davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Interstate Recovery Service, Inc. (TX)

I'm am submitting this report regarding a company called Interstate Recovery Service ( http : //www.interstaters.com/home.html ). While I was in college approximately five years ago, I received a phone call from a man offering a sports magazine subsciption complete with a sweepstake and a giftcard. As a student on loans and a minimal budget, the idea of a giftcard appealed to me and I gullibly said " sure '', after confirming that I could cancel the subscription at any time. I believe I actually received one or two magazines, but nothing else happened ( I never received the promised giftcard ). Eventually, I called back asking to cancel the subscription, which the operator refused to do. After repeated attempts to cancel, and after the " magazine company '' withdrew ~ {$150.00} from my bank account, I canceled my card and ordered a new one from my bank. I did not receive anything else. 

Fast forward to 2020. I've been blocking/ignoring most 800 calls, but answered a call from XXXX on XX/XX/2020. The man on the line claimed to be from Interstate Recovery Service and said I owed his company ~ {$560.00} for a magazine subscription I had been receiving at my school address ( I graduated several years ago and certainly did not receive the subscription that I repeatedly called to cancel before changing by debit card ). I told him that I did not receive the subscription or the promised offer, and that I had to cancel my card to end the unauthorized withdrawals. He became increasingly aggressive toward me, saying he could play a recording of my voice consenting to the subscription, which he did not actually do. When my wife got on the line and stated she doubted the validity of his claims given the number of consumer complaints we both found after briefly researching the company, he became even more aggressive and accusatory. When she mentioned the CFPB, he said he had no clue what she was talking about and finally hung up the phone on us. 

We did some more research and found many instances of people with the same problem. One news story ( https : XXXX ) mentioned XXXX XXXX XXXX as the alleged magazine company that Interstate Recovery Service was calling on behalf of. We reached out to XXXX XXXX XXXX, and an employee ( XXXX ) stated that Interstate 's demand could not be valid and that the company distributes to stores and does not target individuals. 

Interstate Recovery Service and/or its affiliates appear to be scamming people by promising offers and refusing to fulfill them, then continuing to withdraw money from people 's accounts and refusing to cancel " subscriptions, '' then sending them to this aggressive collection agency that is making bogus demands. Other complainants stated that they never consented to receive a magazine subscription. 

Here is the contact information listed on Interstate Recovery Services website : XXXX XXXX XXXX XXXX  XXXX VA XXXX US ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (TX)

I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to this matter.
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Consumer complaint received 2023-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Minto Financial dba Minto Money (NJ)

I took a {$500.00} loan from Minto money and so far I payed almost a XXXX dollars, they increased the apr and apparently I owe them another XXXX which is insane to repay XXXX  for XXXX.in addition to that I wanted to pay it over 18 months so I pay almost XXXX a month, theyre still asking for money and its a scam.
Consumer complaint received 2022-06-12
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 XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I was a victim of Fraud, I expressed this to XXXX XXXX XXXX. No investigation was conducted and my account was sent to Chex systems for {$120.00}.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX  XXXX XXXX XXXX, AR XXXX.Thanks
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.
Consumer complaint received 2019-08-29
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: LEADER ONE FINANCIAL CORPORATION (TX)

I am applying for a home loan and there is a home Mortgage foreclosure listed on my credit report provided by " Credit report trend credit data ''. The creditor is Leader one financial corp. 
The mortgage is a reverse mortgage that belonged to my mother. She passed away in XX/XX/2018. The reverse mortgage was a part of her estate, and I was not a signer on the mortgage. The mortgage went into foreclosure, and I purchased the home from Leader One days later. However my credit reports reflects the foreclosure on my credit. I was never a signer or co-signer on this mortgage, only the purchaser of a foreclosed home from an estate.
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Cohn, Goldberg & Deutsch,LLC (MD)

The agency of Cohn Goldberg & Deutsch sent all the letters to the wrong address and when I went to my daughter 's house to fix the heat for her tenants she told me to check her mail and that's when I seen the letter from there office. I contacted them and they wouldn't let me talk to a lawyer in there office. This account was charged off on XX/XX/XXXX and they sent me a letter which is dated XX/XX/XXXX and in Maryland it's only 3 yrs on  any writing contract. They issued a garnishment against me. I called once again the gentleman said they issued a judgment on XX/XX/XXXX I checked it and didn't see any judgment against me.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (CA)

I have now filed multiple disputes with Experian, and XXXX that are reporting XXXX XXXX as an account that I had open. I had identity theft and the account was the result of identity theft. 

Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof if 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 information relating to any transaction by the consumer. 

I have supplied XXXX and Experian with the police repot, FTC report ( identity theft report ) proof of identity, identification of the account and a statement. Experian and XXXX have refused to block this information saying that it does not meet their criteria for block, but this is against the law and my rights as a consumer under Fair Credit Reporting Act Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 

15 USC 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts.
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (VA)

XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of XXXX
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MT)

We lost our home in a fire on XX/XX/2019. On XXXX the property loss division of US Bank cashed our insurance check. Through out XXXX we uploaded to the website we were asked to use all required documents. We found the required documents on the paper work they initially sent us. Since that time there has been no communication from them in any form. I have to call every time. I uploaded my final signed contract from our contractor and us on XXXX. That was the last document according to their paperwork and numerous phone calls that I needed to provide them to have completed step 1 and to receive our initial check back from them so I can pay the contractor. I called on XXXX to find out why it was not showing up on the website. I was informed their website had been down and they didn't receive it. There was no effort on their part to inform me about the website being down. This directly delayed a check being issued back to us from them. I then had to pay out of pocket to fax the contract to them. I called back and was informed they had received it and as soon as it was verified the check would be issued. I called today XXXX after I saw on the website that the contract had been reviewed only to be informed they now needed a blue print. There is no mention on the documents they gave me requiring a blue print, to be issued my initial check. I again had to pay out of pocket to have a fax sent with the house plans. I was informed this should have been included in the adjusters report that was reviewed and verified on XXXX. Another error on their part that again has delayed my initial check being issued. Their lack of communication and not providing me correct documentation in the first place stating any and all documents I need to provide them to receive my insurance claim money back has now delayed this process a second time. I feel it is a purposeful, deceitful, and malicious business practice to not give out all the information up front and to neglect contacting customers in order to keep the insurance check money as long as possible to collect interest on it.
Consumer complaint received 2018-04-14
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. (NV)

I just received a copy of my credit report and I found XXXX hard inquiries that are fraudulent, i immediately contact these companies and also called Experian but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit report. Please help me removed these fraudulent items from my credit report ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX/XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX )
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (NY)

My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. 

The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.
Consumer complaint received 2019-08-28
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. (TX)

I use the free XXXX XXXX account to monitor activity in my credit. A few months back my Equifax score dropped as a result of a new credit inquiry from XXXX XXXX XXXX services. I looked it up and found that it was from a XXXX, Tx. store or service. I live in XXXX, Texas which is approximately ten hours away from XXXX. I called the service but kept getting the run around from every person I spoke to. Defeated, I finally decided to contest it through the Equifax website. I was later notified by Equifax that the inquiry was true and would remain on my report. At no time have I ever been an XXXX XXXX XXXX customer in the past 15 years or so. My cell service is and has been with XXXX XXXX forever. The date of the inquiry into my credit is dated as XX/XX/2019. I did not request an inquiry into my credit by XXXX XXXX XXXX or any of its affiliates.
Consumer complaint received 2020-12-14
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XX/XX/2020 And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-14
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. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

Am unsure if this qualifies as a complaint at this time, as a mortgage has not actually been started. But, that is my issue, multiple attempts to get Guaranteed Rate ( XXXX XXXX [ sp? ] ) to respond to us and start our process have gone unanswered in any form.

Escalation to their Branch Manager ( XXXX XXXX ) did get a limited response, telling us they will start things now, but we are going to miss our closing date. 

Is there at this time a complaint, or is there another regulatory authority I should be contacting?