davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX T
Consumer complaint received 2020-06-13
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)

I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

On Monday XXXX XX/XX/2020, I used my Way2go prepaid card ( provided by Florida unemployment to receive my unemployment funds ) to tried to pay a bill via on the phone and my card was declined. I didnt understand why my card was declined the payment transaction so on Monday evening after several hours waiting on the phone finally Way2go prepaid card answer I explained to the Way2go representative that I was surprised that my card declined when I tried to pay my bill then Way2gXXXX representative told that my card had XXXX valance I said to her how I supone to have money. She said  that on Sunday XXXX my account show a withdrawal but I did not do any withdrawal on Sunday XXXX. Then she said that my card will be cancel and Way2go will sent a new card and sent a claim papers that I have to fill out and sent them back to Way2go. I agree to way the 3 days to receive the claim paper after 8 days I decided to call again to Way2go because I didnt receive the claim paper them the nightmare with Way2go started customer service are so rude and waiting time to answer minimum 2 hours. In a rude way a Way2go representative told that WHAT I think if I believe the claim paper will be at my home in 3 days!! He said that the paper will be in my home in 10 days so I asked if in 10 days I will receive the claim how long will be the process he said around 45 days. To hear that was unpleasant but I had no option that just wait. I receiveD finally the claim papers on XX/XX/XXXX I fill out them and sent by fax I call Way2go today to ask if the got my fax and customer representative say yes then she asked if I did police report and answered to her no because I didnt lost my card or someone stolen my card I have the card with me and I had until now no idea how someone can take money for my card if I didnt loss my card Anyway I told her if Way2go ti need a report police I will go right away to get one even still no understand how or why I suppose to say to the police that I wanted to get a police report because I have my card with me and I thrust way2go to hold my unemployment fund. Now after long day to run to the police department to do the report and got the number report I called again to Way2go to give the police report and after 4 hours waiting to be help on the phone WAY2GO CUSTOMER SER ICE SAID THAT MY CLAIM WAS CLOSED AND WAY2GO DENIED MY CLAIM. How it is posible! I didnt withdrawal any money from my account on that Sunday that Way2go go said. It is something weird I need help please Way2gXXXX suppose to do a investigation they have cameras in ATM machines I didnt do any withdrawal on Sunday XXXX I was at home. Please help me. I trust Way2go because the unemployment sent me the card.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Information Bureau, Inc. (FL)

Doctors Business Bur/XXXX XXXX XXXX XXXX have posted 13 accounts of {$30.00} each in my credit report dating back to 2014. I have sent pay to delete letters offering to make payment arrangements with the agreement that the account be 'Totally Removed ' from all credit reporting agencies. In other words, I asked that they do not simply show as Paid, but instead completely removed. The company has not responded. A sample of the letter has been attached. 

BTW, I never understood why the accounts existed. {$30.00} is what my copay was in every visit and in every visit I paid it in full. So I don't understand the charges and was never explained why I was double charged. I have XXXX as a medical provider.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (NJ)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-06-13
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: Global Lending Services LLC (GA)

I was shocked when I reviewed my credit report and found late payment on my file. 

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 2020-04-13
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. (MN)

I submitted a dispute to Experian on XX/XX/2020 for a balance update for XXXX XXXX. I paid the balance in full on XX/XX/2020 and XXXX XXXX  said that they update the credit bureaus at the end of the day each Friday. I recieved a response to my dispute on XX/XX/20 stating that the dispute was resolved and that no changes needed to be made. I called XXXX XXXX on XX/XX/2020 and they confirmed that the balance was paid onXX/XX/2020 and was reported to the credit bureaus at the end of the day.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

