davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: CITIBANK, N.A. (FL)

dispute # 1 : There is an inquiry on my XXXX  credit report from XXXX XXXX XXXX inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : cbna inquiry date XXXX national credit card cos. This inquiry also is fraudulent as I did not inquire anything from Citibank North America this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX  consumer report deleted from my XXXX consumer report
Consumer complaint received 2021-08-24
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: On Q Financial (CO)

I recently noticed that our credit had been negatively impacted by 160 points. I contacted On Q Financial ( mortgagee ) and they have told me that this was processed by XXXX ( On Q 's loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by XXXX. At one point, a XXXX from XXXX told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On Q Financial contact XXXX  and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via USPS on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by XXXX on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to XXXX. Since XXXX has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, XXXX has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by XXXX on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during XXXX, I do not believe that a negative credit impact of XXXX points is warranted in this situation. I understand that a mortgage is considered late XXXX day after the due date. Therefore, I'm fine if XXXX wants to charge me a late fee since technically my payment wasn't received by XXXX until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by XXXX. Thank you for your consideration. Regards, XXXX XXXX
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LoanCare bought my mortgage from the previous company XXXX. I was never informed about this transfer. When asked, XXXX was asked about this, they said it went to another address in XXXX that I am completely unfamiliar with and have never been associated with. Despite the fact that I had provided my current address to XXXX. 

Loancare meanwhile, never called to ask about the payment. Instead, Loancare went to the property on two separate occasions and " winterized '' the property without my consent while I was out of town caring for my sick and now recently deceased father. As if that is something you need to do to a property in XXXX in Texas! My car was in the garage with registration as well as bills with my contact information on top of an appliance they " winterized ''. They failed to contact me out of their own negligence. I have now had to pay to get the place " unwinterized '', get the locks changed, etc. At the time they completed this winterization, I had already brought the account current as I proactively reached out to them after noticing my old mortgage had been closed online. This is abhorrent! Who goes into someone's residence twice without contacting the resident? XXXX had all my information and LoanCare did as well, so their lack of record-keeping is unconscionable. They are now trying to bill me for an NSF fee when I can show no payment was ever returned. They can't keep their bills or contact information accurate, how can they maintain their business licenses? They obviously abuse the public trust.
Consumer complaint received 2022-03-26
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: FIRST INTERSTATE BANCSYSTEM, INC. (ND)

I have hard inquires on my credit report that are not mine. These are the companies reporting false information XXXX XXXX XXXX First Interstate Bank XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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: OneMain Finance Corporation (GA)

The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Consumer complaint received 2021-06-14
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: CITIBANK, N.A. (FL)

While checking my credit report, I notice an account from MACYS DSNB that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that MACYS DSNB is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

This letter is a formal complaint against CREDIT COLL ( Original Creditor : XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, payment history as it not appear in the report and payment status.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX AZ XXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I have paid this off in full and provided the company with the wire information but they put this account in collections and continue to contact me. This is illegal. They have not provided anything saying this debt is still a debt. It was paid in full and proof was provided. What theyre doing is illegal They tried to to collect charges in addition to the debt unless they are allowed by the contract or state law Communicate with you about a debt by postcard Use any language or symbol on an envelope for correspondence with you ( other than its address ) that indicates it is a debt collector Tip : Keep good records of your communications with a debt collector. 


This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.
Consumer complaint received 2018-09-16
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: SYNCHRONY FINANCIAL (KS)

I'm still being reported negatively to XXXX & XXXX Credit Bureaus ; $ XXXX+ Continued Membership, Late, & Missed Charges still are not refunded to my account, 5+ months later. XXXX was the guilty ones to charge my account for a second month, when I cancelled my account XXXX-18, 2+ days before statement for next month was processed. Many emails, with documentation, have been sent/faxed to dispute wrongful charges. 
Please send me your email address ; I'm not able to upload email documentation at this time.
Consumer complaint received 2023-06-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (MD)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Here are the remaining accounts : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXXXXXX Balance : {$800.00}
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act 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 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 2021-12-09
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: WELLS FARGO & COMPANY (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (WA)

