davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (PA)

XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$260.00}, {$150.00}, {$180.00} XXXX Balance {$690.00} 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
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NJ)

My property of XXXX XXXX XXXX XXXXXXXX MD XXXX  was in foreclosure and I was a defendant for Case Number : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I made several calls between the representing XXXX XXXX XXXX XXXX  and the courthouse about the court process and requested documents all without success. In XX/XX/XXXX, I was able to get some information from MD Case Search and saw two affidavits of service file dates ; XX/XX/XXXX and XX/XX/XXXX. My son, XXXX ( XXXX  at the time ), and I were living in the home and didnt receive services. Covid-19 laws were in place to buy me some time since I didnt get any answers from the court clerks. They only referred me to call the representing lawfirm and vice versa. I called the XXXX XXXX XXXX XXXX XXXX and finally decided to sell my home while the market was so high. My house sold on XX/XX/XXXX and the XXXX motioned the case be closed on XX/XX/XXXX. I spoke with XXXX XXXX during and after this process. I wasnt aware foreclosure started as I submitted mediation papers with XXXX XXXX prior. They now state the papers were never received. I spoke to them about the reimbursement of foreclosure costs as well. After the house sold, I received the proof I was requesting all along from the lawfirm. If the sheriff checked photo identification, the address would not have matched the address of service. According to the court filed document, XXXX XXXX signed and accepted the documents to start foreclosure stating he was a resident and his relationship status to me is my son. As I stated earlier, I have XXXX XXXX son and no one else lived with us. Im requesting the fees and court costs be reimbursed to me. Im unable to file any motion to the courts and when I consistently called with questions on what steps to take, I received no assistance.
Consumer complaint received 2019-03-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This debt was included in a amortization of debt. We filed in XX/XX/2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Consumer complaint received 2023-03-27
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: AMERICAN EXPRESS COMPANY (OR)

I bought some brake pads from XXXX XXXX using my Amex. They sent me the wrong thing for my car. When I tried to return them they said I would have to pay the shipping to return. I disputed the purchase on the Amex card. When I did this, they removed the charge of {$36.00}. Then they denied the dispute and added the amount back to the card. I disputed it again. Amex took {$36.00} off again. They denied the dispute again and this time they put {$72.00} on the card -- doubling the charge incorrectly. I called them and tried to tell them that they had made a mistake. One guy I spoke to did not know what to do and hung up on me. I called back again and still got nowhere. They refuse to understand that they incorrectly doubled the charge. I mean {$36.00} - {$36.00} = {$0.00} + {$36.00} - {$36.00} = {$0.00} + XXXX - {$36.00}. Since I could not get them to understand, I just paid the {$36.00} on XX/XX/2023 hoping they would straighten out their terrible math. I had paid the balance in full the month before, so the only amount that should have been charged was the {$36.00}. My balance should have been {$0.00}. Instead, they added a {$29.00} late charge saying I did not pay in the month of XXXX. They have not only assisted XXXX XXXX in committing fraud, now Amex is making up charges on my account. I have had this card for 30 years and I have NEVER paid late. I no longer am doing business with Amex and yet, they keep making up charges on my account. For instance, they were trying to charge me for orders that I cancelled and they knew I cancelled, but they did not take the charges off. Please make them straighten out the doubled charge and make them get rid of the late charge since I paid them in XXXX. There should be no late charge.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

I've had ID theft issues for years and on XX/XX/2019 I received a bill from a XXXX XXXX trying to collect for a XXXX  XXXX XXXX acct witch I had never used before. I called and submitted information to verify that this in fact was not mine but the company decided to sell my acct to another collector. I now show a new collection for this same acct with Sequim Asset Solutions. 1 ) Sequium Asset Solutions for {$1000.00} it looks like the original creditor was XXXX XXXX.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/21, I deposited a check into my Ally Bank Checking Account using the Ally Bank App so that I could get proof of funds to my loan officer and get money into escrow as we just bought a new home. Friday XX/XX/21 I never saw the funds in my account. Usually it shows up right away or next day. I gave Ally Bank a call and they said they could not help me with any funds and that the money I put in the account could not be used until a whole week later! This has to be criminal!!! This is MY money that I need to right away or I can not close on a house and the bank tells me I can not use it! That is just down right wrong. Something needs to be done about this. Now most likely won't get the only home I have ever wanted or ever will want ; my grandmothers old house. Thanks to Ally Bank for potentially ruining my life. What a messed up way to run a business!
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. XXXX XXXX XXXX XXXX : {$1600.00} ; If Experian and XXXX feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (OR)

The total was for {$56.00}. I never received product I paid for, and have yet to receive the product. I will never receive it as I was scammed. I informed my bank (XX/XX/2019 ) of this and was issued provisional funds nearly two weeks after my initial inquiry -- this is the default wait time given for an automatic fund release, meaning it was probably not looked at by anyone, or if it was it took them two weeks to take action. Nearly a month later ( XX/XX/2019 ) I was informed that my bank was " unable to process this claim '' and the money was removed from my account putting me at risk for being over drawn. The given reply implies they didn't accept or refuse the dispute, but that it was simply not processed. I was informed they needed more information, so I called and gave the representative the requested info. I was told no further action was required.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IL)

On XXXX/XXXX/XXXX, I entered a consumer credit transaction with Bridgecrest. XXXX XXXX I came to the site of my car being repossessed in order of the financial institution Bridgecrest. I asked the man taking it to stop, he proceeded in driving as I didnt know who he was. He stopped his vehicle to yell at me, basically breaching my peace. The very day after, I contacted Bridgecrest to be informed that my car was repossessed and charged off as of XX/XX/XXXX. I have made several chances to make it right even before this in XXXX ; I clearly expressed that I have/ had financial hardship and couldnt afford to pay the debt and car maintenance. I further discovered that on top of other violations, Bridgecrest and/or XXXX ( the dealer ) has not ever informed me about my right to rescind. Both parties participated in uniformed use of credit, no adequate notice and violated the law determining my finance charge. I am enforcing my right today with given reasons and notice to Bridgecrest as well. I have also disputed on experian.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (IL)

In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I refinanced my rental home and my loan was sold to XXXX XXXX on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 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 2023-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MS)

I was not notified or verified in accordance with debt via Capitol One. I have no signed anything allowing debt being sold or moved. XXXX XXXXXXXX XXXXXXXX say I owe {$810.00}. I do not know where this number came from. The earliest email I have found says XX/XX/ from a completely different creditor XXXX XXXX XXXX stating the exact same balance. In accordance with the fair credit reporting act ; XXXX XXXX XXXX and Capitol One Bank 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. I want the debt to be cleared from my name and not affect my credit score. This has weighed down my credit for far too long.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/ XXXX
Consumer complaint received 2021-09-23
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Select Portfolio Servicing put a lender required flood policy on my account and will not remove. I have been actively trying to resolve this issue for one month. I have lived in the home for over 6 years, all with mortgages held by various providers, and have never been required to carry flood insurance. Select Portfolio Serving ordered a Standard Flood Hazard Determination Form what came back with flood zone AE. I provided the same form that was completed 2 months earlier during my refinancing that shows the property in flood zone X and flood insurance not required. The form does note that part of the property is in a flood zone, but all structures are not affected and not in the floodplain. This SFHDF is attached. I call Select Portfolio Serving weekly. I can never get the same person and each time I am told flood insurance is required with no further details. Despite trying to resolve the issue before that date insurance was required, I got nowhere with this company. They put lender flood insurance on my account and will not remove it or provide details as to how they are making this determination. My mortgage is being transferred on XXXX and I would like this resolved before the transfer.