davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the last six months I have changes the bank account to a different Bank account making difficult for paying my credit card due to Bank of America refuges the payments from XXXX, I do not at that time why Bank of America did not accept the payment?
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: ID Analytics, Inc. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ID)

XX/XX/XXXX XXXX XXXX  - we sold our home for which Freedom mortgage held lien and escrow XX/XX/XXXX  - we inquired via portal when we would receive disbursement of escrow funds XX/XX/XXXX XXXX we updated our mailing address on the portal XX/XX/ XXXX XXXX XXXX we received a message via portal that we would receive a check at the new address 14 days after account was paid in full XX/XX/ - we received notice at via US mail at our new mailing address that our mortgage had been paid in full and our account closed XX/XX/ - we received a message through the Freedom mortgage portal stating that any remaining escrow funds would be sent as a check 14 days after the paid in full date XX/XX/XXXX XXXXXXXX XXXX    - we contacted the loan originator ( XXXX XXXX, XXXX XXXX ) asking if could assist with recovering our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received an account statement via US mail that listed an escrow refund of {$5000.00}. We also received an escrow account disclosure statement stating that our new payment was {$0.00} XX/XX/ - we sent a message via portal asking when we would receive our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received a message via portal that additional research was required XX/XX/XXXX  - we received a message via portal that {$5000.00} was sent on XX/XX/. No such payment was received. 

We just want our escrow money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Consumer complaint received 2019-06-18
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)

the following accounts have been disputed on these dates for these reasons : XXXX19, XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX  XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX DIVISION OF XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-06
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (FL)

My husband and I sent a letter with a check for settlement over a week ago via certified mail and when we made contact with them today XX/XX/ they are using deceitful tactics such as that they returned the check back stating that XXXX ( when they are a 3rd party debt collector ) wasnt accepting that amount last week but now they are this week, but wont provide proof of our check being sent back the debt collector is Diversified adjustment services
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that there are discrepancies in my credit history, which are entirely erroneous and damaging to my financial reputation. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JDJ Investments, INC. (IL)

This debt with XXXX healthcare system was paid via 6 months payment arrangement for direct debit from my paycheck. The debt was satisfied early with a last payment of XXXX at my request. XXXX XXXX put a collection on my credit report originally for {$1000.00} then increased it after I notified them of the mistake {$1100.00}.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX XXXXI refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
Consumer complaint received 2019-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My original student loan servicer was sallie Mae i has been put on an interest only repayment program while trying to purchase a home from XXXX. Navient became my Lon servicer and began to defer my loan from XXXX student assistance corporation would call me and offer deferment as best option and never fully explained options. In XXXX of 2017 i was Contacted by XXXX XXXX  telling me i qualified For a student loan repayment program. If i made Eight payments of XXXX  dollars they would put my loan in good standing. I did not complete the program or fill out paperwork from them. They asked for my information and filled out paperwork for a consolidation loan i found out about later. After this happened my loan balance increased by XXXX dollars. My account history shows a lob payment of XXXX and new balance of XXXX. There are duplicate interest charges each month and there is no record of any paperwork or loan details form the school or original lender. Lon history is also different for each loan. In attempts to acquire Loan history and terms i have Been unsuccessful only being told they do not have any.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MO)

This debt is from an insurance company for a car that was never purchased by myself or anyone in my household. The vin they had on file at the time was a car that wasn't even purchased yet and still on a dealer lot. This is not my debt.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc (TX)

I applied for the loan XX/XX/2023 was paying the amount of {$74.00} back until I went on XXXX XXXX XXXXXXXX with my job which means my pay is cut as well. I reached out via email XX/XX/XXXX from a response of them stating that they needed to hear from me and that they are here to help. I asked what I can do. Unfortunately, they did not offer any sort of assistance and also continue to charge my account in which there is no money in it. I also notice on the contract of a Wage assignment in which they take 15 % of your check and it shows that it is voluntary. I sent a certified letter to revoke this option as this is XXXX XXXX. They do not help if anything they double charge the interest for a {$300.00} loan and you end up paying over XXXX of the whole thing. I've also attached the letter I sent as well as the information stating that the wage assignment can be terminated at any time.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX, and again on XX/XX/2019, I requested my Experian credit report online through XXXX. Experian refused to supply my report online, and their message asked me to request the report in writing. On XX/XX/2019, I completed and mailed the Annual Credit Report Request Form with the requested identifying information. Today, XX/XX/2019, I received a letter from Experian refusing to supply my credit report.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

