davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC (OR)

I don't recall having a contractual relationship with this collection company ELITE RCVY GRP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-08-28
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

This is in regard to late payment notices sent to all three CBRA 's by FIFSG. Please remove those notices. FIFSG claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA EDD which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In Accordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX Acct # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Municipal Collections of America Inc. (PA)

The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.
Consumer complaint received 2015-12-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CURO Intermediate Holdings (AL)

I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-08
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (TX)

I ( a natural person ) was issued a false debt by EDFINANCIAL in the amounts of {$2400.00} and {$4400.00}. I contested with EDFINANCIAL asking to provide me the original instrument. EDFINANCIAL failed to provided me this instrument. I was sent a letter which I uploaded alongside this complaint. EDFINANCIAL has also been reporting late payments during these most stressful and uncertain times of XXXX between XXXX. These accusations have caused a negative effect on my credit worthiness and a great deal of stress. I am a consumer who only wants to ensure my financial matters are in fact valid but why would I pay an alleged debt? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wallet was stolen on XX/XX/11. I tried to call Bank of America credit card and when I put in my social security number I received an automated message that I now have a new credit card servicer and no longer have an account with Bank of America and I should refer to the letter that sent in the mail. I never received a letter. So I can't close my stolen card. Even worse, I don't even know who my new card servicer is to cancel that. There is no information on line and I can't get through to customer service for Bank of America because I am no longer recognizable. I don't really know what do here. Please help me out. 
Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Ive sent equifax several documents to update my address for months and sent all the proof I needed and they still wont update my address to the correct address also I have not been able to access my online account in months they have failed to give me access when I told them I believe that my online account is being compromised by my ex boyfriend my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX My ssi # XXXX
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

On XX/XX/2022, two refunds were posted to my debit card ending in XXXX for the amounts of {$270.00} and {$86.00} from XXXX. The account was closed prior to the insurance of the refund. These amounts would have left a positive amount on my account. Lastly, XXXX verified that Key Bank accepted these refunds and they were successfully deposited.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 2022-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NV)

I am constantly contacting AES Loan Servicing in regards to the fact that I can not fill out the forms I need to fill out to get my IBR plan on track or send in my recertification. Everytime I try to log into my account on the student aid.gov they can not confirm my social security number. It states on the web page it takes 1 to 3 days to confirm, This has been over a year. I am limited to access on my account due to this. The interest on my loans have doubled my loan amount. I dont even know how I got bamboozled into consolidating my loans with this company purely a rip off! How can they continue to report me to credit bureaus when they cant even verify who I am!

Your information is still being verified by the Social Security Administration. This process usually takes one to three days. If you provided an email address when you created your account, we'll you an email confirmation once your information is verified. XX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. My financial life has been ruined due to this situation. 

I was not actually late. There was a third-party company that was supposed to make the payment on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. I sent Nordstrom proof of bank error, but they disregarded it and didnt remove late.

I am requesting Nordstrom to correct the late payment. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 
I really hope you can deeply research this case and take a fair decision. 

Account information : NORDSTROM/TD BANK USA XXXX, opened on XX/XX/XXXX, highest balance {$9700.00}. 

Thank you.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

For almost two years I have been attempting to make payments on my mortgage with no assistance. I did a Forbearance for Covid in XXXX  and negotiated a new contract and payments. That company was bought out and since then my mortgage has been a mess. I had sent in the first payment and attempted the second payment when the money was sent back to me. I renegotiated a new deal with Truist and began to make payments. They informed me it would not be official until i signed the deal and mailed back to them. I agreed to this however never received the new deal. After months of calling and searching for it but still making payments they sent me all the money back because it didn't catch me up. When speaking with a rep they said there was an error and best way to fix is to do the forbearance again and restart the process with them. I filed for that to happen and once again never received in the mail the new contract. Was informed could have it emailed to me in which i would print it off, sign, and mail in. This never was sent to me either and when calling I speak to a new person each time who has to review my notes. Multiple times while reviewing and placing me on hold they have hung up and not called back. In this time I have received foreclosure notices, annual statements, and late fees in the mail. The stress and uncertainty this company has put me through during this time is unjust and should not be this hard to resolve with someone willing and looking to pay. I attempted to refinance with another company but said when they called it couldn't be found because it was in a limbo of sorts. Now it is showing up on my credit report and affecting me in many negative ways. This has put a pause on my life and my families. I have attached only a handful of items as proof of the misconduct this company has performed
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Red Mortgage, Inc. (CO)

We closed on a XXXX mortgage ( as a refinance ), brokered by Forward Lending, dba Sage Mortgage. The day of our closing, we were informed we needed {$14000.00} cash to close. We contacted XXXX XXXX, our broker at Sage, and pointed out this was based on an old balance due from our original lender. He assured us we would receive a refund of the overpayment, so we moved forward with the closing and issued a check for {$14000.00}. The loan closed on XXXX XXXX ( XXXX XXXX. XXXX ). 

We then received an updated closing disclosure form from XXXX XXXX, the manager of the Loan Processing and Closing Team, reflecting an accurate cash to close figure of {$9800.00}. So far so good. 

On XX/XX/2022, we received a notice from XXXX XXXX that we would be receiving a refund of only {$66.00}. We reached out to XXXX XXXX the same day, who requested the disclosure used to calculate the refund from XXXX, and promised to follow up once it was received. 

Since then, XXXX XXXX and XXXX XXXX have ignored my calls and emails, and we have received no refund whatsoever. We are requesting a refund of {$4700.00}.
Consumer complaint received 2018-07-10
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. (NY)

To whom it may concern : I have written several certified letters to this XXXX XXXX XXXX. I have certified receipts that they have received my letters, stating for them to send me information concerning this bad debt on my Experian credit report. I have heard nothing! Experian has been disputed 3 times!! and they still keep this false fraudulent information on my credit report. How are they verifying this account? Not by actual doing a investigation, because if Experian did a actual investigation they would see that this is NOT my account! and i want it off now! I am about to take legal action against Experian and this XXXX XXXX  for reporting this nonsense that is fraudulent on my account. I know for a TRUE FACT that this is NOT mine! Below you can see that this is NOT a real company and there is no relevant information on this so called reporting company. I do also know that they haven't sent me anything to validate this account on what XXXX, XXXX or XXXX 's account this is! I do know that It's not XXXX XXXX account ( mine ) and these fraudulent people are not supposed to be reporting this nonsense while in dispute!