davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NC)

Greetings, My lender has purposely been stalling with first false information and now things that affect my personal credit and Morgage stability. 

I needed time to get my finances in order due to covid issues so I took advantage of the covid relief program. My lender never stated it would require a loan refinancing. 

My current lender has been stalling with sending me the paperwork which unfortunately it goes through only one person. Only one person at the company seems to be capable in writing this paperwork. I have called numerous times without success of reaching someone AND getting anything done. 

I finally received the documents and had little understanding of how it should work and I began to sign before I realized it needed to be done before a notary. I have not been able to get in contact with my lender again directly for more papers as the clock is ticking away. Each time I call I must leave a voicemail or the customer service rep leaves one and I never get a call back or the message never gets sent off to resend these documents. This is beyond frustrating and negatively impacting my finances & credit stability. 

I was charged additional fees and interest that I do wish to be removed because of this aswell. 

I have provided proof of XXXX XXXX tax XXXX exemption for XXXX veterans and this company never clarified how that affects my Morgage payments or escrow directly. Its almost as if someone is tucking the extra payments away for themselves.
Consumer complaint received 2023-06-23
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. (IL)

In Accordance with this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account Name4 : XXXX XXXX XXXX Account Number4:XXXX Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX  XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-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 believ that the information is innacurate.
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 — Problem with personal statement of dispute
Company: CarMax, Inc. (GA)

CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.
Consumer complaint received 2020-02-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX  XXXX  it was removed from my credit report. Now it seems Enhanced Recovery Co L  has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.
Consumer complaint received 2022-04-11
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. (IL)

I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!
Consumer complaint received 2018-07-11
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. (NY)

THIRD NOTICE OF DISPUTE OF FRAUDULENT CREDIT REPORTING, FRAUDULENT INQUIRIES, THIRD NOTICE OF ERRANT EXPERIAN CREDIT REPORTING, EXPERIAN FRAUD ENABLEMENT CREDIT REPORTING, AND NOTICE OF INTENT TO SUE https : XXXXXXXX XXXX
Consumer complaint received 2022-09-28
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 balance : Balance : {$0.00}
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .Please delete this incorrect and unverifiable address from my credit profile. I am giving you NEW info, so you are required by law to properly verified. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). Thank you, XXXX  XXXX.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

Convergent Outsourcing is continuously reporting the same debt that is not owed by me for their client XXXX I have repeatedly asked the company and the companys they keep hiring to provide me the phone calls and case notes showing that XXXX never provided me with the service they I was falsely sold. 4 years later I have not received this information and now Convergent malpractices reporting the same account and money 3 times in a 2 week span. If you review my credit, I pay my bills and no debts for the past 10 years. They are doing this intentionally trying to use tactics to damage my credit. This should not be allowed to be done and should be considered against credit collections.
Consumer complaint received 2019-01-14
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. (NJ)

According to my recent credit report request from XXXX, XXXX, Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (GA)

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc. (TX)

XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX falsely claim or imply that they were government representatives Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency Using any company name other than the true name of the debt collectors company XXXX XXXX pretended to be a government representative and sent a falsely represented official document from a court or government agency and did not at one time say that she work for XXXX through the written communication. 
They sent the attached wage order document to my employer.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORO OC, LLC (MI)

On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} XXXX XXXX XXXX has not done any additional work accept get my account over to FEDLOAN.GOV which I just found out I could do myself. They have charged me 3 months worth of fees and XXXX XXXX says that they have not even heard of this company. I do believe this company is a scam and I am reporting them because I want my money back. I called on X/XX/2017 and asked for a refund and an explanation to where my fees were going and they explained that they were like an XXXX XXXX XXXX XXXX. They do the paper work to consolidate the loans but XXXX  XXXX said that was not true and I could have gone directly through them for free.
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TN)

During Last summer XXXX XXXX My daughter was taken to the emergency room at XXXX TN XXXX XXXX XXXX. My daughter resided in XXXX with her mom and her insurance provider is from Indiana. We provide insurance information and we have never received any claim in which the file were refused or unpaid by the insurance. They insist in making us paid for a claim that was never failed with the insurance. <P/>Now they hired Capio Partners LLC out of XXXX TX to attempt to collect the debt and threating with the possibility to be turn over for collection.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Facts : XX/XX/XXXX check # XXXX from XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX same day in the amount of {$5000.00} XX/XX/XXXX from my fathers account XX/XX/XXXX Check # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX in the amount of {$100.00} XX/XX/XXXX same day from my fathers account XX/XX/XXXX check # XXXX drawn against the same bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX deposited in my BOA account Last XXXX XXXX in the amount of {$10000.00} XX/XX/XXXX. A hold placed on the check which cleared my fathers account the next day XX/XX/XXXX verified by a call placed to XXXX at XXXX and verified by my father the same day XX/XX/XXXX. 

As of today, you have held onto my money for 8 business days causing checks to bounce and fees to incur for no reason at all.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. ()

Sir I m using Citi bank credit card for the last 15 years may be more period but due pandemic this I was in trouble physically financially and from earnings also So there was delay in making payment of credit card but I paid principle amount in full and requested many times to waive the interest part which quite handsome amount Citi bank has down my cibil score due to which I m facing log of hardship Kindly look into matter with a request to give me positive solution As I have approached many times Citibank even sended mails to there ombudsman Dept but yet no response My citi bank credit card ending with XXXX Regards XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %. 
Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled. 

Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well. 

Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again. 

My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake. 

The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately. 

I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report. 

I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script. 

Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation