davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax on XXXX XXXX, 2022 and have not reveiced a response from them. I have provided all documents several times and they are still showing a active dispute. 

It uzzling that they can update new informatin but not disputed information.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Capital One Quicksilver Credit Card was recently closed. I attempted to have my account reopened via Capital One customer service. This occurred XX/XX/2022 I explained that I am a XXXX XXXX XXXX XXXX and I was recently XXXX, with a XXXX XXXX  During this XXXX   my elderly mother was assisting me with paying bills, rent, and general up keep of my life outside of the XXXX. Unfortunately my elderly parent tried to pay my Capital One Quicksilver Credit Card bill without my permission and returned balances were the effect of my parent doing this. I called Capital One as soon as I realized what had happened explaining everything to them even that I was XXXX   during the time but, they told me nothing could be done. Stating it was my fault even though I was in the XXXX  and am XXXX. I am not sure why they are doing this and it has truly been an added devastation.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

My complaint is a general one after dealing with XXXX and Equifax today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.
Consumer complaint received 2019-01-03
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)

Transition have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status transition deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (FL)

I received an invoice for XX/XX/2020 for XXXX XXXX XXXX XXXX for an amount of {$1000.00} & I was in XXXX at the time they said was there. I called and the first thing they asked me was to verify my Social Security number, no greeting asking who I was, just read off the last 4 digits like they had it on file expecting the call. When I asked for the XXXX XXXX XXXX XXXX phone number the number they just said to check on XXXX. I thought that was suspicious because if you guys are partners you should have their number on file. When I called the number was no longer in service, so now Im even more suspicious.
Consumer complaint received 2022-04-28
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. (NV)

XXXX has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than XXXX payments late. The XXXX account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted XXXX as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my transunion  report only if I start making payments. XXXX has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.
Consumer complaint received 2019-01-03
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. (MI)

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rent Recovery Solutions (TX)

XXXX  is reporting the same account from Rent Recovery Solutions twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. XXXX  added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as XXXX  states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

THE ACCOUNT NUMBER WITH BANK OF AMERICA, I WILL GIVE LATER. THE COMPANY IS CHARGING TWICE FOR LATE FEES AND INTEREST. I WAS UP TO DATE WITH MY CARD IN XXXX. IT IS NOW XX/XX/XXXX, I CALLED COLLECTIONS AND THEY ADVISED IT IS ONLY 1 MONTH OLD. THEY HAVE CHARGED ME OVER {$700.00}. WHEN I CALLED, AND I CALL EVERYDAY TO TRY GET THIS RESOLVED THEY ADVISED THAT I CAN NOT DO A DEBT SETTLEMENT FOR ANOTHER 5 MONTHS. ALL I AM TRYING TO DO IS RESOLVE THIS DEBT. WHAT THE GIRL ADVISED ME ON XX/XX/2021 IS THAT THEY ARE CHARGING ME OVER {$220.00} A MONTH. THEY ARE GOING TO LET THIS ACCOUNT RESET AND BUILD UP MORE INTEREST FOR ANOTHER 6 MONTHS. THIS IS A VIOLATION OF FDCPA. ( CHARGING ME TWICE FOR INTEREST AND FEE AND LATE CHARGES. I WILL HAD MEDICAL PROBLEMS AND THEY WILL NOT WORK WITH ME. I MAY JUST FILE BANKRUPTCY AND THEY WILL NOT GET NOTHING. ACCOUNT XXXX
Consumer complaint received 2019-01-03
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. (MI)

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Resolution XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Company (PA)

My son was covered under the State Medicaid insurance. Our local health plan did not bill them correctly and I have contacted both the state and health plan to resolve this. They're supposed to have been talking and sharing the information to get this corrected. I have told the credit management company this on several occasions. 

They just called me and started the call by asking me to verify my son 's social security number and birthday. I told them I was not comfortable sharing that information with someone who had called me. Instead of offering me their number to call back to, the woman simply told me that she'll just keep calling me and my wife until the matter is resolved.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I have a charge dispute with Discover thats going on 4 months now, for goods and services that were never received. A merchant charged {$6800.00} on XX/XX/XXXX for a siding job on my and my husband 's house. The merchant never delivered the goods or service, and after a year of excuses, the contract was cancelled, and I requested a refund. Through repeated attempts, I have been unable to contact the merchant since then. After failing to resolve this with the merchant, I opened a charge dispute with Discover.

