davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (WV)

Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.
Consumer complaint received 2018-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.
Consumer complaint received 2018-04-16
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. (FL)

I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.
Consumer complaint received 2022-05-04
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. (GA)

XXXX, EXPERIAN, XXXX, and XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and Experian all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is required per FCRA.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc. (ME)

I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX   costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

My auto loan has been refinanced and I submitted a Gap cancellation request to the Gap insurance provider. The cancellation has been processed and the refund check was issued to XXXX XXXX. I have called Customer Service multiple times but no one can confirm when I receive the refund check of my Gap insurance premium.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NC)

Dear Sir/Madam, I would like to bring to your attention the following ; I have a mortgage loan which was acquired by the Statebridge Company from XXXX XXXX a few years ago. While with XXXX XXXX I have incurred some late fees. These fees were transferred in this acquisition to the Statebridge Company, but not incurred while with the Statebridge Company. I have NEVER incurred late fees while with the Statebridge Company. Recently, I have noticed in my billing statements, a notice stating that my mortgage payments will not be applied to my principle amount until those late fees are paid up to date. I never agreed nor signed anything giving the Statebridge Company permission to do this. I find this unacceptable since monies not being applied to my principle causes the Statebridge Company to gain more interest, since interest is compounded on its principle amount daily. I have had to write several complaints about the Statebridge Company so, I did a search and saw several others had similar complaints with Statebridge in the past. While I understand that the Statebridge Company would like to collect those fees at its earliest, I dont understand how they feel they can rewrite or churn my loan agreement at their convenience. Therefore, I will be sending out several letters to several entities as to this practice from the Statebridge Company. Please look into this and let me know of your findings. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I disputed a {$32000.00} on my Experian report that was submitted by XXXX XXXX. Experian did not investigate properly and concluded that item should remain on my report. I have no business with XXXX XXXX. I understand they bought the debt from a bank in XXXX. This bank XXXX XXXX XXXX has provided a fictitious amount. Also before now this bank has harassed and threatened my though phone and email. I did not incur such debt XXXX XXXX  stole my information and send a fictitious amount to experian from a foreign company and they put in my account without investigation. I had written to XXXX XXXX  and disputed this debt and they said nothing for over 1 years and came back to post this on my report in experian
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I attempted to purchase a mattress  on XX/XX/XXXX. I was told I would receive the mattress within two weeks of the purchase date but it never arrived. I was told I would not have to pay a restocking or cancellation fee if I did not want the mattress. The salesman and manger both told me this and that portion of the contract was x'ed out on the contract I signed. It is clearly visible. I have tried disputing it but Synchrony will not review the documents. They are just taking the merchants word for it. I have also been harrassed while disputing the charge via text messages and phone calls starting on XX/XX/XXXX. I just received the dispute letter on XX/XX/XXXX. Postage date is XX/XX/XXXX. They started harassing me before they even sent the letter. I feel that Ashley 's Furniture is lying to their customers and using unethical business practices to obtain money for items a customer never receives and Synchrony is allowing them to do so by siding with the merchant and not reviewing the documents. I want the XXXX $ charge removed from my account and I do not want this to happen to other people.
Consumer complaint received 2019-03-20
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: Grant & Weber (CA)

I contacted Grant & Weber collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX XXXX department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a sist removed from my neck. ( See attached Document from XXXX XXXXXXXX XXXX ) I have never had any procedure to my neck. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX  and XXXX XXXX removed it immediately, but XXXX left it on. I have disputed this three time with XXXX  since, and XXXX continues to let Grant & Weber collections dictate the outcome despite the letter from XXXX XXXX XXXX. Can you please help me to remove this item off XXXX Credit Report? 


Thank you for your consideration,
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management Services has continued to give me conflicting stories on why an analysis of my escrow account has increased my monthly payment. Additionally, Rushmore failed to have the proper documentation on file causing my taxes to go delinquent. They stated to me that they had the wrong parcel number causing my taxes to go delinquent. Rushmore failed to notify me of their errors verbally or written and in the meanwhile, I've received dozens of letters from private organizations offering to help me with delinquent taxes. In talking with Rushmore, they are blaming XXXX XXXX XXXX and not taking ownership. After speaking with a lady named XXXX on XX/XX/2018 and not receiving a call as agreed upon on XX/XX/2018 or a letter in the mail, I spoke with a lady named XXXX who informed me my monthly payment was going to go up 41 % based on Rushmore mistakes. This is unacceptable and I should not have to bear the mistakes Rushmore has made. This is totally unacceptable and Rushmore should be held accountable for very, very shady business and ethical practices.
Consumer complaint received 2022-05-04
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. (CA)

On XXXX XXXX, Equifax sent my credit report ( Confirmation No. XXXX ), confirming that two inquiries from XXXX XXXX XXXX XXXX and XXXX, have been deleted. Copies of credit reports have been uploaded. 

I have sent several letters, but, have not received any response, and the two inquiries are still reporting on my credit report, which do not belong to me.
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (AZ)

A written request to validate debt in the amount of {$4000.00} was mailed and/or faxed to Medicredit on behalf of the original creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX. Medicredit was unresponsive to the request and no documentation in its original form has been provided to validate debt owed. 

This debt was last reported to XXXX XX/XX/XXXX. A follow-up request to validate debt in effort to remove from credit report was mailed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company remains unresponsive.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear CFPB, There are two Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information. 

They are XXXX XXXX with an open date of XX/XX/XXXX and XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported. 

Last year, I contacted the three Credit Reporting Agencies about these collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported. 

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these erroneous collection reports removed from my three credit reports? 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MT)

I recently reviewed my credit report and I observed that XXXX  XXXX  are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc. (KY)

( Credit Clearing House Of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$200.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

It has been over 75 days since I have applied for a construction loan with First National Bank. After providing all of the required documents, I received a preliminary approval for my construction loan. After getting pre-approved, I provided my construction drawings and after receiving an appraisal - I was given the green light to move forward since the appraisal came significantly higher than the total loan amount. In every communication with my loan officer, I and my husband either met or exceeded the criteria for Loan-To-Value, appraisal value, credit scores and assets. Due to a change in staffing, I was required to explain large financial transfers in my banking account in the form of a letter. In this letter I explained my surrogacy costs and personal future plans to explain my current financial situation. After revealing this information I was denied for a " layered risk '' and then told that the denial shouldn't have gone out to me. Like many families, I am including my parents as an co-signer because they have plans to move in with me. I have included an elevator in my home for that reason and like many XXXX families - the plan is to all live together in our home. As of the date of the submission, my loan still has not been adjudicated and I continue to incur costs because of the construction delays. I am concerned that the reason for the delay is discrimination based on sexual orientation and ethnicity since the underwriters have not been able to articulate to my loan officer why the loan isn't being pushed forward. I have been told time and time again that I meet all the criteria for the loan.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

Per the letter I received from XXXX if I didn't pay my final bill they would automatically withdraw {$600.00} out of my account. They withdrew {$600.00} on XX/XX/2018 from my credit card. I am disputing the posting of the collection account on my credit report by XXXX XXXX. I would like for them to remove this account from my credit report due to the fact they had no legal reason to report the debt nor did they own the debit and the debt was paid to the original creditor ( XXXX ).
Consumer complaint received 2019-03-20
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. (CA)

I am very disappointed with the companies XXXX and Transunion. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and XXXX  and Transunion refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that XXXX AND TRANSUNION understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting XXXX and transunion to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.