I am an XXXX XXXX Military Service Member and I had a 2 year contract with XXXX XXXX XXXX for TV and Internet services. I received military orders to leave XXXX, CA where I was currently stationed and deploy to XXXX XXXX for a new assignment. So I canceled my services on or around XX/XX/XXXX2017, and at first XXXX XXXX XXXX wanted to charge an early termination fee of {$260.00}, but after talking with the representative for a while on the phone, she verbally agreed to waive the charge due to military orders as long as I sent the equipment back. I sent the equipment back and then received another email on XX/XX/XXXX2017 stating that I owed {$350.00} for my last bill plus the early termination fee that initially they told me they would waive. So I called them ; after talking with the representative for a while we agreed that I would only pay the final bill, and not the early termination fee. However, they proceeded to send the remaining {$260.00} early termination fee to a debt collector ( Diversified Consultant ). Once I returned from overseas they were able to get my phone number and I spoke with the debt collector. I explained the situation and told her that it was mistake and that because they agreed to waive the fee ; I would not pay it. She told me if I don't pay the fee that I would never be able to get a loan again because they attempt to degrade my credit. Due to the fact that I can not control when I come down on orders, and they agreed to waive the fee exactly for that reason, I'm disputing this debt and believe that I should be relieved of it. They have succeeded in degrading my XX/XX/XXXX credit report with repeated negative inquiries. It would be so easy for me to pay it off but a deal is a deal. Also XXXX XXXX XXXX has been trying to collect the same debt but I have not heard from them verbally or in writing. Combined they have submitted 10 different inquiries to the credit bureaus for the same fee over the last year. I have attached 4 of them below.
Consumer complaint received 2024-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC (TX)

On XX/XX/XXXX at XXXX, I received a text message from XXXX that stated : Your past due account has been red flagged to be reviewed by our legal network for possible lawsuit.To resolve voluntarily on your own behalf and avoid further action call XXXX Send STOP to opt out. Theres no info provided about who is texting or what company is trying to send an account to their legal network. On XX/XX/XXXX at XXXX, I called the phone number provided. The first time no one answered, so I called again and got in contact with XXXX who said they were a debt collection agency named Structured Settlement on behalf of XXXX XXXX XXXX He then transferred me to XXXX with the Insufficient Funds Department. Her phone number is XXXX ext XXXX. XXXX was IMMEDIATELY hostile the moment I began asking questions. I simply did not recall the information or interaction with the company and was asking for clarification and additional information. She immediately began grilling into me and yelling at me asking why would I admit to the debt and set up a payment plan with them in XX/XX/XXXX and the payment came back as insufficient funds. And when I asked for a debt validation letter she yelled at me and said, Go look at your credit report, thats your debt validation letter. 
After some back and forth, I decided to set up another payment plan, because XXXX claimed that my account was going to be forwarded and I would be sued for the debt tomorrow XX/XX/XXXX. Under the FCRA, I am entitled to the information I asked for and I was refused. And I still do not recall ever interacting with this company for debt collection.
Consumer complaint received 2019-06-21
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. (OH)

Equifax XXXX  and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy Cant Validate loan.  Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX- recalled debt *XXXX XXXX   recalles debt XXXX XXXX- couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.
Consumer complaint received 2022-03-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NJ)

The company AR Resources Inc placed a collection on my file after it has been deleted due to identify fraud. I sent a letter requesting the account to be validated, with proof of my signature on a contract or agreement. The company just recently posted a charge of {$2000.00}.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credence Resource Management, LLC (GA)

Credence Resource Management Collection Services is on my XXXX  credit report, while having my account frozen. I canceled my services with att on XX/XX/year> and started making payments in XXXX, XXXX. I am still making payments. Credence Resource Management Collection Services has violated all my rights as a consumer.
Consumer complaint received 2021-12-09
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.