davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-07-29
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. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (IL)

I had an account with an XXXX XXXX card ending in XXXX for a settlement to close the account if I pay {$200.00} on XX/XX/XXXX, by XX/XX/XXXX. I paid on XX/XX/XXXX and it was confirmed at that time it was settled and closed. However, this company keeps calling me, texting me, and emailing me that a payment is due. I called on XX/XX/XXXX, at approximately XXXX XXXX. To let them know that I do not want any more correspondence from you due to the settlement. The agent highlighted they can not promise that. 

Settlement message on XX/XX/XXXX : Pay {$200.00} to settle your account in full. 
Thats 65 % off your total balance of {$570.00}. 
This is a limited-time offer. 
You must call and have your payment post by : XXXX Correspondence email on XX/XX/XXXX : XXXX, Your payment for your Account is due on XX/XX/XXXX. Visit XXXX to review your Account and make a payment. 
Making a Payment is XXXX XXXX : XXXX By phone : Call XXXX and have your Account number ready. 
By check : Please mail your check at least XXXX calendar days before your due date and make your check payable to XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-07-29
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: National Credit Adjusters, LLC (NC)

This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from NCA as well as XXXX XXXX, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and XXXX was the original loan holder.
Consumer complaint received 2017-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
Consumer complaint received 2022-06-16
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. (FL)

N accordance with the fair credit reporting act Department XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-12
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. (TX)

I have received the attached simple reply from XXXX XXXX reflecting an investigation which they found no signs of fraud. Under FCRA requirements, how can the credit bureaus verify the consumers disputed accuracy of credit records they maintain when XXXX XXXX doesnt supply details and explanation of their investigation? PLEASE DO NOT RUSH TO GET RID OF THIS COMPLAINT AND CAREFULLY READ THE FOLLOWING TO PERFORM A PROPER AND ACCURATE INVESTIGATION. I had two XXXX XXXX cards stolen ending in XXXX and XXXX in XX/XX/XXXX. One year after theft, I received the attached letters on XX/XX/XXXX stating my dispute has been resolved in my favor without any explanation and cards were credited. Then on XX/XX/XXXX, I received the attached stating there was incorrect information and the account ending in XXXX was removed from my credit report again without any explanation. The account ending in XXXX should also be deleted. Children in high school can clearly see the inconsistencies and lack of organization skills.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

This is a XXXX account that i have no knowledge of. Diversified consultant now has this account i have sent letters via certified mail to formally dispute claim and ask for validation that is competent evidence bearing my signature showing that i have or ever had some contractual obligation to sprint which was signed for on XX/XX/19 and a second letter sign for on XX/XX/19 by diversified consultant. As a result this debt is listed on my credit report 's
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX ). My contract with XXXX XXXX was then cancelled. Experian Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Experian to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Experian still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Consumer complaint received 2020-07-29
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. (MN)

I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX Report.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

XXXX University XXXX had sign the Master Promissory Notes on XX/XX/XXXX and XX/XX/XXXX when I was not enrolled in their school at that time frame and took out eight loans without my knowledge four loans on XX/XX/XXXX XXXX and {$2900.00} that was split into XXXX XXXX that had continued on with four more loans on XX/XX/XXXX {$17000.00} and {$2900.00}. The school kept the money.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MO)

XX/XX/XXXX, XXXX issued three refunds. The refunds were for amounts {$160.00}, {$93.00}, and {$46.00}. 

These refunds never posted into my Chime Checking Account. 

On XX/XX/XXXX, with help from support. I initated three different chargeback disputes. One for each refund. With each dispute I added multiple forms of XXXX claiming to have sent the refund. This includes chat logs with regular agents, supervisors, account specialists, and payment specialist, and emails from both customer service and Executive Customer Relations. All the specifically declare the refund was sent on XX/XX/XXXX. 

