davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Millco Management (FL)

A company that have appeared on my credit repot by the name of AMERIFINANCIAL SOLUTIO XX/XX/2022 In the Amount of {$1100.00}. I am lead to believe there real name is American financial solutions
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.
Consumer complaint received 2023-03-25
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 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
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (SC)

I am a XXXX XXXX who got called up for XXXX XXXX in XXXX I received orders in XX/XX/2021, but prior to that I applied for a personal loan with Mariner Finance. As a XXXX we don't know when we getting orders or get called up for duty. Nevertheless, I submitted my orders to the company in XX/XX/2021 to receive my 6 % rate reduction under the SCRA benefits. They are denying me because they are saying that I knew I was going on orders and therefore they don't have to give me the 6 %. The orders where dated XX/XX/2021, but I never received them till XXXX after the fact and plus I did not fall under XXXX XXXX orders until XX/XX/XXXX. I have tried to explain that to them, but they refuse to listen. Please help, I have contacted my legal representative here on base and I am waiting for them to get back to me. 

XXXX XXXX
Consumer complaint received 2019-09-04
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. (MS)

I been trying to fix a dispute with Transunion about accounts with XXXX and XXXX XXXX XXXX. The accounts show multiple charge off dates and different reporting dates. I ask for proof and couldnt/didnt get documents to provide their validation on these false accused accounts.
Consumer complaint received 2019-09-04
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 have never authorized hard inquiries from these two companies in the following dates : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

Like many people I had some debit/gift cards lying around. On XX/XX/XXXX I decided to convert them to an XXXX  credit since I use XXXX often. I got the balance wrong on one card so it was declined. I looked everywhere on the XXXX website to cancel the purchase and could not find a way to cancel. XXXX sent me an email saying that they would give up in two days if the card didn't work. 

Instead of giving up they decided to just substitute and charge my XXXX card which I NEVER use. I never gave them permission to charge this card and how convenient for them to just use THEIR propriatary card without my permission. So now I have a new bill for {$15.00} that I must spend with them. This make me REALLY angry. Don't they think that I would substitute to different card myself if that's what I wanted to do? Now XXXX XXXX I get their bill in the mail. Unbelievable -no way to cancel -used a card I have NEVER used -no notification they were going to switch cards
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax has a lock on my credit file that I did not put on, they also for some reason do not have my birth date on file or my current address. I just purchased a house last year and had no problem getting my credit report and now I can't get my report and My wife has XXXX and I need to refinance my house to help pay bills and equifax is holding me up. They gave me a fax number to fax information to them on Monday and the number was not working, I called them back and they told me they only have ONE fax machine for all of Equifax. I need my credit report and they are no help. I spoke with a supervisor named XXXX and she told me to have the credit file run with my old address but XXXX XXXX   could not do that due to underwriting thinking I don't live at my current address. Please help me
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Researching the Cornavirus Cares Act it includes late payments not being reported on a persons credit report I am asking for help to clear the late payments included in the attached letter. 
during XXXX & XXXX corona virus pandemic I have been with Capital One for many years and until i suffered hardship during the corona time i was perfect customer and AFTER the pandemic setback i brought my accounts current and have been ontime ever since Please enclosed in the letter is request for relief of Goodwill on my late payments to be removed from my credit reports due to the Cornavirus Cares Act Thank you XXXX XXXX
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Seattle Service Bureau, Inc (CO)

XXXX XXXX with National Service Bureau has Reached out to me 3 times. 

On his first call XX/XX/2019 : XXXX He claimed I owed a debt I do not owe. While I am aware that the the original debtor felt I still did, I have emails to show I do not. Before letting me get that far he threatened that if I do not work with him to pay him now he would contact my employer. I said you are not allowed to do that and if you do call I will answer and report it. He then claimed that he would find the company owner 's cell phone number and call him anyway. He ended the call rather abruptly as he seems to like to do. 

I explained these events to my partner who attempted to contact him about this and warn that he would be reported if this continues. He was told no further communication would be accepted by phone. Despite giving permission on the phone for her to talk he hung up. ( Seems he doesn't like to talk on the phone if he can't bully people into sending him money right away ) Again he called XX/XX/2019 : XXXX He claimed again that I would pay him, told me that he sent me a letter that I never received and I stopped him before letting his aggressive tactics progress. I told him I was not to be contacted by phone. I verified my address with him and told him to submit anything further in writing. I also told him I would be reporting him for his actions. 

He claimed he is safe because all calls are recorded and that ensures he cant be reported. Upon looking him and this company up there are many reviews that site his name directly and the absolutely vile way he goes about business. If he communicated properly, wasn't aggressive and allowed this debt to be disputed accurately he would have realized this isn't a debt I owe but instead he has tried to bully me into sending him money for fear of losing my job.
Consumer complaint received 2021-06-26
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. (TN)

I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing this letter because SPS lies about not giving me a sale date. On XX/XX/2019 SPS said that I did not have a sale date, however today I received a letter dated XX/XX/2019 stating that I do have a sale date. The sale date case after I sent a QWR dated and received by SPS on XX/XX/2019. I talked to SPS today and they told me that they are not going to respond to the QWR sent on XX/XX/2019. They also told my bank XXXX to freeze my account because I sent them a QWR. SPS is working with XXXX XXXX and XXXX XXXX XXXX to threaten me into doing a short sale. I want the XX/XX/2019 sale date stopped and I want SPS and XXXX XXXX XXXX to stop calling my bank telling them to freeze my assets. I plan to sue SPS and XXXX XXXX XXXX for the threats.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

