davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (NM)

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021.
Consumer complaint received 2019-10-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc. (IN)

Received call from Asset Recovery Associates trying to collect a zombie debt. Debt is 15 years old and have had no communication from loan originator in years. ARA has my personal info and info regarding available credit on cards. Stated had to receive payment that day or they will sue for full amount. Stated they had already sent paperwork to county I live in to move forward with collection and garnish wages. In settlement with government XX/XX/19 they agreed to stop these collection tactics. Obviously they havent.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX SHOWS MY SECOND MONTH AS BEING LATE. I can promise be when I made my first trip augment and it was after the XXXX months it took XXXX time send the first bill and the credit card. I called them and they said since it was an online sue of the card and bill being lost they would not report my credit as a late payment. So nce I saw they didnt d the third month I paid off what was left closed the account. They are perpetrating a crime by falsely reporting the date of the last payment that was either their fault or the US MAIL either way my derogatory remark needs to be removed and replaced showing all payments made on time since nce they told me on their records phone call for security and training that they would not show the payment late.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I missed either XXXX or XX/XX/2018. Payment Chase called me in XXXX of 2018 to pay it. I had 90 days to pay but paid it in 60 days. I also paid the payments that were due when there due was. 

Now Chase is stating 3- months I was 30 days late. Then said I am 90 days late also. 

I am upto date on this this mortgage payment
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.
Consumer complaint received 2023-05-09
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2020-09-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

During the recent hurricane and extreme heat season my home was overwhelmed by a number of electric issues. I care for my XXXX year old mother so extreme heat and ability to refrigerate her medicine is an issue at all times. My electricity went out for a number of days which caused me to have a technician come out to my home. The tech was alarmed to find that my electric wiring was in such a terrible state that he didn't feel safe leaving without doing a major overhaul of the home. The tech claimed that the home was a fire hazard and that any competent inspector would have declined to approve the home for sale in such a state. I explained that home was bought less than 5 years ago and he said the issues would have been terrible for at least a decade. I tried to contact my mortgage company to find out who inspected the home and why they would put my family in this type of danger. Rushmore loan management has refused to provide any info and also has stonewalled my request that I made through legal representation. I feel that as a Veteran the homes that are sold to us should not be a threat to XXXX  us or our family. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management ( MCM ) called this morning at XXXX XXXX I had already sent them a letter pertaining to a XXXX XXXX bill I explained to them my income which is Social Security and I could not afford to pay this bill and they aggressively was trying to pressure me, corner me, and bully me into minimum payments of {$32.00} on the bill, even though I told ( XXXX and her supervisor ) I could not afford it. I was threatened that the debt would not go away ( by female supervisor ) and legal procedures would soon follow. They also asked me many questions about other debits as to say youre paying them why cant you pay us. The conversation is so tiring from XXXX XXXX to other potential debt that I made owe. I was bullied by two people on the phone I explained to them that they were stressing me out and they did not care, The conversation escalated more more I was having XXXX XXXX and sick to my stomach. I couldnt take it anymore The conversation was going in circles for over 30 minutes so I hung up.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MI)

am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (KY)

My wife and I wanted a treadmill. We contacted XXXX and discussed ordering a treadmill with them. Next thing I knew I had a credit card account with them. I did not order a treadmill or attempt to get financing for one. I can see from reviews of XXXX XXXX online that I am not the first to have this happen. I have never received any merchandise from this company. I have not signed or agreed to anything from this company. I do not owe this company any money. They have since sold the account to a debt collector and now I am getting harassing phone calls and certified mail. Now they say I owe them {$760.00} and I have zero products or services from them. I am worried they will now try and sue me for something I didn't authorize or receive. Please help.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I HAVE REQUESTED SEVERAL TIMES FOR ANYTHING THAT CONNECTS THIS TO ME. IT WAS LAST REPORTED ON MY XXXX REPORT ON XX/XX/2024. IT SHOWES XXXX. IT IS NOT MINE
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Equifax for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Equifax credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Equifax they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX District Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Equifax. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX XXXX XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX District Bankruptcy Court stating they do not report ANY information to Equifax why is this credit bureau reporting false & inaccurate information under my name and social security number.
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (OH)

The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX years of dealing with this.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc. (FL)

Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Consumer complaint received 2019-06-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK (NY)

There isn't a box for this issue, and it applies to many banks across the country. 

Banks use micro-deposits to link bank accounts. The banks then withdraw the funds. Some banks withdraw the money in one lump sum, but others like Mid First Bank remove the deposits in two separate transactions. The withdrawal counts as one to two transactions when the US government permits only six transfers in a month. These are not real transactions, and the government should not count them as one or two of the six. If the government continues to count them, then the government should require banks like Mid First to withdraw the monies as one credit versus two.

An alternative is to use another system rather than the old method of micro-deposits to verify the legitimacy of the bank accounts. The consumer is not in a position to negotiate the methodology but is impacted by it. The banks have no incentive to update the system. 

Banks like XXXX XXXX XXXX recognize the issue and leave the micro-deposits as a gift in the banker 's account. I am not familiar with any other institution following this practice. But, it solves the dilemma.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

I paid {$2100.00} ( Cash ) to specialized loan servicing due to the fact it was due on the XXXX of XXXX ( Had the bill for a month ) & i had already rec 'd a transfer of servicing my loan to XXXX, XXXX  XXXX  XXXX, whose transfer notice had no information about my loan or an amount to pay on the payslip. I didn't want my FICO score to fall so i sent the above mentioned Amount by XXXX XXXX on XX/XX/XXXX ID # XXXX, XXXX AM payment {$2100.00} assuming they would send it over to the new server. ( That wasn't The case ) Evidently, it had not reached them until the afternoon, because they told me they would not accept the payment when it was wired to them. The woman was adamant about them not accepting it. ( So i assumed XXXX XXXX would get it back & inform me ) At lunch i checked the Tracker on XXXX XXXX & it showed accepted/delivered, the confirmation number is XXXX. That afternoon, I spoke to a man named XXXX & he checked my information & confirmed. He said a dept. called the Resolution group had it & didn't know how long it would take to be released. This morning they closed all of my accounts on all 3 credit agencies. They all dropped XXXX points because XXXX wasn't on the reports with my Mortgage Transfer amount. I would like my money back since SLS had no account to appy it to. Timing is kind of funny that they closed it the day after i spoke to them.
Consumer complaint received 2023-05-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Account opened in my name regarding a loan that I never opened, talked to the company they under stand that it was fraudulent, Ive taken several acting by disputing this report also making a police report linking my ssn to fraud. I also talked with my lawyer to help with this issue Account was open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

At XX/XX/XXXX, I made a call to American Express MEMBERSHIP REWARDS and told the customer service that I can not transfer my XXXX MR points to XXXX XXXX. He told me that my account was under review to see whether all the transaction met the criteria to earn the bonus MR points ; however, he said that they will fasten the review process and give me a call this week. 

And today is XX/XX/XXXX, I still do not hear back from them and can not transfer my points.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo through its GoFarRewards Program offered me a promotion whereby I would receive XXXX GoFarReward if I enrolled in the promotion and made a purchase with XXXX XXXX greater than {$100.00}. 

After enrolling online, on XX/XX/2019, I made a purchase with XXXX XXXX for {$100.00}. 

Since then, Wells Fargo has refused to honor the terms and conditions of the promotion stating I never enrolled in the promotion. This is blatantly false and an attempt to not honor the promotion.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2019-06-14
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. (FL)

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX