davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

I submitted an rma to my servicer as my income and hours are affected a lot it took a good couple months to finally submit the forms they needed to start reviewing what kind of help I can get at some point I look at the status of my application and noticed it was cancelled when I called I spoke with an account manager who was assigned for this process and I was told it was a glitch in their system and case was reopened the status then showed the underwriter will post or mail a decision of which programs I will qualify for and I had nothing to worry about as I am awaiting a desicion I called just last Friday to learn I can ask for the last 90 days of forbarence well I didnt ask I was offered that over the eeekend I check my online mortgage info and come to this status loss mitigation review cancelled notice was mailed I was shocked as to I have been waiting since before XXXX to see what options the underwriter has for me turns out to tell me because I went back on forbarence my application was cancelled I spoke with a account manager and she was getting the higher manager approval to reopen the case and advise me by this coming Friday to what decision they will make with all this I have had this loan with Usbank since I bought the house in 2006 and not once I missed a payment it honestly is very rude and destroying for someone that faithful to their system and how good they are making things so now I dont know if there will another glitch in their system or what the underwriter will reopen the case and give options of better than just put the amount of the forbarence to the back of the loan and resume payments I was asked what would get me off the hardship and start payments? I suggested to lower my APR I am at 6.725 and the market rate is at 1.99 % I saw today doing my math to adjust my apr will defenetly make my payment affordable so I am asking the lord of you people to help me as much as you can please those people are just killing time and think people are stupid
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I tried to dispute with the pro collect co. 
1.this co call the 27 times XXXX before I find out was collection agency without notification Letter. they say they can not find my file, so ignored it. still calling me. 
then they said file disput through their website. 
2. once I found out disputed right away but still got calls everyday 3. still got calls 36 times after disputed XX/XX/2022, 4. I received letter from them on XX/XX/2022 that I owe money for {$1600.00} wrong statement. sent mail disputed letter with all the documents that I don't owe money. 
5. No response, just keep calling every day. yelling at me not to use speaker phone 6. Impossible to work with this co.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Axela Technologies, Inc (IL)

I received the attached communication by US Mail on XX/XX/2022. The collection agency is attempting to collect debt that is not owed by me or anyone known by me. In the attached correspondence, the collection agency threatens to report me to the credit agencies, damaging my credit. I attempted to call the company at the number provided, but a recorded message stated no one was available to take the call. As I am not involved in the debt or the property the debt refers to, I do not wish to give the collection agency any of my personal information, and I want them to desist from contacting or harassing me.
Consumer complaint received 2021-06-09
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. (PA)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (GA)

I sent a registered/certified mail letter to ProCollect which was received on XX/XX/23. In this letter, I disputed the dept and included the verbiage " All future communications with me must be done in writing and sent to the address noted in this letter by USPS. '' However, I received multiple phone calls from ProCollect on XX/XX/23 and again on XX/XX/23.
Consumer complaint received 2022-01-13
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. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-04-30
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX AUTO XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} EQUIFAX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXX Balance {$2600.00} XXXX XXXX XXXXX Balance {$0.00} WORLD XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Consumer complaint received 2022-04-30
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXX Balance {$2600.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Consumer complaint received 2022-04-30
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. (WY)

We Applied for and was approved for Covid forbearance, when we applied and was approved we were current on our fha mortgage. When we were coming out of forbearance they sold the account to XXXX, we worked out a loan modification with XXXX Fast forward to today we are selling the house involved, its under contract due to close XX/XX/XXXX We applied for and got denied for a new mortgage due to loancare the original loan company not reporting the payments as late but what they did do was write in the status more than 120 days late. This is the only reason our new mortgage was denied Per the Covid forbearance laws it was stated if you were current on your mortgage when you were approved, which we were then there will be no negative impact to your credit I have emailed and called loancare and have gotten nowhere on getting this resolved
Consumer complaint received 2022-04-30
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. (MA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-04-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

It has been over 30 days and creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and must delete my late payment on my credit report. 

Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. 

