davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

I being paying Ditech for months, trying to get on track, they sent my loan number to another company, without being notified, I told them I have a loss of incomes, which it seems to matter to them, I apply for a loan deferment, was turn down, they don't try to work with you, being having problems with them, told me already had four deferment and denied the fifth deferment, they don't seem to care about their customer, it all about money, I being paying XXXX most time it being XXXX if home insurance need to be added, but they took over the XXXX for insurance Pay by them, I have a loss of income, since XX/XX/XXXX, my home is damages, which I file a claim in XXXX, they refuse to fix the home, the adjuster say how he knows if it water damages, mode on the wall kitchen wall wall damages, fridederator was leaking in the line, no help from them, kitchen floor coming up dues to water problems in my home around XXXX, then around XX/XX/XXXX, tree fell on my home, the the insurance people told me, I have to remove tree off my house, before I they can come out to take picture, which claim did go through, with Ditech and my names on it, I sent them the check where both parties need to sign, as of XX/XX/XXXX my home is still damages, no return check, only thing u get was that's my loan went into default, now I'm. Paying XXXX, extra dollar to catch up, then charge XXXX for processing fee, all they ask when you have the rest of the money, but my home is broke down, when it gets fix, bi do not know, they put the insurance claim check in the escrow account, I don't have an escrow account, it just sitting there, why my my home getting worst, especially when it rain, because they not letting me know anything. My loan account number is XXXX, also ask what happened to all extra money, I pay, they claim it went on interest, my old loan was XXXX before transfer to new loan, starting over again
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (CA)

To whom might concern : I got a collection letter from PAM ( Professional Account Management ). It said I owe a fine of {$140.00} parking citation. I have not received any citation information from XXXX about Citation # XXXX. I looked up my license plate number through XXXX Payment and Inquire. I couldn't locate any information of this Citation # XXXX. Then I search the location of this citation was issued " XXXX XXXX XXXX " It didn't indicate which city and zip code. A citation usually contains a lot more information. Obviously, they are making up this information. 

I received a second letter from PAM today XX/XX/24. In the letter it said that XXXX XXXX XXXX mailed two notices to me but I never received any letters from XXXX XXXX XXXX because I don't live in XXXX. 

I actually called XXXX XXXX XXXXXXXX about this Citation, they have no information about this citation and never send any letters to me which PAM claimed thaXXXX XXXX XXXX XXXX sent two notices. I was told that if I were gotten a citation, XXXX should have handled the case instead. 

I would like to report that this company is scam and commit a fraud that contains false information and try to collect a debt that never existed. 

This company received so many complaints online. Please stop this company from scamming others.
Consumer complaint received 2023-08-19
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: Bread Financial Holdings, Inc. (FL)

In XXXX I opened a charge store account with Comenity for specifically XXXX XXXX XXXX. I have been XXXX  credit my entire life, I was provided a {$65000.00} limit. I used the entire balance many times and paid it to XXXX. Mysteriously in XXXX when XXXX and Comenity ended their partnership, they broke their agreement to provide 0 % interest for purchase for a period of 12 months, they overbilled me and I refuse to pay them money I do not owe. I will never pay them. I am XXXX and pay all my balances in full each month. They also closed my account on XX/XX/XXXX and then couldnt report me for some reason, until XX/XX/XXXX they reopened the account to close it again and drop my credit score XXXX points. I will never pay them and they should be reviewed for ethics and their terms of service should be reviewed by the state. Do not do business with Comenity, after several email and paper mailed letters to resolve it with the bank they ignore all and say because I didnt notice the error within 60 days its not their problem. However I was on autopay set to pay my full balance in 10 months not 12 to make sure I wouldnt insure late fees and finance fees. Good luck Comenity. I will subsequently be closing all of my other Commenity accounts.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX and XXXX. 

Fast forward to XX/XX/2022 XXXX and XXXX XXXX removed their negative item from my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I just opened my checking account with Bank of America on XX/XX/2023. I only used it a few times. Also, I connected my direct deposit to it. But, without notice, they closed my account. I had bills to pay but everything was stopped. Other than a person calling me the XXXX, letting me know that I needed to take my ID to a local bank. I agreed and let them know that Id go to the bank on the XXXX.
Consumer complaint received 2022-04-14
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, I have sent numerous police reports to Chex Systems in regards to being a victim of identity theft and fraudulent credit inquiries and checking accounts being listed on my Chex Systems Consumer Report, and Chex Systems continues to list fraudulent and unauthorized credit inquiries and bank or credit Union checking accounts on my consumer report. I have a current police report on file with Chex Systems.
Consumer complaint received 2022-04-14
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. (CA)

This collection reporting to my report was once removed and the put back on my report without consent. 

Im aware that once removed by law the same account can not be reported as collection again account XXXX XXXX XXXX multiple accounts reporting to Experian
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I have been trying to request via email that they provided a monthly repayment plan since my financial situation has changed since I took out the loan. They are claiming I asked them for a cease and desist which I did not. I have repeatedly emailed them and received no response. I had a decrease in income and would like a monthly payment plan as once a month payment that would fit my current budget.
Consumer complaint received 2023-08-21
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau 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 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-11
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. (CA)

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, Experian # XXXX and XXXX # is 2003 but all are the same account being reported..
Consumer complaint received 2022-04-14
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. (NV)

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 of 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 enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (NY)

XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.
Consumer complaint received 2017-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (FL)

We recently applied for credit and discovered, to our surprise, that Commonwealth Financial Systems, Inc listed the following debt on XXXX : MEDICAL XXXX Collector : MEDICAL Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$50.00} Date of Status : XX/XX/XXXX Status : Closed There are several concerns regarding this debt : - First and foremost, I have full medical insurance coverage and this debt could not have possibly have been incurred in XX/XX/XXXX. 

- I recall having seen a collection of {$50.00} previously on my XXXX Credit Report but under a XX/XX/XXXX date and XXXX deleted the debt. However, it appears to resuscitate and is reposted again and again on my credit report ; each time under different Collection Agencies. 

- I 've been receiving numerous phone calls on my home phone and recently received one on my cell phone whereby the woman did not identify herself nor her organization and just said, " Hold on please, I 'm going to transfer your call to the person who called you ''.
The Fair Debt Collection Practices Act specifies that debt collectors can not : conceal his or her identity on the phone.
- The Statute of Limitations for a contracted debt in the state of Florida is five years.
- I have received a letter attempting to validate the debt and have responded accordingly. See attachment.
- I reviewed experiences that others have had with this company on the internet and they appear to be a nightmare. I fear that my letter of denial and request for verification of debt will be ignored and I will continue to receive calls and correspondence.
Consumer complaint received 2022-04-14
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. (MO)

15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - CIVIL LIABILITIES XXXX  XXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX - XXXX - Account should have never been reported to my credit, I also have a letter from the original saying it will be removed from credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school XXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school. Letter is attached Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Vehicle Solutions Corp (FL)

My initial contact with XXXX and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from Vehicle Solutions Corp was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to Vehicle Solutions on three separate occasions requesting that they remove the account from my credit reports. To date Vehicle Solutions Corp is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, Vehicle Solutions and XXXX.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (IL)

Someone has attempted to fraudulently open banking accountings with US Bank, XXXX, and XXXX bank using my personal information. I received notices from each of these banks requesting me to verify my account information. US Bank directed me to file this report.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NC)

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2022-03-11
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)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX