davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

My loan was transferred to this company from XXXX XXXX XXXX  To go from a modern " up to date '' system, to the horrifying experience MyLoanCare is, is probably an understatement. 

Their website constantly has issues in all aspects. Had a 3 month fiasco of trying to submit my home insurance proof to them and they still haven't input it into their system. 
Had trouble paying for the mortgage online using their system as it would have user verification issues. The site looks like it was built in 1991. 

Their customer service is not helpful. In my experience with them, I can only recall one time the customer service representative wasn't rude. Many times was told conflicting information and have been charged late fees because I followed instructions given to be by the representative. 

I really appreciated their forbearance program, as it was crucial in my families survival with minimal income and I'm grateful for that ... but their site wouldn't register that I was on the forbearance plan and kept trying to charge me late fees. It seemed like their ENTIRE System didn't register I was on their forbearance plan because I would constantly receive reminders via E-Mail or Postal Mail saying I should use their forbearance plan. When I would call about being on the forbearance plan, their customer service representatives would tell me I was late on payments and I will receive multiple penalties. 

The latest incident - currently trying to handle - is that when trying to close on my apartment, buy a new home, and close the loan, they won't send the final mortgage amount to my escrow company and I am in a contract to have to pay a fee for every day the escrow company doesn't receive the final loan amount. It's extremely frustrating because they said every time I call about checking the status of this, it RESETS the claim and sets back the process and restarts the clock back to zero. I don't understand how the company is still in business.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (UT)

Dear Fair Collections and Outsourcing : I am responding to your contact about a debt you are trying to collect. I recently pulled a credit report and saw that there is a collection out for {$93.00}. XXXX  XXXX University is the original creditor and the classification is medical or health care. I have not been contacted ever regarding this debt, either by the original creditor or the collection agency. I would have been happy to pay the creditor originally if it had been brought to my attention. I would like more information to understand if this collection is legitimate and if I should pay. I reached out personally to " Fair Collections and Outsourcing '' in the form of a letter in XXXX and have mail confirmation that they received the original letter. I have not heard any response back.
Consumer complaint received 2022-04-05
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-05
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (NV)

I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

STEVEN BUSINESS SERVICES XXXX XXXX- # XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (NY)

I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

AD ASTRA RECOVERY SERVICE ( 12 SPEED CASH 16 ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was awarded unemployment benefits over 4 weeks ago. I never got a card from Bank of America EDD because they never sent one. I called them and asked why my money hasnt been transferred to my bank account. I had it set up to transfer. They said well you have to to that with your new card, but we never sent you one. 
So they said they were sending a new card. Here it is over a week later and still no card. I called them and they said I have to wait up to 14 days to get the new debit card. I asked why dont you just transfer the money to my bank account. They said we cant do that because you have to set it up with your new card. 
So I have been waiting 6 weeks now for my unemployment debit card from the thieves at Bank of America. They say there is nothing they can do. They say I just have to wait. 
They also asked me if I k ow how many people they are dealing with. I said no its not my concern.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Inquired on XX/XX/, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name : XXXX Inquired on XX/XX/, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/, Account name XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name XXXX XXXX XXXX XXXXY Inquired on XX/XX/XXXX Account name XXXXXXXX XXXX  Inquired on XX/XX/, Account name XXXXXXXX XXXX  Inquired on XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-10
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. (PA)

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$970.00} XXXX  ( Original Creditor : XXXX XXXX ) -XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00}
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

I have a collection account for {$210.00} on my XXXX  credit report that was reported on XX/XX/20 that isnt mine. I have contacted XXXX  and Ive disputed the account multiple times. XXXX  states that the account is verified and accurate. On XX/XX/20 I contacted CCS collections who is the company reporting the account as well as XXXX who is the original creditor. CCS agent said that the account is no longer being reported from their offices and I should contact XXXX. I spoke with 5 to 6 different XXXX  agents who obviously couldnt find any account under my ss #, address, or phone # because it doesnt belong to me. XXXX  should immediately delete and remove this account which is hurting my credit score.
Consumer complaint received 2022-04-05
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

After making a large payment of {$8000.00} towards my balance, Barclays reduced my credit limit to {$1700.00}. This was done without ever receiving a late payment. They've ruined my credit while I am applying for a home loan.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC (MD)

After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (CA)

You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( XXXX ) mandated that on XX/XX/XXXXXXXX XXXX XXXX XXXX effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the Biden administration that was put in place to protected classes as myself and this company is not in compliance to this law.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

roughly on XX/XX/XXXX I spoked to a Rep from Chase. Her name is XXXX. SHE HAD ADVISED SHE WOULD DEDUCT {$1300.00} IN FEES AND INTEREST AND LATE CHARGES. THE PROBLEM IS SHE WAS SUPPOSE TO CALL BACK ON XX/XX/XXXX AND DISCUSS WHAT SHE WAS DID ON XX/XX/XXXX. NONETHELESS, NO FEES, LATE CHARGES OR ANYTHING WAS DONE ON THE ACCOUNT ( CREDIT CARD ) NOR DID SHE CALL BACK ON XX/XX/XXXX. I CALLED AND LEFT A MESSAGE WITH NO CALLBACK. I HAVE BEEN STRICKEN WITH THE XXXX AND LOST MY JOB. WHEN I TALKED TO SEE, SHE WAS GOING TO CALL BACK TO SEE IF WE COULD DO A DEBT SETTLEMENT. FOR {$3500.00}. AGAIN SHE NEVER CALLED BACK. I NEED HELP, I CAN NOT PAY THE WHAT IS DUE ON THE ACCOUNT. PLEASE HELP.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (AZ)

collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX ... .never done business with companies
Consumer complaint received 2021-02-23
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. (TX)

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXX XXXXXXXX reported I was late 60 days both months to XXXX . The same company reported I was 30 days late both months to XXXX and Experian.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JDJ Investments, INC. (TX)

CBS collections at XXXX XXXX XXXX, XXXX, La, XXXX has been calling me for debt collection notices in the amount of {$4200.00} the collection has been report as past due balance. I do not know this company. I have never done any business with this company. This company does not have the contract with my signature.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (PA)

I submitted applications for a business line of credit on XX/XX/2023, and XX/XX/2023. The applications were denied on XX/XX/2023, and XX/XX/2023. The reason given was serious delinquencies in my credit report. These reason are absolutely false as I have had no delinquencies and wells fargo approved my for a business credit card about 6 months ago. My credit score is good and my business score is good. I have seen in the media that wells fargo was sued for discriminating against XXXX and XXXX XXXX for mortgage and lending practices. I feel discriminated against because there is no other reason for denial of my business line of credit application.
Consumer complaint received 2021-02-23
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 was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.