PHH Mortgage Services acquired my loan from Ocwen. I was advised I was approved for a trial modification with a monthly payment to be made XXXX, XXXX and XX/XX/XXXX after which a decision would be made for permanent modification. I called each week in XXXX regarding a decision and was advised the modification was approved and I would receive paperwork to sign and return. I received the paperwork XX/XX/XXXX indicating the permanent payments would begin XX/XX/XXXX and the paperwork needed to be notarized and returned by XX/XX/XXXX. I was advised the notorized paperwork was received XX/XX/XXXX and I would receive documentation confirming the permanent modification. I never received the documentation and called back each week for a status. I was advised on XX/XX/XXXX a PHH employee provided the wrong amount for me to pay and therefore the XX/XX/XXXX payment was short and the decision reversed. I questioned why I would receive two different decisions. The relationship manager assigned XXXX XXXX advised it was a mistake on their part and he was working to get it resolved. He advised on XX/XX/XXXX that I needed to pay {$1900.00} by XX/XX/XXXX to have the decision reversed in which I paid XX/XX/XXXX. I called the 1st week in XXXX and was advised I needed to pay {$630.00} for XXXX which was paid and at the time the modification would be permanent and reported as current. I have had four appointments since with the relationship matter with the most recent being XX/XX/XXXX and the matter is still not resolved. Once again he advised to check back next week. My credit report doesn't indicate I have a mortgage loan and that is a concern. I am not able to access any information on PHH website. When attempted a message populates indicating no account information is found.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2024-03-21
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXXXXXX 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 2020-08-04
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. (AL)

Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I had two accounts with synchrony bank jewelry department and was making payments until for some reason in 2013 they stopped cashing my checks I was sending through XXXX XXXX  bill pay. I have contacted them to remove the delinquent report from my account but they were unwilling to remove late payments even though the issue was on their end. I contacted them in may to ask if I could pay the balance and they remove it as I dont dispute the amount is owed. They then began reporting my account as charged off every month dropping my credit score and trying to force me to pay without them adjusting my payment history, which again was because they did not cash my checks. The checks were sent on time and I verified with XXXX XXXX  that they were sent. Just never cashed
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc. (PA)

Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (HI)

I am experiencing financial hardship and requested a loan modification as a result of the COVID 19 crisis and request my mortgage service lender ROUND POINT MORTGAGE to reduce my monthly payments as outlined in the CARES ACT and XXXX XXXX covid disaster relief fund. 

I am not interested to postpone or delay my monthly mortgage payments. Round Point ( LOAN # XXXX ) is not working with the loan investors XXXX XXXX to reduce my APR and reduce my monthly payments to assist me to stay in my home and continue to make affordable monthly payments as I have requested a hardship loan modification.
Consumer complaint received 2024-03-23
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. (FL)

Per complaint XXXX Equifax informed inquiries would be removed. Inquiries were removed and has been placed back on my consumer report some how. This is against federal law. As stated before I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, and I didn't provide permissible purpose this is identity theft : INQUIRIES : XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23, I have attached my FTC report and police report case number. I also attached a copy of my drivers license, social security card, and my credit card statement to verify my identity. Please remove immediately.
Consumer complaint received 2023-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (LA)

My father used my social security number, license, and financial information to obtain an apartment and was " evicted '' during covid. I now owe {$1500.00} according to rent recovery that should not be my debt. I talk to them XX/XX/2023 to discharge the debt but they refused. I did not get written correspondence about a settlement offer or anything of that nature.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

ARS Account resolutions are forcing new to make payment on a debt that is not mine to begin and that I never received emergency service ambulance from any company they threatened to damage my credit despite the fact I send them information that I did have insurance so there is no way your were not paid for service if it were true I fax them the document but they end up sending to collection for something I am unaware or know about it on top I have health insurance. Amount is {$460.00} or emergency service that I never received or was sick. I dispute with XXXX  they still kept the collection while all other credit report agency XXXX XXXX and XXXX  removed the collection.
Consumer complaint received 2020-01-08
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: Kentucky Higher Education Assistance Authority (GA)

I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a KY Higher Education. {$52000.00} in auto loans in default. These accounts have been disputed.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