NATIONAL CREDIT SYSTEMS, account number XXXX, is wrongfully appearing on my XXXX, XXXX AND XXXX credit files.THEY ARE TRYING TO COLLECT A DEBT THAT I DO NOT OWE.THE DEBT IS A TOTAL FABRICATION ... ..I 'M FAMILIAR WITH THE PARTIES BUT THERE IS NO LEGAL CONTRACTUAL DEBT THAT I OWE. 
THIS OUTRAGE, USING MY CREDIT RATING AS LEVERAGE, TO COLLECT A DEBT I DO NOT OWE IS THE LEGAL EQUIVALENT OF EXTORTION.IF THIS DEBT WAS ACHIEVED BY COURT ACTION, I WAS NEVER SERVED AS REQUIRED BY LAW.IF THERE WAS SERVICE OF PROCESS TO ME PERSONALLY IT IS FRAUDULENT OR FORGED. 
THERE IS NO LEGAL JUSTIFICATION AND I STRONGLY SUSPECT IT IS OF A CONSPIRATORIAL NATURE BETWEEN THE OWNER OF THE ORIGINAL CREDITOR, XXXX XXXX XXXX., THE REGIONAL MANAGER AND ON-SITE MANAGER OF XXXX XXXX XXXX, XXXX XXXX , CA. 
REGARDLESS, I WANT THESE REMOVED FROM MY BUREAUS AND RETAIN MY RIGHT TO PERSONALLY SUE THE FURNISHER OF CREDIT INFORMATION AND EACH REPOSITORY OF INFORMATION ( CREDIT BUREAU ) FOR  FCRA PROSCRIBED STATUTORY DAMAGES.
Consumer complaint received 2023-04-09
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. (NY)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, US DEPT OF ED/ 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 an account without my written instructions.

I have never been applied for a US education Loan, I need this account to be investigated, this account is a fraudulent account.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NC)

Recently, a collection agency named XXXX XXXX XXXX contacted me about an outstanding balance I had with another company for {$250.00}. I informed them that the balance was due to equipment that was unreturned, but I had since returned the equipment, which negated the balance that was owed. But despite that, this collection agency reported this negated debt anyway.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

This mortgage company is doing fraud against my account. I have called several of times and argue with people who clearly see that they owe me a refund and that my payment is to be lowered..instead they try to talk in circles like I'm XXXX and raise my monthly payment. It's not time for ins and taxes to go up and they already raised me..I 'm fixed. I never wanted this company due to its reputation bit they bought my loan from the other mortgage company. I have spoke to repair who see it in system where it shows to come back to me and say they will fix and call bk no responses. I have had some to lie to me and say report to high dept. No calls. I asked for the calls to be pulled. No one has done that. But they want to keep my money. Then my investor approved me for the forgiveness payments due to covid. It's all to go to bk of loan..they even said it with company. Now when it's time now it's a different conversation. My investor has it clear to do so and then they lie and say no it dont do that. Then it's only half then it's no you have to pay that in a lump.some. your frwud is what it is. I did a program to lower my payment and did the application to help me. Yes help me and you want to keep the refund check because I did the help for covid. I needed the help. You dont pu ish us for the help. I will be filing a complaint with them as well to let them know what your company is doing to us. I owe nothing and if you do your job my payment will go bk to where it should be and I wouldn't be going thru this fXXXX Send me my money and fix my payment asap before due again and you owe the difference I had to make of the higher payment last month. Stop lying and holding our money because the government helped us. This just like you charge us for payment when we under plans now you fixed that. Fix my account. I been patient for to long and now something new.. I'm not going to keep getting taken advantage of
Consumer complaint received 2021-11-30
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION (TN)

So I had a job offer at a company and they use First Advantage background check company. They submitted the background check on XX/XX/2023. I was supposed to start XX/XX/2023. It is now XX/XX/2023 and still the background check is not complete. The company gave the job to another candidate. I am lucky my current employer let me stay but this cost me a lot of money, a big raise and better benefits. I do not have a record of any kind. I had to pass a very stringent Federal background check to get the job I have now. I have contacted First Advantage but all I get is they are waiting on the courthouse. I checked at the courthouse and they say there is nobody there that does background checks. By reading over reviews it seems that First Advantage is incompetent at doing there job and it has cost not only me but many others have lost jobs because of them.
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: EQUIFAX, INC. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
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. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.