4 months in dispute and this charge has not been settled. Ive provided extensive documentation of the merchants non-delivery and contract breach. Each time I speak to the dispute department, Im told additional information is needed, and I provide this information. However, on my XX/XX/XXXX phone call to the dispute department, I was again told Discover requires additional information, however this time I was told I cant tell you specifically what that information is. The agent also inquired as to why Discover should be responsible for refunding me this money.

Discover claims this is still a valid charge, despite the fact that I never received the goods/services. As the charge is beyond 3 months, Discover no longer has the ability to chargeback the merchant, so the money would come from Discover itself. I believe this is why Discover continues to claim the charge as valid, because it would cost them money otherwise.
Consumer complaint received 2019-01-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX  told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.
Consumer complaint received 2019-01-22
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: SYNCHRONY FINANCIAL (PA)

Credit card lost in 2017. Walmart replaced with a new credit card but this old card still shows up on my credit report. I would like it to be removed.

All other collection account was closed on behalf of the company. I had no late payment and kept cards up to date.
Consumer complaint received 2022-08-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing, LLC. is attempting to extort money from me to pay an alleged debt. I have tried privately to get a certified financial statement from their CEO or CFO, however my certified mail addressed to them gets a generic computerized response from a random " employee '' at their office. They use the mail to send threatening letters, claiming they have rights to sell my property if they consider me in default. After I brought my concerns to their attention that there appears to be an error with their claim, they took retaliatory action and transferred the account to another third party debt collector to take further malicious action against me and my property- again claiming they had rights to a foreclosure of my property. These third party debt collectors are conspiring to deprive me of my God-given rights to my property- they prey on consumers who do not have " business knowledge '' by sending documents with deceptive and fraudulent language you are not intended to comprehend, and is intending to be misleading, so they can get you to unknowingly abandon your property. I performed a securitization audit of the alleged account and came across the CUSIP report, detailing the value of the stock investment ( after Specialized Loan Servicing unlawfully sold the account to investors for profit ) and the value being in the millions, there does not appear to be ANY WAY I can be in any type of default or debt to them. They are GROSSLY and unjustly enriching themselves from the consumer 's lack of business sophistication to be able to spot the deceit in their documents and contracts. This corporation has already been sanctioned by the CFPB for the exact same type of fraud. It does not appear this has discouraged them from continuing to abuse consumers in collecting debts. I insist an investigation be brought unto Specialized Loan Servicing, LLC. and their partners XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. as to their business practices and specifically what policies they have instituted to prevent consumers from fraud and abusive debt collection practices. This corporation along with the other parties need to be stopped before any further harm can be done to myself or potentially millions of other consumers whose accounts these corporations may come into contact with. 
Respectfully and honorably submitted by : XXXX XXXX XXXX, beneficiary, All Rights Reserved
Consumer complaint received 2020-09-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. They called me the first time  at XXXX XXXX   and the again at XXXX XXXX
Consumer complaint received 2023-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

As per RTR, " RTR began servicing the junior lien obligation in XX/XX/2009. Since that time, RTR has made multiple efforts to contact the consumer in writing and by phone. '' Since RTR claims that they start servicing the junior lien in XX/XX/2009. I will like to get the copies of all the attempts made in writing and by phone as claimed by RTR.

I will like to get copies of all the letters mailed to me, along with the efforts made by phone ( Call logs with dates, time and numbers called ) as claimed by RTR.

TILA, RESPA and California DFPI requires that RTR provide information as requested above in a timely manner.

I will also like to know complete breakdown of the balance including interest charges ( rate and amount charged daily, monthly and yearly ) and or any fee added to the account.

Thank you
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

not mine FCRA violations XXXX XXXX {$0.00} Closed 24 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$14000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$14000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO - - - XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO XXXX - - - - - - - XXXX XXXX XXXX On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 79 Months Company sold Invalid date Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You're looking at an old report. 
If something doesn't look right here, check your most recent credit report to see if it's up to date. 
Hide not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2020-02-05
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. (NJ)

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX in a XXXX accident. I XXXX  XXXX for a living. I really need these lates removed I dont understand. Please godbless you and your family
Consumer complaint received 2023-07-31
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. (MI)

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Called XXXX, XXXX, Transunion multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution