davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I went to a doctor on a referral from my primary doctor. The referral was issued so it could be billed to health insurance. The doctors office did not submit in a timely manner so it was rejected. The doctors office send to collections with out trying to resolve first. I never was contacted over the matter by doctors office or collection. I see it on my credit report and call ASAP. Did not try anything to help. Because of a lazy doctors office and a scammer collision agency it gets charged off and credit ruined when the bill would of been paid in full. No penalties to any one just the me. Please help me resolve this. I should not be punished or anyone in this matter
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

FedLoan servicing can not provide me with any options for paying my loans. My income is too high for income-driven repayment, but my debt burden is too much to make another {$1000.00} payment every month. I have called countless times to try and work with them, but I just end up going into forbearance. It's about to drive me to XXXX, since my credit score has gone down due to missed payments, and they will not make a Goodwill adjustment despite having kept up with them for the past four years, so my credit score isn't high enough to refinance. I don't know what to do. 

Also, it's disgusting that they along with XXXX encourage XXXX XXXX XXXX to take out this much money when they have no idea what they're getting into.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.
Consumer complaint received 2019-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

Made 3 electronic payments to paypal account in XXXX. Total ammount XXXX . Money dissapeared. They were not applied to pay pal accounts.. all XXXX I try to talk to customer service. No results. I have copies of electronic transmitters from chase to paypal
Consumer complaint received 2022-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This not a error. I'm a consumer by law and my information was misused and now i have false not 100 % accurate accounts on my report. Unauthorized use of my credit report. 



PLEASE SEE ALL ATTACH DOCUMENTS BELOW
Consumer complaint received 2022-07-26
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. (TX)

XXXX XXXX Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with XXXX XXXX XXXX They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We received assistance for XXXX from Keep Youf home California in XX/XX/XXXX. Rushmore was unable to have our new payment amount solidified and did not have answers to any of my questions until around XX/XX/XXXX. They then informed me, yes informed me because I dont get any sort of monthly statement ever, that my payment which was barely decreased with that XXXX assistance would be dude XXXX, XXXX. Although we still didnt have any of the paperwork worked out. I was given a payment amount with no statement in XX/XX/XXXX. I asked and asked and begged for months to get a breakdown of how they XXXX was applied since my payment barely went down. I never got it besides a vague email From XXXX XXXX. NEver did I get that statement breakdown from Him Or anyone. Nor do I get monthly statements and I have no online access. And my point of contacts XXXX XXXX has not Returned my calls once. The arrears were In the XXXX I believe when they got that XXXX in XX/XX/XXXX. I was to start off fresh XXXX XXXX, with much lower payment and i never did find out how the excess funds were applied to the account. I preferred and asked for It to be to oncoming payments, However I didnt ever get answers, except for a vague email in XX/XX/XXXX. I always told XXXX that wasnt enough and we wanted the excess of almost 50,00 to be applied to future payments. Nothing ever happened despite My numerous requests. In XX/XX/XXXX I received a NOD for backed up Payments since XX/XX/XXXX. I just received a notice of foreclosure Sale for XX/XX/XXXX. Ever since I got the NOD in XXXX Ive been calling trying to work something out and get some answers as to how these Funds were applied from KYHC. To no avail. Ive also hasked for payoff for or reinstatement quotes with no response. These people are complete and corrupt criminals. They just want to scam people out of their homes.
Consumer complaint received 2019-09-05
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bass & Associates, P.C., Attorneys at Law (CA)

I'm just sick and very stress out to what has happen to me, I lost my Husband 5yrs. ago and I am a XXXX. old senior just trying to live and work and take care of my self, I have poor health. and trying to move into a low income senior apt XXXX Now am I find out The dept. of Ed. is Garnishing my pay, i can hardly pay my high rent and pay other bills. 
I keep ask what school is this, I didn't apply to any school, a couple of yrs ago I was inquiring about online, but back after 2 weeks, because grandson passed away he was XXXX. and they said it was find, I forgot the name of the school but they have all my information, I never got any thing from them, no books nothing, Now they are charging me over {$5000.00} for something I didn't do, And they said there would be no charge to me. 
I don't know what to do, someone got my information and use it and take food from and making me homeless, I sent every bill I owe, to the debit dept. and they said 30 days XXXX60days XXXX I can't wait that long, I really need someone's HELP PLEASE I have no one, I need this to stop NOW, I can't even help my grandchildrens
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (IL)

I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019
Consumer complaint received 2021-07-13
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)

Since last year XX/XX/2020 I have been requesting Equifax to correct my information on my report but I have not received any response from this company. On XX/XX/XXXX I finally got a live rep who answered the call from XXXX, rep named XXXX. He was extremely unprofessional, very rude and asking me to send my pictuires and credit card info to him, initially he stated his name as XXXX, and then when I asked him to transfer the call to his supervisor, he hang up. Such a horrible, unethical, bad service! 

