davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-29
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 am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.
Consumer complaint received 2018-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (MN)

XXXX XXXX XXXX XXXX is a XXXX homecare services based in Minnesota. We issued a payroll check to a staff. The staff deposited the check with TCF online into her account number and the check posted as paid by XXXX on XX/XX/18. TCF refused to credit the staff account on the ground that they were investigating the check, despite the fact that it had posted. A manager from healingtorch and the staff went to the TCF bank on XXXX XXXX XXXX XXXX in XXXX XXXX MN XXXX, and met with the Assistant Branch Manager on XX/XX/18 to clarify the authenticity of the check and payment. Evidence detailing the withdrawal from the business account and the check image received from XXXX that payment has been effected from XXXX were shown to them including the company 's online business account. Despite all effort, TCF refused to credit the staff account with the money posted to them from the XXXX business account of XXXX. This Bank 's action jeopardise our action to provide effective client service, diminishes our organization 's obligation integrity and put our staff in financial difficulty, and is unacceptable. See attached files for evidences.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

On XX/XX/XXXX of 2021 I had a dispute on a few repeated transactions. I also sent a letter in details as to what happen because I also tried calling the Company trying to get my funds back. I was trying to get an affordable insurance for myself and the representative of that company misled me into signing up telling me the benefits but its not an insurance but a discounted program. I did not find out until after my account was already being taking out payments and because I questioned the Company why I have not received my policy and health card. I called the Company more than once and all they say was they mailed it and probably got lost and they're sending another one. I finally received the card after a few months, the card says its not an insurance but a discount. I called that Company .. upset and told them I wanted it cancelled. The next month the money was taken out again. I found that the Company is under " XXXX XXXX XXXX XXXX XXXX '' and which they also had many Complaints from the BBB I had a very bad experience with this Company personally. I'm XXXX old and they should not take advantage of not just me but people my age in general .. being misled. Either case I'm trying to get my money back from this Dishonest people or Company. When I called my bank they said I can file a dispute and will Investigate. I don't believe they did. I sent all the information and I had to wait 3 months for them to tell me I can not get credit for it. I don't understand how a Company is allowed to run like that to misled or trick people ... They took {$300.00} .. that is a lot of money for me. And my Institution I thought can help me.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

PHH returned a payment of {$2500.00} I made on XX/XX/XXXX and I just made another one for {$1000.00} They are an evil criminal organization and impossible to work with. I can bring the account current by XXXX and am acting in good faith PHH is not. There is a pending class action lawsuit against them which I intend to join. The state of PA got them for XXXX  XXXX for improperly servicing loans
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Consumer complaint received 2022-04-11
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. (FL)

Name is XXXX XXXX and I am providing new information, my previous case # was XXXX and they did not provide what I asked for and this is a violation of my rights and should be fined {$1000.00} and a check mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX if you review there response from that case they claim to not see the account on my file, but I have a new updated copy of my report and its dated for today and the account is visibly still there clear as day. " XXXX  '' In my previous complaint I requested the following and it was not done : My name is XXXX XXXX My Experian report XXXX is XXXX Account name XXXX  Account number XXXX .... requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report. 


Since they have not provided what I have asked for they are in violation of my consumer protection laws and CFPB must enforce my rights and I demand payment of {$1000.00} for the violation and demand removal of this account today permanently from my file and notify all other reporting agencies of these actions as well.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (TX)

ONCE AGAIN I XXXX XXXX STILL HAVE ISSUES WITH EQUIFAX 1. THEY ARE STILL LYING AND DE FRAUD ME IN MY CLAIM IN THE SETTLEMENT CLAIM ON MY CREDIT REPORT EXPERIENCE DID A EQUIFAX REPORT EXPERIENCE HAS PROVEN ON MY BEHALF THAT EQUIFAX DATA BREACH MY INFORMATION OUT ALSO HAS PUT ON MY CREDIT REPORT XXXX OFFENDERS ON MY CREDIT REPORT FOR NO REASON AT ALL IT SHOWS ON MY CREDIT REPORT AFTER EXPERIENCE THEN IT'S INVESTIGATION FOR EQUIFAX SHOWS THAT EQUIFAX WAS AT FAULTS FRAUDULENTLY LIKE SAID THAT THEY WAS NOT GOING TO PAY ME A SETTLEMENT EVEN THOUGH I CHECKED MY STATUS ON THE ON THE WEB SAYING THAT I WAS A CONSUMER WITH DATA BREACH MY INFORMATION WAS LEAKED OUT WHAT MUST I DO TO CONTINUE TO PROVE MY POINT ACROSS EQUIFAX KEEP DENYING AND CONTINUE DEFRAUDING ME AND WILL NOT PAY THE SETTLEMENT TO ME SOMETHING NEEDS TO BE DONE
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (OH)

Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XXXX ( Remarried in XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: 2288984 Ontario Inc. (TX)

