davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-21
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (KS)

Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XX/XX/ and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I submitted an application to Select Portfolio Servicing for a loan modification due to Covid and was denied for contradictory reasons. I lost my primary income of XXXX  in my home when Covid hit and was on Pandemic Unemployment Assistance ( PUA ) until it ended on XX/XX/XXXX. During the period of time I was receiving PUA I was able to afford my mortgage payment. Since PUA ended, I have been struggling financially to make an income that will pay my bills. There are two people on the loan, myself and XXXX. XXXX and I have been not living together since XXXX, but remain married on paper for the purposes of retirement ( his retirement goes to me upon his death ). I don't have a retirement so I can't afford to lose this benefit. XXXX is also XXXX XXXX XXXX than me. In XXXX I was able to successfully obtain a loan modification from the same company because they understood the situation and took into consideration XXXX expenses as well as his income, including the fact his income covers his household. When denied the loan modification, they gave me several reasons : 1 ) There was too much money ( they failed to take into account XXXX expenses and allocated all his income to this household ). 
2 ) There wasn't enough income. ( which is it, not enough or too much? ) 3 ) I wasn't on unemployment. ( I would be on it if the federal government extended it ) I have tried to communicate numerous times the specific situation I am in, including voluntarily sending letters of explanation, and expenses statements for XXXX. However, I have been unable to ascertain if the underwriter actually has reviewed them. Furthermore, I am being told there XXXX be other reasons for denial from the investors, such as not wanting to do a second loan modification. Nothing of this was stated in my denial letter, and this is not being transparent. 

I understand that mortgage companies received federal monies to assist people that have been affected by Covid. This is me. I'm trying very hard to make ends meet and generate an income. I'm borrowing money to pay the mortgage and it's not sustainable. If I had received a loan modification, even a temporary one, it would be easier to make the payments. I am scared to death to get behind on my payments because I am afraid of losing my home that I've lived in since XXXX and have no intentions of ever selling or moving. 

I would like my mortgage company to review my file in detail and acknowledge that the scenario is the same as XXXX when they granted me a loan modification, only this time it is directly a result of Covid. 

This is eerily like XXXX when mortgage companies received government funds, but did not pass along to the consumers. I wonder how much they received in government funding due to Covid.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (NM)

They will not stop calling even after I ask them every time they call. I do not want to talk to them. They are going by Diversified Services. They get aggressive and tell me that they are not going to stop. I have to hang up on them as they just keep hounding me.
Consumer complaint received 2022-04-12
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. (SC)

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, have 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 2021-05-17
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. (MD)

In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's XXXX and Equifax accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX XXXX ''
Consumer complaint received 2022-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

XXXX. Mohela is charging interest on my student loans despite the loans being in COVID forbearance and should not be accruing interest.

I have heard from others this has been occurring with their loans managed by Mohela. 

XXXX. I also believe that Mohela is delaying application of credit for months in forbearance towards loan forgiveness despite the periods of employment having been approved as eligible.
Consumer complaint received 2019-01-17
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)

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

NAME OF THE COMPANY : VANILLA GIFT I was gifted a Vanilla Gift Visa Prepaid Card with 400 dollars ( attached as proof of evidence ) by my aunt as a gift for my wedding in XXXX, the date of the event was XX/XX/XXXX and the card was given to me the next day. I did not open the card because I knew that it was only valid in the U.S and I waited until I was in the country. 

A few months past until I finally arrived to the U.S, the specific date was Saturday, XX/XX/XXXX ( Attached the flight tickets as proof of evidence ). After 6 days of my arrival, I opened the gift card and tried to use it at a local XXXX XXXX, this was specically on XX/XX/XXXX. To my surprise, the gift card said insuficient funds ; I was shocked since the card was not even opened until that moment and decided to check the current balance of the gift card in the VanillaGift.com  website and after I logged in with the card information, noticed that there were already four transactions covering all the funds the gift card had available. 

This transactions are the following : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX + {$400.00} ( the amount that my aunt added to the gift card ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX - {$210.00} ( first unknown purchase, I was in XXXX at the time of it ) XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$37.00} ( still in XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} ( still in XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( card without funds with this purchase and I'm still in XXXX ) All this transactions are in the registered in the balance of the card. 

I immediately called the number in the back of the card, the number is the following : XXXX and dialed the numbers in the automated voice machine to speak with a customer service representative but it would leave me on hold saying that they were experimenting long waiting times. After a few minutes, the call would just drop and no answer was given. I told my aunt about the problem and she tried to call as well but no answer as expected. Been trying to contact the customer service since then, but they never pick up the phone call. 

It was impossible to active the card before because we did not even open the card and a NIP was not setted. It is frustrating that it just took a month for the security of the card to be compromised and now the customer service would not even face the complain or say anything because we are not even able to contact the company.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a loan modification and was denied, so SPS offered me a short sale and I accepted that option ... I put that house up for sale and received an offer. The house is in very bad condition and needs a lot of work. We submitted the offer to SPS who did their own BPO and countered the offer at XXXX mil which everyone believes is too high ... .so we asked SPS to review their BPO appraisal..they sent us an appraisal from 2010 by mistake... so we then asked for a copy again..which they eventually sent ; so I called the bank and asked to appeal this BPO... the rep said..sorry its too late and now I am no longer eligible for any help... .we could have appealed on time if they sent the correct appraisal..wed like to just finish the short sale please
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX Dept of Education Account number : XXXX This account is reporting 120 days late payment. But it showing that I made payment two months in a row. So I didn't receive a 30 days late payment, 60 days or a 90 days late payment that is inaccurate reporting on my credit report. 

XXXX XXXX XXXX Account number : XXXX This account is reporting a 60 day late payment but is showing that I paid the month prior. Which means it not showing a 30 day late payment prior to the 60 day late payment and that is inaccurate reporting on my credit report. 

XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax really did not reinvestigate they lied on an official document saying they did something they did not do. I have attached the proof.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (FL)

I believe I am a victim of fraud. I used XXXX Docs to apply for loan forgiveness. I never received any confirmation nor did I receive any bills or payment notices. In XXXX I was trying to apply for a VA Mortgage Loan and was told that I owed {$16000.00} to a collection agency in regard to my student loans, and was denied a VA loan as a result. I contacted the collection company and asked for documentation to validate the debt. The documents they sent me were fraudulent. I never applied for a consolidated loan. I did not have any part in the documents and the information was incorrect, incomplete, and there was no signature, and no repayment plan selected. The email used on the documents was XXXX which clicked when I got a notification from the FTC stating that XXXX Docs had me listed as a client in their lawsuit for student loan scams! I sent this information to to collection agency demanding they remove it from my credit reports and found that they never reported to my credit? But that it is listed as two separate loans from Dept of Education one for $ XXXX and XXXX for $ XXXX. I disputed this with the credit bureaus and even sent them evidence of the fraudulent documents. Yet, now the accounts have been reinserted on my credit report as OPEN and DEROGATORY. I NEVER applied for a consolidated loan. I only applied for loan forgiveness since my school was shut down. In XXXX my military pay was taken and I was told it probably went to taxes owed. It wasn't until XXXX when I realized it was the deducted to pay this loan which is not mine!
Consumer complaint received 2021-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (IL)

I was sold a solar system that has never worked as advertised and the tactics used by the sales team were probably illegal. everything they told me was a lie. The solar company has never tried in XXXX to fix replace or work out a solution and loanpal is the same. I'm a XXXX person and desperately need help.
Consumer complaint received 2022-01-27
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. (NC)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-27
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. (NC)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

Good morning Express credit card : last XXXX of account number : XXXXComenity-express I paid off this account over the phone and requested it to be closed. The account was paid to zero. Then a couple weeks later I got a bill for XXXX XXXX i called the company and was informed that it was being recorded so I hope they still have it to confirm my part of my dispute. I had informed them that i paid off the account they looked into it and said that i owed a XXXX dollars for paying over the phone but when i was paying i was specific that no other charge was going to be added and our business was done then they said i had to pay again then i asked will i be charged for paying over the phone they said no so then i said so why was i charged in the start i refused to pay because i feel they are attempting to unlawfully take more money from me for no reason i paid off the account they are trying add charges that i was not made aware of and if they truly recorded our call i request those recording and it will verify my part. They have damaged my credit extremally and i would like help please. Thank you
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

we are trying for a couple of months now to get PHH Mortgage to pay our outstanding taxes, from out escrow account, due to their poor communication, its still not resolved, today we found critical information that can help but no response from them. 

XXXX We did our research with " XXXX  '' it turns out that " PHH Mortgage '' did provide wrong property address to XXXX for Tax records assistance, The address where your below tax payments was going to " XXXX XXXX XXXX  XXXX XXXX, NY XXXX '', instead to my property address is " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', XXXX We will file a complaint TODAY with the CFPB for this error
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I requested XXXX XXXX  XXXX XXXX benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from XXXX XXXX XXXX attempting to collect the debt. I contacted Capital One to inquire about the debt and was told my XXXX request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from Capital One denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.
Consumer complaint received 2019-07-01
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: Receivables Management Partners, LLC (TX)

XXXX is reporting a duplicate collection in the amount of {$140.00} for the RMP SERVICES LLC partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.
Consumer complaint received 2017-08-24
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: ENCORE CAPITAL GROUP INC. (MA)

Midland did not respond to my dispute in a timely manner and they have failed to provide evidence that the account is mine. The policy per their website " Per our policy, we stop credit reporting on accounts that are more than two years past the date of delinquency ''. 

My account is over 2 yrs old and they are still reporting it.
Consumer complaint received 2022-01-27
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. (NC)

XX/XX/2022 To Experian : I have been requested to upload proof of Identification for you remove the Fraud Alert under my Credit Profile. 
Since your POS uploading service via your garbage website does not work, I will send in a complaint to get it done! 



Personal statement ( XXXX ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Is requested to be removed and deleted immediately! 

Thank you, -David