davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim {$10000.00} claim number XXXX acct XXXX Someone order my XXXX card and went spending all them charges and at that time someone stolen my wallet which had my personal ID and important information I called BofA and they took over XXXX to make a decision it wasn't till I had to calles them I even made a police report I faxs all them paperwork they ask for Its been over a yr and they still giving me a hard time
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/22, I purchased a phone online with XXXX  XXXX by using Affirm 's financing through their website. XXXX  has been entirely incapable of completing the purchase, cancelling the purchase, sending the phone, etc. for 3 days now. I am unable to purchase a cell phone using Affirm because they refuse to transfer my approval to another reliable cell phone compancy. They state I MUST continue to deal with XXXX, although XXXX  is completely incompetent. I no longer want any service, phone, etc with XXXX. Affirm is holding me financially XXXX to XXXX  for the next 60 days according to their XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.
Consumer complaint received 2022-12-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I checked my credit report today, XX/XX/XXXX with XXXX XXXX, as I had not in some time. I noticed a collections notice added to my report as of XX/XX/XXXX. The collections agency listed was Genesis Credit Management for {$55000.00}, through XXXX. The collections notice is for the company XXXX XXXX XXXX, apparently in XXXX, AZ, opened on XX/XX/XXXX. I've never received a letter of any debt owed from this company, or any call from any collections agency. The only notification I am aware of is from the notice on XXXX XXXX while checking my credit score. I have never lived or applied for a residence in Arizona. 

I have alerted XXXX about the issue and am attempting to submit a complaint of fraud as I have never opened this account. When I spoke on the phone with XXXX, I was alerted another collections agency, Columbia also has the account on file.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

Lender has marked my account and notified credit agencies with a late payment notice. 

No payments have been missed or, are missing. 

I have contacted the lender by phone on two occasions and after a lengthy wait time, I am offered to have someone call me back within 24 hours but never received one. 

I did notice the monthly amount recently changed by approximately {$50.00} so I updated the payment amount but, payments have NEVER stopped. I have a payment history going back several years that I can furnish if needed.
Consumer complaint received 2024-04-22
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: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

XXXX  XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX Consumers Affairs.
Consumer complaint received 2024-04-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allied Consulting Services LLC (KS)

I wasn't contacted by this company at first. They contacted my mother and left a voice mail stating it was for me and talking about a recommendation for judgement. I then contacted them and told them to stop contacting my mother and they needed to communicate with me. They have continued to harass my mother with phone calls and me with text messages. The text messages have been threatening by telling me they are going to contact previous employment within the last XXXX  months. I feel they are in violation of talking to my mother telling her i have a judgement against me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (KY)

I received a summons from the Sheriffs office that I owe Sam 's Club XXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. 
I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. 
Who verified it? 
I flip the pages and I see that I have to answer the following interrogatories. 
I never received the purchase agreement and the bill of sale either.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

HIPAA violation : I did not give authorization, verbal or written to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that authorizes the release of my PHI to them. If an electronic transfer was conducted they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also a copy of their Business Associates Agreement ( BAA ) outlining their responsibilities to the covered entity pertaining to 45 CFR 164.504 ( e ) QUALITY ASSET RECOVERY needs to provide a full accounting of the amount alleged to be owed in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points which makes ALL correspondence evidentiary AND under the penalty of perjury. 
Alleged Account XXXX*****/ does not provide a full account # Amount alleged to be owed {$1700.00} Alleged Account XXXX****/does not provide a full account # Amount alleged to be owed {$1800.00}
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (SC)

I'm not liable for this debt with LVNV Funding, LLC account ending with XXXX and a balance of {$1500.00}. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. I ask that this agency be removed immediately from my XXXX credit report.
Consumer complaint received 2022-02-21
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. (TX)

I am attaching my old and latest credit report as a refference. 
I am requesting that my credit report be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my latest credit report in TransUnion that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GCFS, INC. (CA)

I have was sued by a company representing XXXX. i have paid my debt to XXXX over ten years ago. i recieved a letter stating i own interest and penalties on an account i have paid in full. i received the lawsuit saying i was sued for something that was paid off over ten years ago. i sent them letters trying to clear up the matter but nothing has been returned to me besides additional court filings. please delete this nonsense off my record and my name since i dont know owe XXXX anything. i have not had a debt with them over 10yrs and more. i dont know who else to contact to clear this nonsense off my name the company representing XXXX is Greater CA Financial Services. after 10yrs GCFS legal department decided they want to scam me for money. please help clear this matter off my name
Consumer complaint received 2022-12-27
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. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Consumer complaint received 2020-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (PA)

I purchased a vehicle from XXXX XXXX XXXX XXXX HYUNDAI in  New Jersey and financed by Hyundai Financial. I am trying to transfer the vehicle out of New Jersey to PA and pay off the loan but it will void the warranty. I purchased the vehicle with my gf. For some reason I was left off the title. The warranty is only valid to the originally titled person. I have contacted the dealership and Hyundai financial and each keeps blaming each other for the mistake. I am primary on the loan.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX RE : XXXX ( Loan Modification ) To Whom it may concern, I am contacting you today to explain the circumstances which have caused me to become delinquent on my mortgage payments. Although I have done everything possible to improve on my financial situation, Im short on the money owed to you. I would greatly appreciate the opportunity to obtain a loan modification. 

The main reason I have become delinquent in my mortgage payments is ( my son is in the hospital due to having uncontrollable XXXX and so many decisions had to be made and I have no family in the state Im by myself and my daughter is in college and money had to Be paid along with treatment payments for my son. I been working like a long and I also fell ill with my XXXX I was not put myself at the top of the list but then I had to because if Im sick nothing would get done ). Since i do not have enough income to pay to catch up with the passed due I would be grateful if the lender would give me another chance to save my home it was hard with covid and everything else that followed behind that. I truly want to pay what is owed, but at this time do not know how to accomplish this. Therefore, we are turning to you for assistance. I am in a place now the I would be on time in making my payments from here moving forward. 

We are asking for consideration to modify my loan to safe my house. Doing so, would help me get back on track. Our home means a great deal to me and my children and I desire to work hard to keep it out of foreclosure. Please advise me of all options available to stop foreclosure at your earliest convenience. I am so anxious to reach an agreement and appreciate your prompt response. 

Respectfully yours, XXXX XXXX. Borrower Loan # XXXX Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to inform you that I have sent letters to creditors asking for documentations, but have not received any response. I am concerned that the creditors are not responding to my requests, and have not received the requested information till this day. I also provided in the letter where to have the requested mail to. 

The first letter was sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX '' delivered XX/XX/XXXX '' XXXX XXXX XXXX I have enclosed copies of the letters I sent to the creditors and all of the relevant documents that I believe are necessary for the CFPB to review my case.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (TX)

I have taken out XXXX loans with Upstart. Over the past few months, when attempting to access my accounts with a representative on the phone or through the Upstart website, XXXX of the loans are unavailable. Representatives can not find the loans in the system. Although Upstart loans are offered and reported to the credit bureaus under the Upstart name, Upstart representatives are unable to service or even view certain loans. As a lender, there are certain responsibilities that Upstart has to its customers. Simple servicing of loans is XXXX of them. Drawing payments and reporting to credit on loans that their representatives can not access is unacceptable. From a consumer standpoint, a company is failing when it can draw payments on XXXX account, report negative credit markers on another account, but can access neither when a customer seeks to take action on loans. Without access to loan accounts, customers have no remedy for late payments and are left to sit and watch while their credit scores are decimated because of Upstarts inability to do the most basic of things - service its loans. I have repeatedly asked for assistance from upstart representatives, to no avail. When I request documentation of XXXX particular loan that is impacting my credit, I receive documentation regarding an entirely separate loan. The level of confusion and disorganization at Upstart is such that, in my mind and likely the minds of other customers, the company brand is little more than XXXX of abject negligence regarding its most basic responsibilities and blatant disregard for consumers. 

As of the date of this complaint, Upstart has not produced any documentation on the loan negatively impacting my credit, and has provided no options to pay the loan and make it current. They repeatedly tell me that they can not find it in their " system, '' and are giving me no option but to seek remedy through external sources including CFPB, the State Attorney General, and potentially legal action.
Consumer complaint received 2020-01-13
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. (CA)

XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

We pay biweekly. The last auto draft they took out was on XX/XX/XXXX. 

We confirmed with our bank ( XXXX ) that the mortgage company never tried to draft after that. 

Called mortgage on XX/XX/XXXX to ask them why this happened. They couldn't answer us and opened a trouble ticket to call us back by XX/XX/XXXX. We paid the outstanding balance online manually. 

XX/XX/XXXX -they did NOT call us back XX/XX/XXXX we called mortgage and spoke with XXXX XXXX He made us pay {$110.00} ( not sure why ) and said this would make us whole again for our biweekly. He said he set it up to pay XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX we called mortgage and asked why payment for XX/XX/XXXX didn't post and they said " it can take awhile '' XX/XX/XXXX called mortgage company and they said they still don't know why the payment won't post and their " HCA dept '' will have to call us because they don't know.