XX/XX/XXXX, My dispute were declined for unspecified reasons. When I requested the documentation and reason behind their decision I was met with silence. They did provide a ticket number for the issue being unsolved.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-15
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. (NC)

XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NC)

sunrise credit services has called me at least 3 times a day from various numbers since XXXX. I answered and asked them to send me a letter of what this debt is they are calling for a they refuse to send any letter verifying the debt. I have also requested multiple times for a cease on calls. This has not stopped and if anything has become worst. The company calls from multiple different numbers and request that you verify multiple pieces of information without ever stating they are calling for a debt. This company is harassing without allowing you to verify the debt at all. attached are the multiple numbers and the amount of calls I have received from them
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

In 2021, I have updated my phone number and placed a ID alert on my social security number. When I inquired about my credit report the phone number is wrong and therefore I am not notified when there is an new account opened in my name. I have alerted all of the credit bureaus however the information remains unchanged. I have been denied various services because of this including housing and employment because of this mix-up. I have been following in my local community from people that think I am committing fraud. Please help me resolve this issues with the credit bureaus.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MA)

I have contacted Wakefield and Associates by phone and an email was send on XX/XX/2020 and XX/XX/2020 to XXXX XXXX at XXXX The following statement was provided. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at a company you represent for collection. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Wakefield and Associates absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, XXXX Police Report number XXXX Information, and Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
______________________________________________________________ At the moment no response has been received from the debt collector agency but the charges keep getting updated in multiple credit report agencies.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Please refer to all attached documents for details. A letter was received by me from XXXX XXXX informing me my loan with Mr. Cooper was sold to them. A second letter from Mr.Cooper dba Nationstar Mortgage has notified me that they have transferred the servicing of my mortgage loan to XXXX XXXX. I feel this is discriminatory against consumers with low mortgage balances because when I called a representative at Mr.Cooper and requested that my loan not be transferred to another servicer, I was told unless I refinanced my loan they would not honor my request. Requiring me to refinance my loan as a condition of keeping Mr. Cooper as my servicer is I feel illegal and prejudiced based on my status as a senior and retired. This practice on the part of Mr. Cooper is not doable or practical given my age and situation. My remaining mortgage balance is {$18000.00} as of XX/XX/XXXX and will be paid off in less than 2 years. 
I have always been current on my mortgage loan with Mr. Cooper and my goal is to pay off the loan in about one year as I plan to add additional funds to the principal remaining balance of {$18000.00}. I am requesting that Mr. Cooper reconsider and cancel any transfer to XXXX XXXX for my mortgage loan because this is biased and unfair. Putting me into a position of unnecessary and undue stress with XXXX XXXX is placing me with a company who has numerous complaints with a poor track record on many issues from countless consumers on the internet. Due to runarounds and servicing incompetency of XXXX, they have pushed many consumers to foreclosure causing what others have written as a living nightmare. Numerous violations as well as lawsuits including citing by CFPB and the XXXX XXXX XXXX are documented on the internet. 
My payment for XXXX is now due and I intend to send that payment to Mr. Cooper as I have done in the past. If Mr. Cooper cancels my payment as stated in their letter to me, I should not incur any late fees as this was not my choice. Mr. Cooper states to just send payment to a PO Box with no coupon or letter or anything. Again if CFPB researches others who have complained about XXXX, it indicates lost payments, fees of all kinds, total disorganization, non resolution of numerous issues, etc is typical when loans are transferred. No correspondence has been received from XXXX to date which is further evidence of their lack of competent consumer servicing. I do not wish to be part of their nightmare business and since I have so little time left to pay off my loan, I am requesting Mr. Cooper to continue servicing my loan. Thank you.
Consumer complaint received 2020-02-01
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. (NY)

I noticed an inquiry from XXXX XXXX on Equifax report. I contacted Equifax and informed them that an inquiry was made without knowledge and authorization and I did not do it nor did I approve of it therefore it must be a fraudulent inquiry. They told me to contact XXXX and inform them about the matter. After contacting XXXX 's they told me there is nothing they can do if no account was opened. I then contacted Equifax back to have it removed but they refuse to remove it telling me it's a factual inquiry. I want this fraudulent unauthorised inquiry removed from my credit report.
Consumer complaint received 2024-03-23
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I made a deposit on XXXX for an order from one of their participating companies.. 

The company did not produce the goods in the agreed upon time fame and insisted on a dircet Wire Transfer for the full amount claiming they would refund the Credit Card Deposit. 

I reported the Wire Transfer demands to XXXX and they refused to assist even though a Wire Transfer ouside of the XXXX site violates there terms and they warn agianst it. 

I then filed a Chargeback Request through Chase, my credit card company and they refused the chargeback saying " While you may have a valid complaint ... the transactions are valid ''.