I got a disturbing news from my credit bureau ( XXXX  ) that Conn 's reported 30days past due which alert me to call Conn 's, because I just paid them on XXXX for my XX/XX/XXXX payment I can only pay on the XXXX of the month and they wont change the due date so the rep offer me an extension and set me up on auto debit to starting on XXXX so I'm always 2 weeks ahead rather then 2 weeks late but this shouldn't ever cause Conns to report me 30 days past due I been paying this way for over over over a year now. so I called Conns today XXXX because if I didn't accepted the extension and with the payment on made on XXXX for my XXXX payment my account would of been 7 days past due as of today XXXX and I would of paid it on XXXX. so I called the rep on XXXX and I was advised that they made a mistake and misapplied my payment THAT THEY MADE A MISTAKE, I reminded them due to there careless mistake it caused to mark my credit I'm extremely upset I want this matter fixed immediately this isn't the first time these people made a mistake, I demand its fixed and they need to update my credit bureau I shouldn't have to prove to them that they reported my credit when they know they did if you are willing to fix the mistake this should also include the negative reporting as well on there part, if my credit and account isn't fixed being this is the 2nd time I had to deal with them since 2016 I'm prepared to make an Attorney General complaint and contact the news I work very hard to build my credit and to get knocked down and punished for there careless mistake and tell me they don't know if they would fix my credit but they would try to fix my misapplied payment isn't fair its abuse this is terrible so I have to put my life on hold and wait 72hrs to hear back about my money they took from me that sitting in my conns account but yet reporting 39 days was my money applied to someone else account???????? I want my account to report and reflect current like it suppose to be and update all 3 credit bureau they made the mistake they need to fix it entirely!!!!!!!!! 
I'm suppose to be buying house you are messing with my life AGAIN!!!!!! I WILL NOT LET THIS SLIP AWAY THIS TIME!!!!!!!!! EXPECT MORE COMPLAINTS
Consumer complaint received 2019-09-04
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. (MS)

I have dispute three accounts for over 2 years and cant get this problem fix. The accounts arent mind, and I provide mistakes in multiple reports and ask to delete these inaccuracies. I ask for documents on these accounts. A auto loan with joint account with someone I never heard of, credit card account with different date reported, and XXXX school loan with different amounts on several reports. If it was validate correctly it should not be inaccuracies between several reports.
Consumer complaint received 2019-08-17
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. (CA)

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX  $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: D2 Management LLC (VA)

I received a call from a women who asked me for my social security number and name. I said I did not feel comfortable telling her that information and then she told me my social and that I owed on a payday loan from 3-4 years ago. I said I do not recall that and she tried verifying my employment with a company I worked with 4-5 years prior. I said I do not work there and then she told me my bank account information. Once she gave that information I figured well I must owe and agreed to pay XXXX every XXXX of the month. The first payment was deducted on XX/XX/2019. I received a call today from a women and she started verifying employment of my old job XXXX ( again I have not worked there for 4-5 years ) after I gave her all my updated information. I was on a conference call when she called and asked if I can call her back because I was on the phone. She was still talking so I hung up, she called back 2 more times and I declined the call, again I was on a conference call. Then my receptionist came back to my area and asked if I was on the phone I told him yes. The receptionist said he had a very irate client on the call. Based on my work ethic my program director was not on the call and offered to take the call and assist the client. Once she got on the phone she said a women was asking where is XXXX put XXXX on the phone. My program director said she is on a call she can have me call her back or she can assist her. The women said put her manager on the phone. My director said she was in the same meeting I was in and again that she can assist her. She then persisted to speak with someone in HR. Then my director said ma'am they are not available I can assist you and then the women hung up. Once I was done with my call I got the phone number from the receptionist and called them back. I spoke with XXXX XXXX who spoke to me in such a manner that was disgusting and I've never been spoken to that way. He went on to tell me that I work at XXXX XXXX and that I am stupid because I can't pay my bills on time. I can't afford a lawyer because I can not pay XXXX dollars. I told him to never contact my place of business again and he said he is going to do whatever he wants. He was cussing and everything, I asked to speak with a manager and he said he was the manager. I came back upstairs and there were 3 more calls from the company. I am going to file a lawsuit with this company as this is completely unacceptable nor will I be treated like this by some scam company who only requires a high school diploma. I am so livid that a company would contact my place of business and harass myself and colleagues. The phone numbers they reached out to me were XXXX and XXXX.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Consumer complaint received 2019-09-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Via certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XXXX ) I have requested Equifax to include a statement regarding a unverified account on my credit report. I received 3 letters requesting to send in verification and each time it was sent and the following month I was sent the exact same letter requesting verification. 

I have requested the following statement : " The XXXX Bank / XXXX 's account is a fraudulent account whereas the creditor states they have no signed documentation I opened the account. This information has been provided to XXXX, XXXX, and Equifax Credit Bureaus. XXXX &  XXXX  have removed the account - Equifax refuses to do so. Please obtain a " correct '' copy of my credit report to the two other agencies.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid the debt for XXXX XXXX original creditor XXXXXXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have