davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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: Sunbit, Inc. (TX)

On XX/XX/XXXX I made a {$230.00} payment to SUNBIT and it was to pay it off in full and it never was added to the account and I made purchase after that and I looked at the amount due on the XXXX of XXXX and the rep said I should not be able to pay XXXX dollars it should be {$100.00} total payoff and I made purchase on the XXXX of XXXX and it said I still owed the same amount and I frauded a charge out they close the account and never issued the amount back after they closed the card and issued another one and I added all up the transaction today XX/XX/XXXX and I should only owe {$250.00} not {$300.00}
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (IN)

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.
Consumer complaint received 2019-03-25
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. (LA)

I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.
Consumer complaint received 2019-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. Equifax score of XXXX, XXXX  score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RMS-Recovery Management Services, Inc. (TX)

I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived. 
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The company XXXX XXXX  is XXXX reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX # - XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX 2020 you reported that my transaction was 30 days late. 
XXXX 2020 you reported that my transaction was 30 days late. 
XXXX 2020 you reported my transaction was 60 days late. 
XXXX 2020 you reported my transaction was 90 days late. 
XXXX 2020 you reported my transaction was 120 days late. 
XXXX 2020 you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.
Consumer complaint received 2022-06-16
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 was reviewing my Transunion credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-30
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. (TX)

XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT TRANSUNION, XXXX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

In 2014, I returned the equipment from XXXX XXXX XXXX using the pre-paid label through XXXX. I took the package to the XXXX store and drop it off. The representative at the store said I was all set and I left the building. I thought the matter was resolved after that. I have made multiple calls to XXXX XXXX XXXX at the beginning when they continued sending the bill for a balance I did not owe because of equipment. I told them that the equipment had been drop at the XXXX store. Then the account was sent to IC System collections, where I have spoke to different representatives and filed disputes.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC (VA)

The company auto track is incorrectly filing information to the credit bureaus to try to stay on my credit file longer than they should be. I have went to court for this case and the court document show that I owe them nothing. The company actually put invalid information on my car so that my loan amount can be bigger than what the actual car is worth I had a base model vehicle and they made it a top line to sell it for more. This has been settled through two of the three credit bureaus and staying stuck on one because they are providing false information
Consumer complaint received 2022-08-25
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. (TX)

There seems to be previously blocked fraudulent accounts reinserted on my credit file Per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CA)

XXXX XXXX XXXX opened a new collection account in XX/XX/XXXX after I gave them XX/XX/XXXX bankruptcy information, by phone when they called my employer, in XX/XX/XXXX. This account was collection for an account included in XX/XX/XXXXbankruptcy. This account should be DELETED as a post-bankruptcy collection has significantly affected my credit score. I sent an email to the XXXX  on XX/XX/XXXX. I sent a fax to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX. Representative XXXX put me on hold then disconnected me. On XX/XX/XXXX, I again called XXXX and was transferred to the voicemail of an unknown person. I left a message. I have yet to receive a response from XXXX. I am attempting to refinance my auto loan and this incorrect collection account has caused a significant delay. Post-bankruptcy collection is definitely a negative impact and a violation of Federal Bankruptcy laws.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

I took out a loan during some financial difficulties back in 2016. At the time I didnt know about interest rates or the length of loan terms. I had been paying this loan for over four years and hadnt even scratched the interest. I know now that it was predatory the amount of interest I was paying on the loan. It got way too expensive so I stopped paying. Since then I received phone calls and voice mails about threatening to put it on my credit despite FCRA guidelines that protect military service members. They have since added it to my credit and it has drastically affected it. A third party is now trying to collect on it and continue to report it on my credit, which has vastly affected my credit in a negative way.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX My student loan was being serviced by XXXX soon after moving to NYC I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX  student loan this is around XX/XX/XXXX I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (MA)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My complaint is that I worked at a university for 25 years. During that time I took student loans and attended classes. I was a single mother of XXXX  and the loans helped a great deal and I had hopes of finishing my XXXX XXXX. My children XXXX  had XXXX XXXX and they had to become my priority and dropping out of school was the only option. I made monthly payments for years and when I ran into financial problems I tried to get the payments reduced. XXXX XXXX income driven monthly payments were too high and I finally gave up trying. I am now XXXX years old and still owe student loans.
Consumer complaint received 2018-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

I recently applied for a home equity loan and during a title search found an error from a previous lender. 

I refinanced a first mortgage and home equity line of credit with GMAC in XX/XX/XXXX. Both the first mortgage and home equity were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, GMAC submitted a lien for the home equity which had been satisfied. I am having trouble receiving a satisfaction letter to remove the lien because GMAC is no longer in business.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Received Escrow Account Disclosure Statement via mail on XX/XX/2018 for tax and insurance payments. Based on their analysis a have a shortage of {$1500.00}. Therefore, my monthly payment was increase. 
I regularly paid my monthly mortgage payments and I pay extra amount for the principal balance. The company did not apply my payment to the mortgage.The money they received was placed in suspended accounts. They are asking for escrow account and charging me with late charges. 
My note during the closing of the mortgage does not require to have an escrow account for the taxes and insurance premium because it was agreed that I will be responsible for paying for it.Since that time I am the one who paid the taxes and property insurance. 
I called several times and spoke to customer service with out result.On XX/XX/18 I spoke to XXXX specifically. I wrote them letters but still no result. I still received statements stating that my account is past due.
Consumer complaint received 2023-04-10
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)

Im accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

Security Credit Services located at XXXX XXXX XXXX , XXXX, MS XXXX Phone ( XXXX ) XXXX Email XXXX XXXX XXXX XXXX, XXXX, MS XXXX has not deleted the collection debt they said I owe, this was a result of someone opened a fraudulent line of credit. I reported to the 3 credit bureaus and they refuse to delete this causing me to not been able to refinance my home. The account is open and has not been deleted from my credit reports.

amount they said I owe is {$1200.00} Notes from credit bureaus ; " Account information disputed by consumer, meets FCRA requirements ''
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is in a transitional period transferring from visa credit cards to XXXX credit cards. A bill pay payment that was made through my Wells Fargo checking account dated on XX/XX/XXXX for {$2500.00} was sent to Wells Fargo visa. I noticed that my credit card did not reflect this payment and cold Wells Fargo on XX/XX/XXXX and reported problem. The next day I stopped at a branch in XXXX FL Florida and followed up to make sure they were working on applying the payment. This situation is not disputed from Wells Fargo, but they seem to be unable to apply the payment to the transitioned visa card that is now a XXXX. As of today XX/XX/XXXX, I still am not showing any payment. As I've reiterated to them, I consider this payment either lost or stolen if it does not show up on my account. Have spoken to a dozen different people from all levels of management and all they ever say is we have made the request to get the payment applied. I have already been charged late fees and financial charges that Wells Fargo has committed that they will remove any financial charge associated with this problem. With the amount of time that has gone by I request an investigation into the problems with Wells Fargo.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (FL)

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX XXXXXXXX, and Experian does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.