davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MO)

The number has been calling me for weeks. When I answer they ask to speak to me. Then ask mw to verify my birthday. They never tell me who they are and why they are calling before. They told me the amount of the debt. Which is XXXX dollars more then what o owe. I asked them why they said they would reach out to the complex and ask why. I asked for a break down. I told them I was not paying more than what I owed. 2 reps told me they would send the break down or billing I have yet to recieve either.
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''
Consumer complaint received 2020-11-09
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (PA)

The Summons and Complaint fail to meet the requirements of New York State Banking Law, Rules of the Courts of New York State, and other applicable laws, rules and regulations relating to residential foreclosures. 
That the bank paid the contractor for work it had not performed which the deceased repeatedly advised the bank of and, as a result of this failure the deceased caught on fire due to the contractor 's failure to upgrade the electrics as agreed in the reverse mortgage. 
That as a result of this electrical fire, the decease and her heirs suffered emotional and financial harm which may be permanent in nature. 
Despite the fact that the deceased, XXXX XXXX XXXX, made every effort to comply with the agreement regarding the repairs and the placement of funds in escrow, the plaintiffs are attempting to foreclose on the mortgage to collect the sum of {$430000.00} plus additional fees and costs from the deceaseds heirs and deprive them of the use and enjoyment of their home while still withholding the current contractors fees needed for the completion of the repairs on their home which the initial lender and its predecessor have held in escrow for over three years. Moreover, many of the required repairs which were caused by the contractor, XXXX XXXX XXXX XXXX who the Lender immediately paid without inspecting the property before making this payment, and in spite of XXXX XXXX XXXX XXXX failure to properly repair and complete the required repairs which were noted in the contract between the deceased, XXXX XXXX XXXX XXXX and the Lender. Furthermore, the Lender is still holding funds that were placed in escrow for the deceased to receive upon her signing the agreement with the plaintiffs predecessors in XXXX of XXXX. That the bank also failed to pay the deceased the money agreed upon in the reverse mortgage and without justification. 
That the bank improperly failed to inspect the work of the contractor in spite of several complaints by the deceased 's daughters that the work had not been completed or properly done even after acknowledging that it had been made aware of these matters by the deceased 's daughters. 
That the bank 's claims violated NYS and federal laws regarding usury and the Fair Debt Collection Act. 
That the bank continues to add illegal and inappropriate fees to the balance of the reverse mortgage. 
The bank also violates the Consumer Fraud Acts.

The bank violated its agreement with the decease once it failed to pay her the agreed amount ; to inspect the work of the contractor prior to cutting the check ; and by failing to direct the contractor to complete and to do the agreed upon work pursuant to the reverse mortgage agreement. 

Finally, XXXX sold the mortgage to RMS Mortgage on XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing in reference to my XXXX XXXX Account, I was a wireless customer for 9 years with your company until it became extremely expensive to maintain so I switch services to a competitor for far less money and more savings. I ported my phone to my new provider in which I paid the amount leftover and I had no idea that I would still have a balance due. I have explained to the collections team my account was sold to that I was not able to due financial difficulties, in XXXX of XXXX XXXX 's XXXXXXXX XXXX XXXX XXXXXXXX reported my account to the credit bureaus before I had a chance to pay and I sent a stipulation with the agreed amount of {$94.00} to be paid in full along with being removed off my credit report due to the collections being accurately reported and I understand that but I have been homeless along with unemployed for almost two years. I was denied unemployment along with no financial assistance from my family as they cut ties with me for being XXXX and my so called friends wanted me as a wallet only. I have been evicted from my home, lost my car, sleeping on street corners, shelters, motels with vouchers and vacant places so I can shower daily. I have a vast understanding of how the credit system works but I have no assistance, I have not had steady income or employment since XXXX of XXXX, I have worked since I was XXXX XXXX XXXX and now I am struggling with my mental health along my finances. I have never asked for anything but I am asking that XXXX IMMEDIATELY removes this ACCOUNT from my credit reports immediately and/OR THOSE XXXXXXXX XXXX XXXX XXXX WILL ALSO PAY ME {$150000.00}! OR THEY WILL XXXX SUED!!!
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I wrote and mailed Experian asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office
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: EQUIFAX, INC. (NC)

On XX/XX/2023 XXXX XXXX XXXX XXXX  account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXX XXXX. Please reference the attached document from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX  which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.
Consumer complaint received 2020-11-09
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. (ID)

My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not mine
Consumer complaint received 2019-04-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (OH)

I received a letter from Radius dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at Radius. I do Not owe this debt and certainly would not agree to pay it. XXXX XXXX was the original creditor of this debt and XXXX XXXX has been deleted from my credit report. XXXX XXXX changed their name to XXXX. All XXXX accounts have been removed from my credit report because the were XXXX XXXX. XXXX sold this debt to Radius during the time I had a complaint with the CFPB against them.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

During the months, XX/XX/XXXX and XX/XX/2016, I attempted to make the payments on my secured credit card and was unable to due to the processing system being able to use my cards account number which was the only way I was allowed to pay at the time. The debit card I used to pay my bill with was a prepaid debit card and was not accepted. I didn't have problems with paying my bill before this time of incident. 

I had contacted capital one customer service multiple times to try to resolve the issue and was spoke to rudely by the customer service representative. As I was speaking, I was cut off multiple times while trying to explain the problem I was having with my debit card at the time of payment.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.
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. (MD)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance : {$230.00}, XXXX  XXXX Balance : {$2300.00}
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account. 

In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me. 

According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
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. (TN)

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

PennyMac mortgage company does not offer functionality for their customers to make their mortgage payment from two accounts. I've asked repeatedly why this can not be done and their only response is they don't accept partial payments. I've explained we are not making a partial payment, we are paying the full payment just out of two accounts since we share responsibility in the monthly payment. Their automated system/internet system are preset to not allow consumers the option to make the full payment from different account information. You are forced to make payments over the phone with a rep with a resulting fee. This seems like an unfair practice to just make an additional fee ; the options available should be the same at all touch points for the customer. 

In addition they will take excess for escrow and still advise that your payment is increasing to cover escrow cost. If a consumer pays the difference due to avoid an increase in payment ; why is the monthly payment still increased. When asked, they can't answer ; state that's just how it is.