX added XXXX derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX XXXX XXXX  have all been severely unhelpful.
Consumer complaint received 2022-01-25
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. (FL)

Evaluate this account : XXXX XXXX CO XXXX Balance {$10000.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$10000.00} balance indicating if it is a charge off account.
Consumer complaint received 2018-07-12
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: Midwest Recovery Systems (IA)

In XX/XX/2018 after reviewing my credit file I noticed an account from Midwest Recovery Systems {$550.00} that was opened up fraudulently. I contacted Midwest Recovery Systems four times over two weeks about this account. Midwest Recovery Systems informed me that they notified XXXX, XXXX, and XXXX on XXXX XXXX to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018. I have filed a cfpb complaint against : XXXX XXXX, XXXX XXXX, and XXXX XXXX in reference to this account.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Convenience checks — 
Company: SUNTRUST BANKS, INC. (DC)

SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED
Consumer complaint received 2020-06-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Ive sent numerous cfpb complaints to this company to address the issue on them not completing an investigation on discrepancies on my credit report. Ive sent them documentation and social security cards stating that i am the person who wrote the dispute. This company is violating my fair credit reporting acts by avoiding removing the inaccurate information that was never investigated. On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (MT)

EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wellsfargo wants me to pay to refinance or pay {$140.00} for the life of the loan. They said that when I signed the loan in XXXX of 2014, I knew I would have to pay $ XXXX/month for 360 payments. 
FHA help me get this mortgage. Thank You! But they let the insurance company profit from me for the life of the loan. Thank You, FHA.
Consumer complaint received 2020-06-12
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. (VA)

I have been a loyal customer with XXXX for many years and have always used the credit account through XXXX XXXX to take advantage of zero percent interest. XXXX XXXX is reporting a late payment on my credit report. I have NEVER paid this account late. I have participated in automatic payments or paid manually but have never paid late.
Consumer complaint received 2020-06-12
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: MoneyLion Inc. (MI)

On XX/XX/2020, MONEYLION fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with MONEYLION but with the FTC and the police. I submitted all documentation to both the credit bureaus and to MONEYLION but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (FL)

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

I have been trying to get in touch with my mortgage company for at least 4 months. My call can never get to them. I'm always on hold for over and 1 hour. My access to the website has been blocked, in order to unlock my account I have to call them directly, but how if I'm always on hold for so long. I just want to ask a few simple questions, how can I add my wife as an authorized party or what happens if I default on my account at some point.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX  XXXX Balance Owed : {$900.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXX RESIDENT VERIFY Inquiry Date XX/XX/year>
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (TX)

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. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (CT)

My name is XXXX XXXX and Im a victim of Identity Theft. I have two phone bills on my credit report that's not mines. XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$130.00}. Attached is my FTC report with my ID and social. Please update this as soon as possible.
Consumer complaint received 2020-06-12
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. (FL)

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.