I was recently notified by a car dealership that they pulled my credit and alerted me of some info which I didn't agree and had no knowledge. So I called Equifax and this rep in XXXX refused to send me a Free Credit report. Instead he was asking me to send my pictures and credit card. I am just extremely shocked at the level of this service and unable to get anything done for months now.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion I received my consumer report and notice there are some Hard Inquiries that I did not authorize, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Pls Remove Inquiries 15 U.S. Code 1602 - Definitions and rules of construction According to ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

I purchased a XXXX XXXX cell phone from XXXX. I was hospitalized in XX/XX/XXXX, was off work, returned to work XX/XX/XXXX. In the months I was off work, I received letter from XXXX XXXX account in Suspension, balance due {$230.00}. 

The account has been turned over to Convegent Outsourcing , Inc. My original call to Convegent they  insisted that I provide them with a credit card number, with the payments being taken out of my account by charging my card every month. I told the representative, I would be paying the account to them with a check/payment coming from my bank. The representative insisted that I had to make they arrangements with them the way they stated to me. I told the representative I have made a payment to Convergent, you will receive the payment within three days which they received 7 days before the XX/XX/XXXX. Calls from Convergent were coming up on my cell phone and I also received 3 call from them to my home phone, which I never gave them. I returned their calls last week or earlier this week, told the representative the same conversation I had with the other representative previously. Today, Saturday, XX/XX/XXXX, on my home phone and its XXXX XXXX from Convergent, telling me they tried to charge my credit card on XX/XX/XXXX and the charge was denied. I said let me repeat this again, " there might not be any funds on the card on the XXXX of the month, my bank will send payment/check before the XXXX of the month, XXXX XXXX, started raising his voice, tell me I can not make that arrangement. I proceeded to hang up the phone. 


This is definitely continuous harassment. The payment are being made and paid before the XXXX of the month.
Consumer complaint received 2023-03-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account # s XXXX & XXXX US DEPARTMENT OF EDUCATION Have inaccurate information reporting for status payments and inconsistent with other agencies. Previously Disputed and transunion willfully neglecting to delete both US DEPARTMENT OF EDUCATION accounts
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

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 account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 

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. 

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( Progressive ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In May I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX XXXX to that notice on my report. I have two letters from XXXX finance who informed me that as of XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

On XX/XX/XXXX I receive a letter in the mail from TRS Recovery Services , Inc that I owed them {$350.00}. The letter stated on XX/XX/XXXX a check was written in the amount of {$320.00} at XXXX XXXX XXXX. The account it references that payment was related to is an account I closed in XXXX of XXXX. I have never spent over {$300.00} at XXXX XXXX Someone used a check in my name on a closed account. I have reached out to the bank and they sent me proof of my account being closed as of XX/XX/XXXX.
Consumer complaint received 2022-07-26
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've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have XXXX business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2019-01-11
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: PENTAGON FEDERAL CREDIT UNION (CA)

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pentagon Federal Credit Union ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2022-07-14
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. (NC)

I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My credit score was XXXX and now it is XXXX.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Boone & Associates Group LLC (ID)

I received a voicemail on Friday, XX/XX/XXXX. My ex husband also received calls Friday and today, XX/XX/XXXX. The company, Boone and associates stated to me ex husband that they were going to sue me for an online loan taken out in XXXX. I left them a voicemail today telling them that I did not take out an online loan. I called back after my ex husband stated they contacted him again. I asked that they cease and desist in contacting anyone via telephone and told them via voicemail that I never received info about this debt via a validation letter and to send one. I also informed them that I had fraud happen during the timeframe of XXXX.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom was to send money from my escrow to my new insurance company. The insurance sent a bill at the beginning of XXXX. I followed up at the end of XXXX and they hadnt sent the money which they promised to do. I followed up again today and still no payment. I also sent the refund from my old insurance and in the memo on the check said it was for escrow. They put it towards the principal. I called and asked them to fix it. They said they would. They only put {$140.00} of {$4500.00} in the escrow. I called again today. They again said they will. They are terrible. I want resolution of my problems without having to call them 5 times.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

ON XX/XX/2022 A LETTER OF DENIAL WAS SENT TO ME AFTER APPLYING FOR AN EXTENSION OF CREDIT THROUGH MY BUSINESS ACCOUNT THROUGH BANK OF AMERICA. THIS COMPANY IS DISCRIMINATING AGAINST ME. THERE REASONING DOES NOT MAKE SENSE THEY ARE STATING THAT THE LOAN BALANCES ON MY CREDIT REPORT ARE TOO HIGH AND THE LENGTH OF TIME OF MY ACCOUNTS THAT ARE ESTABLISHED. THIS IS NOT RIGHT ESPECIALLY BECAUSE I EXTENDED CREDIT TO THIS COMPANY, THEY PULLED MY SSN NUMBER WHICH IS THE ORIGINAL CREDIT CARD. I WOULD LIKE THIS COMPANY TO RECONSIDER MY APPLICATION AND OPEN MY LINE OF CREDIT.