The loan was taken out in 2017. 
Attempted to payback and was unsuccessful. Keep getting calls and voice mails stating the following : This message is showing is for XXXX XXXX my name is XXXX more and this is your from a vacation in regards to delivery _______ of our documents we making several times to reach you at your residence or place employment today XX/XX/XXXX between the hours of XXXX and XXXX XXXX so I'm unable to reach you guys are location is documented as a direct refusal to sign your questions concerns or need to reschedule prior to my arrival please come get the van parts office directly at XXXX and refer to reference number on this in the in XXXX Ary this is your phone the vacation I'll be out today between XXXX and XXXX XXXX  They are also calling family members and leaving voice mails.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

I recieved a letter from southwest credit saying i had a bill for {$370.00}. I been building my credits for years so I know i didnt have anything in collections. i called them and they told me it was from XXXX XXXX. i live in a two family, and was referred to this apartment from a friend of a family member who lived here for years, that recently moved a year ago. I disputed the bill, called the company and explained this is not my bill. I letter is dated XX/XX/XXXX, XXXX the company has put this on my credit report, and my score has now dropped XXXX point with XXXX XXXX and XXXX. Im really upset. my identity has been stolen and now my credit is damaged. although they had lowered the bill to {$260.00}, it is still stressful because my identity has been stolen.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-28
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)

I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX Please remove these fraudulent accounts
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Keystone Law LLC (LA)

I received a bill from Keystone  law in the amount of XXXX via postal mail. I also received 2 voice messages from XXXX XXXX on XX/XX/XXXX  and XX/XX/. On XX/XX/XXXX  I mailed an affidavit of truth, along with an invoice on XX/XX/XXXX  which was ignored by Keystone law LLC. A notice of non-response opportunity to cure on XX/XX/. I have not heard from Keystone law llc or gotten any responses from this company since I've mailed out my notices. This company has violated my rights and laws under the FDCPA. I do not have a contract with keystone law nor did I sign any contracts with this company. I did not give them consent to contact me about a debt that I do not owe to them.
Consumer complaint received 2024-03-08
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. (AR)

Ive recently checked my credit report and noticed inaccurate information reporting, these accounts are all reported differently o each credit bureau.How can i have 3 different balances reporting, 3 different past due amounts reporting and according to the FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) it is a violation. There are several other violations
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian has made it nearly impossible for consumers to reach them by phone in order to resolve credit issues. It only give you two options when you call : order a credit report or place a security freeze. Its absolutely ridiculous and impossible to reach someone at experian. As consumers it should not be this difficult to reach ANY credit agency. In addition to that they state that a proper number is provided on your credit report and it isnt! Experian is making it nearly impossible for me to secure my home by placing this hurdle. I cant even finish the underwriting process for my home loan because of this roadblock they have placed.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have repeatedly asked for verification and XXXX, Equifax, and XXXX  not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and XXXX, Equifax, and XXXX  just keep updating even though I have shown them the fraud.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions.

One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a closed car loan with XXXX XXXX, and transunion credit bureau has reopened this account and decreased my credit score. There has been no explanation why this account was reopened.
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NJ)

I have a XXXX mortgage from Sun West Mortgage Company. After the repairs were completed, Sun West Mortgage Company sent me my monthly statement XX/XX/XXXX for my upcoming XXXX 2016 mortgage payment. The statement showed the unused funds were applied to my bill and I still will have a remaining credit for about half a month worth of mortgage. The statement clearly indicated under please pay amount that it was a negative ( credit ) amount. Because of that monthly statement, I rearrange my finances to cover things I normally did not have room in my budget. On XXXX XXXX, 2016 Sun West Mortgage sent me an email saying I did not make mortgage payment before the end of the grace period ( XXXX XXXX ). I contacted Sun West and they stated it does not matter what they sent to me and pay my bill. They refuse to admit fault. They bombarded me with a lot of phone calls and had someone visit my home twice to instruct me to pay. Sun West stated that the credit is correct, but they applied it to principle. This may or may not be standard practice, but the monthly statement did not reflect that. I find Sun West practices to be misleading, inappropriate, harassing, and intimidating. Still, no one has apologize to me for the mix up. 

Best Regards, XXXX XXXX XXXXXXXXXXXX loan # XXXX
Consumer complaint received 2022-04-11
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. (FL)

I submitted an investigation into this XXXX  XXXX account with Experian and it came back as verified. i want to see the documentation they used to try to validate an account that not in my name. That means that this account is inaccurately reporting and should be removed immediately because as a consumer i am losing faith in Experian knowing that they are not properly investigating inaccuracies.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX has been putting on/ taken off back n forth a debt of {$260.00} on my credit report for a couple years now. I call them, dispute the item they claim I had for XXXX XXXX they can not provide me any info it was mine, they delete from my report and within a week they put it back on my credit report as a collection. 
They have damaged my credit report, therefore XXXX asking you for help in XXXX them delete their collection off my credit report immediately. They took off again last month and put back on. Please look into this as iam getting nowere on/off. I been disputing this for XXXX XXXX XXXX  and again they take off and within s week or so they put this back on my credit report. 
Thank you XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (IL)

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XX/XX/2018. 

Exeter Finance is one of the companies that was solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.

He refused to help.

It is unfair that they did that. It lowered my credit score by 200 points.
Consumer complaint received 2022-10-25
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.