davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (GA)

There was an eviction filed against me on XX/XX/XXXX by XXXX XXXX XXXX. I appeared in court to answer the claim and agreed the debt was legitimate however, I was not in a financial position to pay at the time due to my employer cutting my hours, less leaving me unable to maintain the cost of my residence. I agreed to vacate and did so by XX/XX/XXXX. A judgment was filed against me on XX/XX/XXXX by XXXX XXXX XXXX. In that frame of time, Rent Recovery Solutions contacted me to obtain payment as the debt collectors representing XXXX XXXX XXXX. At that time while speaking to the Rent Recovery representative she erroneously notated my account stating that I said I was in bankruptcy. I have never in my life been in bankruptcy. Unfortunately, I have tried for the past 2 years to explain that was an error on Rent Recovery behalf and that I would like to pay my debt owed so there is no unpaid judgment on my credit report. They have refused every time I have called to speak with someone to obtain a letter of validation of debt and discuss payment options. They state every time, their unable to discuss my account any further and I need to have a legal representative call to discuss my case. I have asked for them to send validation of debt to show an attorney, they still refuse to send any information to me. I recently called Rent Recovery Solutions on XX/XX/XXXX and the representative stated that I need to have a bankruptcy lawyer call them and provide proof of no bankruptcy. That just doesnt make any sense. If Ive never nor am I in bankruptcy why would I have a bankruptcy lawyer call? I have been trying for 2 years to pay this debt so that I can apply for a new residence but unfortunately this discrepancy is hindering me from living independently. I just want to pay my debt owed and receive a written proof of payment. I shouldnt have to suffer because someone from their office made an error.
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

Westlake financial services were notified XX/XX/XXXX of a XXXX XXXX  involving the vehicle that was on the loan. I the driver was not at fault so I had to wait for the other insurance company to inspect the vehicle. Westlake repossessed the car while it was totaled to XXXX without telling me or the insurance then when I asked they said they are the lien holder they can take the car whenever they want. Months go by the car gets paid off with no late payments but their still asking the repossession fee and when they get the repossession fee they report on my credit that I was late on payments in XXXX when the car was paid off in XXXX. Also received a letter from the dmv stating that my license is gon na be suspended for a car thats already been paid off and I dont have the tag or license plate because westlake took the car
Consumer complaint received 2023-06-22
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
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. (VA)

I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have been a PayPal user for a while only for me to receive payment on faithful Sunday and PayPal asked for some documents of which I presented but only for me to see that my account has been permanently blocked and my fund held for 180 days
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CA)

Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.
Consumer complaint received 2019-11-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2019-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I got a loan with this atlas credit in XXXX XXXX Texas I was paying on time all the time I was helping my parents out and have been having a hard time since I tried talking with the company the manager starts going off on me and talking down to me and so hung up called the DM even she was apologizing and told me pay what I could so I did but the harassment has been none stop my references have asked for them to stop calling them and they tell them they have the right to call as much as they want when they want too. My husband has asked them to stop coming to our house the woman said they can whenever they want and they call my work my boss has asked them to stop they will not stop at all.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 90 Day Credit Experts (SC)

The scammers talk a good game and promise you the world to get you into a contract and threaten to turn you over to there collection agency and put negative information on your consumer reports for terminating them.Yea they did get 6 items deleted or I did myself because prior to hiring them I also sent out disputes of my own so who knows if it was me or there dispute thats got the six items removed any how they keep bouncing me from one person to another Ive had three in five months they warranty that your score will go up 100 points in 90 days or a money back guarantee I havent seen a increase nothing like they promise then had the nerve enough to say its because off the late payments in my consumer reports.They dont return your calls they always have a excuse but let it come time for payment and low and behold you can talk to anyone in the building these people need to be put out of business and quite scamming people by taking money before they do any work if they want to fight this Im fully prepared all I can say is if they are feeling groggy then jump because there aint no fence around this XXXX!!!
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a mortgage refinance with AmeriSave in XXXX and paid the application fee of {$500.00} on XX/XX/2020. For the next several months, I provided all of the information requested to AmeriSave, often providing the same information multiple times as they repeatedly asked for the same information. At the beginning of the process, I asked if the interest rate and points were locked and Ms. XXXX told me they could not " technically '' lock those rates at that time but that they would not increase prior to closing. Throughout the process, I repeatedly asked for a closing date and Ms. XXXX never responded. Finally, on XX/XX/2020, I complained about the length of time that the process had taken and demanded that they make a decision by XX/XX/2020 or close the application and refund our application fee. I received no response from Ms. XXXX or anyone at AmeriSave. On XX/XX/2020, I advised AmeriSave that our application should be considered withdrawn and asked for a refund of the application fee. That same day Ms. XXXX responded and claimed they were overworked and that the fee was not refundable and gave no date for closing. On XX/XX/XXXX, we responded that AmeriSave did not appear to be acting in good faith but that we would wait until XX/XX/2020 to close the loan but if they did not perform by that date, we demanded that they return our application fee. There was no response to that email. On XX/XX/2020, Ms. XXXX sent an email indicating AmeriSave had updated disclosures. The disclosures reflected an additional 2 points that were not part of the original proposal. This disclosure of new fees was buried in the new disclosure documents. It appears that Ms. XXXX and AmeriSave are engaging in a bait and switch process and likely never intended to make the loan to us that they had proposed in XXXX.
Consumer complaint received 2023-06-21
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. (NC)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2019-05-01
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. (KY)

Mailed letter to : XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.
Consumer complaint received 2015-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bonneville Billing and Collections (UT)

There are more than XXXX medical bill that I have submitted an individual dispute on just certain credit bureaus, that have been taken off of my credit because they did n't respond within 30 days like they are suppose to. So I want to dispute everything on my credit report.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation Hard Inquiries : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (LA)

I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.
Consumer complaint received 2021-07-23
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: United Revenue Corporation (TX)

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), United Revenue Corp, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX called XXXX XXXX spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Consumer complaint received 2023-06-21
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. (CT)

In accordance with the Fair Credit Reporting act. The list of account has violated my federally protect consumer to privacy and confidentially under 15 capital USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that 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 your account without my written instruction.

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 items 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 the consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-09-24
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. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of XXXX XXXX. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2016-01-29
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

An individual called my XXXX year old stating he had won the XXXX prize and asked him to send a certain amount of money to insure what he had won via a money order. Him not knowing better had sent x amount of money to this individual cleaning out personal accounts.
Consumer complaint received 2022-05-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''