davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
Consumer complaint received 2021-06-15
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: Happy Money, Inc. (DC)

The lender named Payoff Inc. under Happy Money has erroneously and falsely reported a negative month into my credit file with XXXX, and XXXX. They have told me that they only report when an account is 30 days delinquent. My monthly and semi-monthly payments towards my account with them have never been beyond 30 days late. To no avail, I have reached out to them electronically and via mail. They have defiantly 'Dug-In ' and remain defiant to the facts, facts that will show that none of my payments have been 30 days delinquent. I can even show where they removed one month where they had me as past due only to move that past due status into a month where payments clearly reflect that there was never a 30 day delinquency.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXXXXXX  ACCOUNT # 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.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC. (WA)

I do have a debt owed as a result of a payday loan I got from check into cash. The collection agency that holds the debt is XXXX XXXX XXXX. However I received an email from XXXX XXXX XXXX claiming my debt is from XXXX  cash. Initially I thought it was legit and said Id be making a payment in the next few days. But after the reading the email nothing about it seems legit, the verbiage is off and seems to scream scam. Then I realized the original creditor is wrong and its not the correct debt collection company. The email is a XXXX email address or a mail depot address
Consumer complaint received 2023-02-10
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. (CA)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2021-07-22
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. (VA)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (OH)

I am a real estate agent and our buyers were pre-approved through American Financial Network , Inc. We went into contract on a home on XXXX XXXX and I kept in touch with the lender throughout the process to ensure a timely closing by XXXX XXXX. When I checked on the loan the lender admitted to starting the loan process late and then had a few tax lien conditions to work through. We were told that the underwriters were based in California and were not very responsive to the lenders. The lenders, in turn, were slow to contact us and often required multiple calls, emails, and texts to check in on the loan process. We had to extend the contract two times to try to close by XXXX XXXX. We were finally given the clear to close on XXXX XXXX and we scheduled the closing for XXXX XXXX at XXXX. We officially closed today, XXXX XXXX at XXXX. At XXXX, we received a call from the lender that the loan would not fund because the person who issues the funds found out today that one of our clients had lost their job on XXXX XXXX and would receive severance pay for 1 year ( not the the 3 required for FHA loans ).
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (ID)

I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm.
Consumer complaint received 2021-07-22
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. (TX)

fcra violations : and HIPPA not mine : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX no creditors : Original creditor : {$330.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$330.00} - Payment Info Original balance - Balance {$330.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements - XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$70.00} - Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Payment Info Original balance - Balance {$70.00} Status - Status date XX/XX/XXXX Additional info Comments Placed for collection Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} - Payment Info Original balance - Balance {$1100.00} Status - Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact POB XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00}
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

Forbearance period was XX/XX/XXXX through XX/XX/XXXX, I resumed payments on XX/XX/XXXX. My promissory/forbearance paperwork was drafted incorrectly ( typo ) and never corrected during 90 day period. I contacted them multiple times with correct information but they wouldn't correct it. Company tried to force me to sign for 8 payments, not six. Sold my loan without paperwork in place, reported delinquent, credit problems immediately. New company will not honor any previous FHA guidelines for forbearance protection.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete It has been over 40 days since they received my dispute letter and have not heard back from them
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

Steps taken in an attempt to make a payment to Apple GS Bank Card. 

- Over 6 hours on the phone with customer service, customer service supervisors. 

- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. 

- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction - Inquired about possible auto-pay directly to GS Bank via home bank auto-pay - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to collections - Inquired about any other possible payment methods OUTSIDE OF creating another bank account - Spoke with manager as Goldman Sachs corporate office, said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, I was informed this will not be removed - Discussed options with a licensed attorney - Opened a dispute with XXXX  credit bureau
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached a copy of the account that is reported incorrectly. The XXXX account is reporting late 30 days on XX/XX/XXXX then 90 days late XX/XX/XXXX. This can not be possible! I know my rights as a consumer! I also have disputed this numerous times, but to no avail it has not been changed.
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (NC)

I was seeking to refinance a new vehicle loan to lower the rate that I received with the dealership. I was immediately denied for the sole reason of " causing a loss '' over 20 years ago when I filed a bankruptcy. The amount owed was repaid under the terms of the bankruptcy and was agreed to by Navy Federal. However, the remark is attached to my profile for XXXX They won't even look at my income, collateral, credit score, or history since discharging the bankruptcy. They are more than happy to take/hold my money but I am forever barred from borrowing from them.
Consumer complaint received 2023-02-10
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-01
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. (AR)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I over paid them XXXX and some change on XX/XX/XXXX with my online banking company. They sent the overpayment to me by mail the XXXX of XXXX I deposited the check. I see that my balance on kohls shows XXXX for XXXX. They claim they sent 2 checks the other one was a XXXX but I never received it kohls said it hasnt been cashed so I said put a stop payment on the check because I dont have it. This issue has dramatically lowered my credit score. Im not one to not pay my bills but this is not a bill I owe. And kohls XXXX # has not been any help. 

XXXX
Consumer complaint received 2021-07-22
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (GA)

I filed a dispute with XXXX  XX/XX/XXXX Report # XXXX in reference to my car loan with PNC bank. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. PNC bank refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to XXXX. XXXX  reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at XXXX  who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I made a complaint about my pslf not being granted. I was told it was because I have not made XXXX eligible payments and only have XXXX that are eligible. On the website, I started counting payments labeled qualifying payments. I counted from XXXX and stopped counting when I had counted XXXX that were labeled as qualifying. I also saw that my qualifying employer status was removed in 2022, even though I did not change employers, making several payments not show as qualifying. I would like those payments to be counted. I tried to call and was on hold for over an hour.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DIVERSIFIED ADJUSTMENTS SERVICE would verify the debt. So I took it upon myself to ask DIVERSIFIED ADJUSTMENTS SERVICE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-07-22
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. (CO)

XXXX XXXX XXXX is trying to collect on a fraudulent check, against me, 5 years after the fact. 

They sent a collections account to " written off '' status without ever sending me notice of the alledged debt or making any attempt to collect on it. I filed a complaint to the NM Attorney General 's Office and they are in AGREEMENT with me that this debt did not go through a legal debt-collections process and it should never have been written off. 

I notified XXXX XXXX XXXX that they were trying to collect on a fraudulent check, on an account that was supposed to already have been closed, and they refused to accept any fraud report or do any investigation about why this account was sent to " written off '' status without ANY ATTEMPT to notify me of the alledged debt, or to collect on it in any way. 

I filed a police report to XXXX Police Department, claiming fraud, over this specific charge. XXXX XXXX is made no attempt to notify me that they were trying to collect on a fraudulent charge against me, on an account that was already closed. This is an illegal collections practise and I have the NM State Attorney General 's office on my side in this matter.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud