davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (OH)

I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I had a few hard inquiries and a charge off on my XXXX credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.
Consumer complaint received 2021-10-10
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. (MD)

Dep Of XXXX : Inaccurately, inconsistently, and unfairly reporting. Additionally, Transunion, XXXX, XXXX are parroting inaccurate information. 

XXXX : Is inaccurately reporting OLDER DERAGETORY EVENTS on my consumer reports. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all being reported as 90 days late in a 30 day period. This is mathematically impossible to report 90 days late in a 30 day period. This is a clear FCRA violation and Metro 2 violation. 
I want this inaccurate, inconsistent reporting deleted from my consumer file. It is costing me much pain and anguish and costing me higher interest, and loan denials. 

TransUnion : Is inaccurately, inconsistently, and unfairly reporting on my OLDER DERAGETORY EVENTS on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; all are being reported as 90 day late in a 30 day period. This is impossible. there are no 30, 60, day 's late being reported.

This is a clear FCRA violation and Metro 2 violation.

I want this inaccurate, inconsistent reporting deleted from my consumer file. This reporting is costing me much pain and anguish and costing me higher interest, and loan denials. 
XXXX : Is inaccurately, inconsistently, and unfairly reporting my OLDER DERAGETORY EVENTS, on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, is reporting 90 days late in a 30 day period. There is no 30, 60 day, sequence, this is inaccurate and inconsistent reporting. Please delete : XX/XX/XXXX, XX/XX/XXXX from my consumer file, this is costing my pain and anguish, my XXXX XXXX is high due to higher interest rates and credit denials, I have received due to this inaccurate reporting.
Consumer complaint received 2018-06-14
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. (GA)

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX,  Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA has illegally held my funds since before XX/XX/XXXX and will do so until XX/XX/XXXX its over {$5000.00} Ive executed every angle and every rep tells me a different story Then I speak to both the fraud department and I got a call back from the manager request this past Monday to tell me they were sorry and were going to expedite the closure of my account and send my check I call today to find out it was all XXXX  Ive called a record of 56 times I have driven 3 hours and waited in line for two hours just to get nowhere Im sick to my stomach in debt because of this Im about to lose everything because of USAA and their XXXX  I have no documents and no letters in the mail stating any of this I want my money because I need it now please help me My mother passed away yesterday I need my money for her funeral and I can prove everything I say and everything they have done and all the recorded conversations
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! XXXX  shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from XXXX Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from Kohl 's Company in XXXX. I never have applied for credit with Kohl 's, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX XXXX and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY FICO SCORES, including but not limited to, XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT CARD, etc. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-11-29
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. (NV)

Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX Metro Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Consumer complaint received 2020-12-09
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: DISCOVER BANK (CO)

XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! Experian shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from Discover Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX  doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY XXXX SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

I have an account reporting from Conserve that is not a valid debt owed to XXXX XXXX University. 

I was forced to flee XXXX XXXX for my own safety. I've appealed the tuition fees that are in collections with Conserve. 

Conserve refuses to remove the false information from my report even if I pay them. XXXX XXXX will not allow me to work with them directly. 

Conserve is damaging my credit with a debt that is not owed and will not remove the negative information from credit reporting even though I told them I was willing to pay it and it was false. 

My debt has not been validated, I have not received any notification of money owed to XXXX XXXX or to Conserve. 

This must be removed from my report.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I just want to start out by saying that Im a XXXX  woman. In XXXX at XXXX  years of age I bought my first brand new car. I took a really high interest auto loan through the dealership - 17 %. They assured me if I paid on time for even just 6 months I could start the refinancing process and pay much less monthly. I struggled a lot keeping that car, it was actually repossessed ( temporarily ). I called a credit union and had my loan refinanced in one day - my monthly payment dropped over a hundred dollars. Fast forward to XXXX when my XXXX XXXX  fianc and I bought our first vehicle together. Our credit was not in good shape and there was a lot I didnt know about back then such as disputes. Capital One offered us a 19.04 % interest rate auto loan. We have been paying on it monthly since XXXX of XXXX and its XXXX near impossible to refinance, that exceptional payment history doesnt mean anything apparently for him. Its so disheartening because I told him how easy it was for me to refinance and I think he didnt believe me at first. Its wrong to take advantage of people like this.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

Hello. 

On XX/XX/XXXX I was a victim of Identity theft. Someone got into my e-mail address and my XXXX account, and through that got into my Gemini.com account. I caught the problem within 20 minutes and got control of my e-mail back, but the thief had changed the e-mail address on my Gemini account. I have the e-mail trail of this which means I can identify the e-mail address the thief changed it to as well. 

I tried to contact gemini through several avenues including XXXX, e-mail and through their website help section. That last one got a response. I got an e-mail telling me to change my password and asking a few basic questions. I told them I could not change my password as I was locked out of my account because someone hacked it and changed the info on it. They then told me they were temporarily locking my account and would escalate this to " another team ''. I asked them how long that would take to no response. I asked them for any timetable at all to no response. I asked them if I had a support ticket number to no response. They have completely stopped responding to me. 

So then I turned to XXXX and messaged @ Gemini on Friday XX/XX/XXXX. I told them all of the above. The XXXX account told me it would be escalated to " Customer support '' and someone would contact me soon. I asked how long soon may be to no response. I asked if that meant today to no response. I asked the next day the same thing to no response. I asked again today to no response as of yet. 

I have even tried this morning messaging one of their mods on XXXX to no response yet. I do not want to wait months for this account to be unlocked and returned to me. I have screenshots of all of this if you need it but it says right now not to include personal information and it has my e-mail addresses and so on in them. I can provide them if you want.
Consumer complaint received 2020-11-03
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. (GA)

My student loans are reporting incorrectly on transunion and on XXXX  credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.
Consumer complaint received 2020-11-03
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. (MI)

I cosigned for my XXXX on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was bought by Mr Cooper/ Nationstar Mortgage XXXX in XX/XX/2021. My homeowners insurance was due and not paid by Mr Cooper. I called Mr Cooper and they issued a check but my ins co did not receive it and I was receiving cancelation notices. I called mr Cooper and they cut another check to the ins co and sent overnight. For a total of two debits of XXXX from my escrow account. Since then Mr cooper has not credited back one of the XXXX payments to my escrow account that they deducted resulting in my payment being increased. I've made several phone calls and spoke with both customer service and the escalation department and this has still not been resolved. I escalated to a manager and was told it would take 48 hours for a call back and never received a call back. In addition I've made an additional escrow payment of approx XXXX which has yet to be reflected in my escrow account as well. 

Need both amounts added to my escrow account and monthly payment reset back to my original amount.
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.
Consumer complaint received 2021-06-04
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. (TX)

This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with XXXX  and they stated the information was correct. This reporting information is not true.
Consumer complaint received 2020-11-17
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: Bread Financial Holdings, Inc. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2021-04-09
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)

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out XXXX room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance XXXX, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies (   XXXX   XXXX   XXXX   ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do  so.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (FL)

I applied at Sprout Mortgage over 90 days ago. Worst process ever. After 90 days I finally was told the loan was approved. They then waited another 3 weeks to schedule my closing. Due to delays on their end ( their words ) they have now raised my rate twice and said they have to redisclose again the new rate and that would not take 3 more weeks. It is like groundhog day over and over and they keep charging me more money and higher rates. I went online to look at reviews and there are hundreds of others in the same boat with Sprout. They need to be shut down before hundreds more get taken by them. I am a single mother and this has really hurt my family. I am a super qualified borrower so this should not happen. PLEASE LOOK INTO SPROUT MORTGAGE ASAP.