I sent a letters to the credit buraus so that they can validate this account on XX/XX/2023. I still haven't heard back.
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (NY)

While I was attending school at XXXX College I took out a private student loan. I graduated in XX/XX/XXXX and 6 months later Discover bank contacted me and stated I owed {$800.00} for my monthly student loan payments. I explained to Discover that I was not making enough money to pay that and asked about a payment plan being worked out. Discover Bank turned me down multiple times stating that they do not do payment plans. Finally my mother XXXX XXXX ( co-signer ) and myself got a lawyer XXXX XXXX of XXXX, NY to help with Discover Bank. On XX/XX/XXXX myself and my mother XXXX XXXX signed a payment agreement contract with Discover Bank lawyer XXXX XXXX of XXXX XXXX XXXX stating that in 10 years I will have paid the loan off of {$74000.00}. Since then I have been making the agreed payments every month however Discover Bank is reporting it to the credit bureau that the loan was " In Collections/Charge-off '' and it's " charged off as bad debt Dispute resolved ; reported by grantor 's ''. I have disputed this with XXXX  by sending them my payment history of my mothers bank account where it shows no payments have been missed because the checks are being cashed. XXXX then passed it on to Discover Bank and Discover stated after there investigation that they are reporting it correctly and it will not come off my credit report until it's paid in full. This was not an issue until recently, from XX/XX/XXXX to XX/XX/XXXX they were reporting it as making agreed payments now all of sudden Discover Bank is reporting it as stated above. This is a very serious issue because I am trying to buy a house for my family and because Discover Bank is reporting incorrectly they will not approve for a mortgage.
Consumer complaint received 2022-04-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-01-25
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. (SC)

I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques (CA)

I had a XXXX XXXX credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TX)

I've received multiple written notices and calls from Sequium Asset Solutions regarding a {$600.00} debt to XXXX XXXX that I don't owe. I have contacted XXXX XXXX to confirm that they don't have any collections against me and they do not.
Consumer complaint received 2023-01-18
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/2022 I paid off the amount I owed to the CC company. On the same date, the CC company states that I have overpaid. I called in and was issued a refund of the amount I overpaid ( - {$4.00} ). On XX/XX/2022 the check was issued and sent to my home address. After I received the check, I deposited it into my bank account. The amount the CC company issued and the information on my statement were different ( the check was issued in the amount of {$4.00} instead of {$4.00}. I once again called the CC company ( Comenity XXXX XXXX  ) and asked them about the discrepancy. Instead of having a proper explanation, Comenity stopped the check which caused my bank to charge me a fee for a stop payment service of {$12.00} dollars. I called Comenity again and requested an explanation and a refund of the fee my bank charges me. Comenity deposited the {$4.00} to my bank account directly. The refund for the bank fee is still not paid. I am requesting Comenity to issue the check in the amount of {$12.00} to refund the bank 's fees. Thank you
Consumer complaint received 2021-06-09
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. (VA)

I filed a dispute twice with Experian on a Department of Education collections account that I insisted was out of date/inaccurate/ or possibly fraudulent based on my multiple calls with DOE and my loan servicer XXXX  , who said no such collections account existed under my SSN and that the loan in question had been canceled in 2007, and was unequivocally not in collections now. Experian quickly " investigated '' my 14-year old canceled loan and closed both my disputes within 24 hours by saying that DOE verified the information about it being in collections, that all was correct, and then they ( Experian ) updated my 14 year old loan to a brand new " in collections '' status with some horrible derogatory remarks added and plunged my credit score by 40 points overnight. I immediately called the DOE myself to demand how on earth they could have confirmed non-existent information to Experian, when they ( DOE ) themselves said multiple times the collection account doesn't exist. They had no idea and were just as confused as I was. They had me open a case with the DOE Ombudsman, which is still ongoing. Nobody had any idea what I was talking about in regards to this Experian decision ... I just did NOT exist as a collection/default account. There was nothing DOE could do for me. I suspected fraud for a while. At least ten more increasingly desperate and emotional calls from me to Experian finally unearthed the answer : the collections account being reported in my name was under the wrong social security number. That's why nobody at DOE could find it. Experian had never bothered to check that the SSN they had on file for me matched the one the collections agency was reporting it! All they did was just re-report the wrong data from the creditor and destroy my credit. They verified nothing that they had promised to investigate. I have re-opened the dispute, although they say it is now up to DOE to fix their reporting and " stop sending them bad info. '' I am incredulous that Experian weilded their considerable power to destroy my credit by missing such an obvious and basic error like an incorrect social security number on a reporting account from a creditor. I have all the proof I need to fix this, but I wish I could go back in time ... if I had never disputed the bad info, I would still have those extra 40 points on my score. I would have just let the bad data stay on instead of going through this XXXX. How is this fair credit reporting?