davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SUNRISE CREDIT SERVICES, INC (MA)

Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me!
Consumer complaint received 2015-05-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (RI)

Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (PA)

I applied for credit with XXXX to purchase a XXXX XXXX cellphone I was given {$3.00} in credit to purchase the phone from TD bank. 
When the phone was sent to me through XXXXXXXX I told the XXXX worker to please return to sender I did not want the phone with in the same day of the delivery Td bank put that I owe {$710.00} for the phone I made numerous calls to XXXX to pay Td bank for the return cellphone XXXX has not responded to this date XXXX financing account number is - XXXX XXXX is trying to scam me to pay for a phone that was return I enclose receipts of return.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert J. Colclough, III (WV)

Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.
Consumer complaint received 2016-02-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.
Consumer complaint received 2020-05-30
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. (FL)

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to Experian on multiple occasions and they refuse to remove this from my credit report..
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.
Consumer complaint received 2021-09-20
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: Financial Management Solutions, LLC (MD)

There are numerous inaccuracies on my XXXX Credit report, that I have brought to XXXX 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

Financial Management Solutions is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, XXXX has failed to remove this account and continuously avoids correcting any inaccuracies.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. act # XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.
Consumer complaint received 2021-05-24
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)

On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (NV)

on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. 
usps certified tracking number ; XXXX account number XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC (TX)

On XX/XX/2021 ENVOY MORTGAGE LTD sent me a statement of credit denial. There decision was base off several reasons. The length of time accounts have been established, time since most recent account opening is too short, too many accounts with balance, balance to credit limits too high, and number of inquires on account. There decision was base off a third party XXXX, XXXX, and XXXX. Also the company use false information saying these laws for there decision was base off the Fair Credit Reporting Act. I reach out to the company about the adverse action letter stating you can't be denied for credit on an adverse action, you can only be denied for insurance and employment only. ENVOY MORTAGE LTD proceeded and told me it doesn't mean I got denied for credit according to the Equal Credit Opportunity Act they have to send that form. I, XXXX XXXX extended my credit to ENVOY MORTAGE LTD and the company was the only one benefited from the deal by denying me credit. I sent them information about this and the company never responded! The amount was XXXX dollars.
Consumer complaint received 2020-07-13
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. (NY)

XXXX XXXX XXXX XXXX is showing delinquency on my credit report when its not I was never late and they transferred this account to a new bank so I dont understand why they would report it as an negative item on my credit report this is unfair
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland filed a civil complaint in court. Per arbitration agreement in the credit card agreement, I am entitled to private contractual arbitration. I elected arbitration timely : I sent a letter electing arbitration to the attorney ; I also filed a motion to stay pending arbitration. XXXX XXXX XXXX ( XXXX ) is the former specified in the arbitration agreement. I then filed with XXXX a demand for arbitration. However, Midland refuse to arbitrate by no complying with XXXX 's request to adhere to the policy regarding consumer claims. In all, my complaint is that Midland is suing me ( consumer ) for contracts with arbitration terms but refuse to arbitrate.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

I was notified in mid-XX/XX/2020 that I was going to be laid off from my company due to COVID-19. As a result of the personal issues caused by the layoff notification, I missed a minimum payment of roughly {$35.00} to Chase on my credit card and it was reported on my credit report as 30 days late ( the only negative item on my credit report from Chase Bank ). Please note, I did attempt to log in once at the beginning of XXXX to see if I had any balance, but I received a system error multiple times when attempting to log in. I did not receive a notice of any overdue payment via mail or via email from Chase, so I did not believe I had any amount due. 

At the beginning of XX/XX/2020, I received a credit monitoring notice that I had a 30 day late payment reported on my credit report. At this time, I was able to log in to the Chase website and found the account with a small amount due. I paid the entire credit card amount due at that time. I called Chase to attempt to work with them on this missed payment ( that was a result of COVID-19 hardship ), including paying off the balance of the card entirely and setting up an auto-payment going forward. They were unwilling to remove the negative report on my credit report or defer the amount due in spite of the COVID-19 hardship.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

Last year we completed a loan modification with Mr. Cooper. Prior to the loan modification we would receive usually 1-2 calls a week regarding when we would be making our payment. We weren't late, they just called to find out when to expect payment. Since we completed the loan modification we are now receiving 1-4 calls per day Monday thru Saturday starting as early as XXXX : XXXX. I have asked them to not call as frequently as I am still not late with the monthly payment, but they continue to call 1-4 times daily. I have a record of their calls from my home phone that I have placed on a spread sheet to show day, time and phone number of caller. It isn't usually the same person, calling it varies. These calls continue until I finally make the payment usually around the XXXX of the month. Still not late until the XXXX of the month. Is it legal for them to call us 1-4 times per day asking when to expect payment?
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (IN)

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 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with Experian, XXXX and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

Experian, XXXX and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disturbed that you continue to list the dismissed XXXX as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXX, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (OH)

I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.