davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6800.00} XXXX XXXX
Consumer complaint received 2023-07-03
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. (NV)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Consumer complaint received 2022-06-10
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. (FL)

In accordance to Consumer Fair Act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

XXXX Credit Card added two months of a XXXX XXXX fee that was called optional that I did not ask for or agree to. I paid my balance off immediately and asked for the account assurance fees to be credited ( {$62.00} ). I requested this on the Comenity website on XXXX XX/XX/2021 and vis phone call with them at that time. The fees were never credited but stayed on the card accuring late fees and interest. Comenity repeatedly called more than 8 times saying there was an outstanding payment due. Each time I spoke with the caller informing them there was no debt and in fact they owed me a refund. The callers either hung up or put me on hold until the line went dead, they have all said that they couldn't help me as XXXX XXXX was a different company!.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

On XX/XX/2018 I transfer {$2900.00} through Western Union to the XXXX XXXX, from my bank account online. They withrawed the money from my bank and said the money was available. When my sister in law went to pick the money up they refused to give her the money. They did a change on their system on which my receiver last name appears as a middle name and middle name as last name. They stopped the transfer and they would not fix the problem or let me fixe it on my end. They cancelled my transfer and it's going to take 7 days for my money to be deposited back to my bank account. It's a very sad situation in which this company is playing with my hard earned money. I believe there are many customers with the same problem.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (CT)

Phony email : Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, XXXX  and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America
Consumer complaint received 2021-12-06
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. (GA)

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-01-02
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: TFC Credit Corporation of California (MA)

I signed and gave the XXXX XXXX a down payment of {$490.00}. They told me by mouth to pay the school loan after you are finished with the entire course. Which every school loan is paid after completion. After there will be an exam to take when the course was completed. Well I failed the exam and was told to start paying the loan the week after. The school withdrew XXXX out of my account three times and refunded it back after I told them about what they told me before I signed the paper work that I was going to pay the loan after the course was completed. I did the 75hrs of class. I emailed the instructor for a retake and he told me that I was needed supervision for a retake after. Along this time to find there program app wasn't going to be functioning after XX/XX/2022. Im an honest person seriously even the class wasn't what I was expecting and there's something shading. There's something not adding up. There website for the class was functioning write too. All numbers of contact to call back are not in service and were unknown numbers. 

# XXXX XXXX XXXX XXXX XXXX in Administration.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company XXXX XXXX XXXX is now reported it as a XXXX XXXX XXXX XXXXT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards
Consumer complaint received 2019-08-27
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-04-10
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: Selene Holdings LLC (CA)

Selene Financial refused to provide a single point of contact while working on a loan modification. Every time I called it was a different person or had to be transferred and left and message. Multiple times asked to speak with a supervisor and was never given one only told that one would call me back but no return calls were received. I was working with the XXXX  XXXX  Assistance program twice. The program had funds close to but about $ XXXX off of the past due COVID amount to bring the mortgage current. The XXXX XXXX  assistance program requested that I contact Selene to have them either take the $ XXXX available and spread out the rest but each different person that I spoke with said no has to be the full amount or nothing. XXXX XXXX  assistance program could not understand why Selene would not work with me. There were many calls and Selene wanted me to turn down the covid funds and get into a loan modification. The mortgage assistance program could not release the funds they said unless it would bring the full past due covid amount current. Selene every operator was clueless and said someone would contact me. No one ever did. A foreclosure notice was issued by Selene and I filed a bankruptcy XXXX  XXXX and was still working with Selene by sending documents for loan modification. Selene never sent any notice. The issue is that they are LYING saying that a " Notice of Postponement '' or " Certificate of Postponement '' was sent NEVER this is the lie!! Selene claims they had a company called XXXX XXXX send a notice of sale of postponement. This certificate is a fake phony fraudulent document. Never ever heard of this company until after Selene sold my home. The bankruptcy was dismissed and Selene never provided any notice of sale new date. All mail by Selene is and was sent to my mailing address and they keep track of all mail. This is a complaint that is going against the unethical unscrupulous Selene Financial along with Nationwide Posting Publication and XXXX XXXX. Only after the home was sold did Selene provide a name of a lawyer and phone number that never answered in XXXX California. I researched his name and found XXXX XXXX and the lady yelled and screamed that notice was provided and that was and is a lie - no date, no proof of mailing and no proof of posting. The notice of sale was non-existent in an unethical plot to steal my home. This XXXX XXXX  company has yet to provide any evidence now they are trying to force me out of my home. All the while when I called Selene they were still working with me on loan modification as the reps did not even know the home was sold. Bottomline = NO NOTICE WAS GIVEN OF ANY NEW SALES DATE and the after prepared subsequently prepared documents are fraudulent and were never received and never posted or mailed period. Remedy : Return my home asap!!
Consumer complaint received 2023-04-07
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. (NJ)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I have contacted XXXX XXXX  three times regarding the remaining escrow balance for a paid off mortgage loan. I have sent three emails via their " Contact Us '' link within my mortgage servicing portal. The loan was paid in full on XX/XX/2019. My inquiries have been to understand when the funds sitting in my escrow ( approximately {$6000.00} ) will be released to me as required. 

On XX/XX/2019 XXXX ( Employee ID XXXX ) indicated to me that it takes 15 calendar days to issue payment, and an additional 7-10 business days to receive the check. I explained to XXXX that it has been 19 days since payoff and asked if a check has been issued. She explained the funds were issued on XX/XX/XXXX, however could not explain why the funds were still showing in my escrow account. Additionally, when I asked for the check number and amount, she was unable to provide the check number or confirm the check was actually issued. Further, when requesting a supervisor twice, I was told they were in a meeting ( first time ), or the wait was going to be 45 minutes ( second request to speak with a supervisor ), indicating they did not want to escalate my concern. 

My funds should be receiving interest for any delays in payment and I would like to know why the company refuses to respond to my reasonable inquiries of obtaining funds owed to me since XX/XX/XXXX in the amount of {$5900.00}. 

My email inquiries include : # XXXX and XXXX.
Consumer complaint received 2019-08-27
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXXXX/XX/XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   UNKNOWN CHARGE OFF ACCOUNT * Please remove all non-account holding inquiries over 30 days old. 
IN ADDITION THIS COMPANY IS DOUBLE JEOPARDY-ING ME AND BOUNCING THE ACCOUNT AROUND ALL 3 BUREAUS TO BE EVEN MORE UNSCRUPULOUS Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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)

I am interested in processing disputes for all inaccurate information on my credit report with experian. looking at the inaccurate information this is hindering my credit report badly. please delete an remove the information that is hurting my file. clrear my credit report of all inaccurate information asap.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (PA)

I have disputed this multiple times for multiple items on my report incorrectly added. The creditor would delete the item then either months or in this case they have added it after almost 6 months to a year later but now stating its a brand new collection with a more recent date of last missed payment date. It seems when it reappears on my credit the date they pulace as when it was opened is the most convenient date closest to the time it is added. There is never any consistency with what they place on my reports for the same account. 
SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.