TO WHO IT MAY CONCERN, OK I HAD A CARD MASTERCARD WITH CITIZENS BANK CARD ENDED IN # XXXX I HAD TO CANCEL THIS CARD MANY MONTHS AGO SO MORE CHARGES WOULD NOT OR COULD NOT BE MADE THERE ARE CHARGES FROM XX/XX/2020 FOR ITEMS I NEVER GOT AUTHORIZED OR RECEIVED THE COMPANY USES XXXX FAKE NAMES NO VALID EMAILS NO VALID PHONE NUMBERS ONE IS NAME LEAFY CLOVER THERES TONS OF BBB COMPLAINTS ON THEM I WAS TOLD BY THE LADY THAT HANDLED MY CASE IN FLORID, ALSO CHARGES WERE MADE BY A NAME XXXX XXXX FROM XXXX XXXX, BOTH NAMES ARE FAKE BOTH COMPANYS I NEVER AUTHORIZED TO CHARGE MY CARD BOTH ARE FAKE FRAUD SCAM CON ARTISITS, THIS IS FROM XX/XX/2020 TILL NOW. SO THERES 2 CHARGES 1 IS FOR {$89.00} AND ANOTHER NOW MONTHS LATER WITH A DIFFRENNT CARD # I HAD TO GET CAUSE I CANCELLED LONG AGO # XXXX NOW THERE STILL MAKING CHARGES ON MY NEW CARD WICH CITIZENS BANK GAVE THEM THE NEW NUMBER TO CHARGE MY CARD ITS UNREAL I NEVER GOT ZERO MERCHANDISE EVER I WILL NEVER EVER PAY ITS CORONA VIRUS SCAM ITS GOT TO DO WITH FACE MASKS I NEVER EVER GOT OR AUTHORIZED DONT KNOW NAMES OF THE FAKE XXXX COMPANYS I WENT TO BBB FLORIDA, I WENT TO CORONA VIRUS SCAM HOT LINE FOR FRAUD, I WENT TO F.B.I., I WENT TO ATTY. GENERAL, I WENT TO COMSUMER AFFAIRS I DO NOT HAVE THE PAPERS NO MORE CAUSE WHAT HAPPENED IS I GAVE ALL THIS PROOF VIA REGUALR MAIL AND I MADE TONS AND TONS OF CALLS AND I MADE TONS AND TONS OF EMAILS AND THEN AFTER ALL THAT I GOT A LETTER XX/XX/2020 FROM CITIZENS STATING TO ME THAT AFTER ALL REVIEWS AND INVESTIGATION THAT AFTER MAKING THIS CREDIT TEMPORARY THAT AFTER ALL I SUBMITTED THAT NOW I NEVER WOULD HAVE TO PAY THE CHARGES THAT THERE OFF PERMANANT OK GREAT WONDERFUL UNTIL LIKE 2 WEEKS AGO NOW XX/XX/XXXX, II GET ANOTHER LETTER AFTER THE XXXX L ; ETTER SAYING CHARGES ARE OFF AND WILL BE OFF PERMANANT I GET A LETTER XX/XX/2020 STATING THAT NOW THERE UNABLE TO SETTLE THE DISPUTE AFTER THEY DID ION XXXX THERE INSANE MENTAL THEY SAY THAT NOW I HAVE TO PAY THE MERCHANT THEY SAY SAYS THEY DELIVERED MERCHANDISE. THERE INSANE WHAT MERCHANDISE HOW WERE WHEN I GOT NOTHNIG I NEVER EVER GOT OR AUTHORIZED THE MERCHANT IS NOT A MERCHANT ITS A SCAM FRAUD, ALL PHONE NUMBERS ARE FAKE AND NOT VALID ALL EMAILS ARE FAKE NOT VALID AND IF SO WERE THE XXXX A LABEL, WERE THE XXXX TRACKING NUMBERS, WERE THE XXXX PROOF OF A DELIVERY WHEN I GOT NOT A THING WERE AND WHAT MERHCNADISE CAME WITH WHO WITH FED EX WITH UPS WITH REGULAR MAIL, YOU SEE ALL TIMES THINGS ARE ORDERED AND DELIVERED THERES TRACKING NUMBERS I WANT TO SEE PROOF OF TRACKING NUMBERS AND PROOF OF DELIVERY WICH IS IMPOSSIBLE CAUSE ITS A SCAM ANBD I GOT ZERO AND AFTER SAYING IN XXXX AFTER I PROVED IT ALL AND EVEN CANCELLED AND CLOSED DOWN MY CARD ENDING IN # XXXX THEY THEN DECIDE TO TELL ME MY COMPANY CITIZENS THAT I SHOULD PAY YOU MUST MUST TAKE SWIFT ACTION AGAINST THEM ...
Consumer complaint received 2020-04-13
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. (OK)

Experian and XXXX  should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX  as well as the bureaus to remove this line item from my credit report however, I have not been successful.
Consumer complaint received 2023-02-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.