davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc. (NC)

Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, XXXX ). 
Consumer Portfolio Service failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : XXXX ) Sincerely XXXX XXXX
Consumer complaint received 2021-11-08
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. (FL)

I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Amsher Collection Services, Inc. (CA)

I got a call from XXXX, saying that I owed {$230.00} to XXXX. He said to call back at XXXX. He had my full social security number. This happened on XX/XX/2020. They claimed to be from AmSher.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XX/XX/2020 TransUnion provided XXXX XXXX XXXX. a credit report. My report is sealed and I did not consent to the disclosure.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.
Consumer complaint received 2020-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

Hello my name is XXXX XXXX. I have a current FHA loan with Amerihome mortgage ( the mortgage company ) loan number XXXX. Do to the Pandemic of Covid-19 I applied for a forbearance in XX/XX/XXXX. I was told that I was approved by the mortgage company and was allowed three months. I called the Mortgage company because I wanted to get a better understanding of how the process of a forbearance works. I was told by the representative that once my three months are up my payments will be sent to the back of my loan, which is called a partial payment plain. 
In XX/XX/XXXX I started receiving calls from the mortgage company stating that i was 30 days late on my mortgage. I spoke to many representatives of the company and i was told that it was an auto dialer and they can not stop the calls. I was told not to worry because they are aware of my forbearance and nothing will happen to my mortgage. On XX/XX/2020 I received a Promissory Note in the mail from the mortgage company stating that i have to pay {$13000.00} to them. I called them and i was told that i needed to notarized the documentation i received and sent back via fax, or mail, so they can start the process of my Partial Claim Mortgage. I thought i was already approved so I was very confused. I still notarized the documentation and faxed to the mortgage company on XX/XX/2020. I called the mortgage company on XX/XX/2020 to verify that they have in fact received the Noticed Promissory Note. I was told by there representative that they are working on my loan and I was approved for the Partial Claim Mortgage and they DID receive my fax however they are back up do to Covid-19 and they will get back to me. 
The phone calls from the mortgage company did not stop I was always in communication with them. On XX/XX/2020 i received a phone call from the mortgage company but i was told that i am in jeopardy of losing my home. I was told by the representative that they never received my promissory note. Next day I overnighted by certified mail the documentation to the mortgage company. I waited a week before calling them to verify receipt of my documentation. When i did call them the representative told me that they get the paperwork however the paperwork was sent late therefore i was denied the Partial Claim Mortgage. However, the representative told me that I will get other package in the mail within 7 to 10 business days. I have called the mortgage company everyday since, and still no package have come in the mail from. Today is XX/XX/2020 and I haven't received any documentation or package from the mortgage company. But everyday I get a phone call from them stating i am late. The mortgage company is now refusing to take any of my payments. 
At this point I don't know what to do. i believe allot of my rights have been violated. My credit scored has been effected. And i am in fear of losing my home.
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

Refund from my purchase in XX/XX/2020 has been returned to PayPal. PayPal is refusing to release the amount only after 180 days to my bank as a wire transfer. 

Dispute Amount : {$150.00} USD Transaction ID : XXXX
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (CA)

I have got 3 Fraudulent hard inquiries on my credit file with Equifax. Upon checking my credit report, i saw the fraudulent hard inquiries and went to the local police station. I got sent out of the office with the request to file it with the Federal Trade Comission and get an FTC report. I had to send that to the credit bureau with the request to remove that. After i did everything what was told me to do so, Equifax did not remove anything. I called Equifax to see whts the status on my disputes. They told me that FTC its not a legaal document and that they can not remove the fraudulent hard inquires. XXXX and XXXX  did so, but Equifax came with the sense like, we dont care you have to go behind it and contact every bank where i got an hard inquiry from. Thats crazy!!! Consumer rightts is saying that the credit bureau HAS to do it in 4 business day to report to the banks where ever consumer gets fraudulent item reported to.
Consumer complaint received 2023-04-04
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. (NY)

I called both Equifax and XXXX about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both equinox and XXXX  to remove them and they won't do it. I have also then multiple letters to them
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX, XXXX and Experian are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, XXXX and Experian are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Consumer complaint received 2018-02-07
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. (NJ)

There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX XXXX - Past the statute - Remove XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX/XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XXXX, Equifax and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, Equifax and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Consumer complaint received 2022-04-29
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. (SC)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Everyday I get calls from Portfolio Recovery about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax continues to report inaccurate=fraudulent inquires on my credit report. I have submitted numerous ftc reports, written numerous letters, called multiple occasions, about three to five fraudulent inquiries still on my credit report, I have received letters from Equifax stating that they deleted the inquires, even still they are on my Equifax credit report. Equifax and there shady business practices need to be looked into. Equifax remove these inquires now! I have documented and attach below all proof of my words.
Consumer complaint received 2021-05-24
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: Bread Financial Holdings, Inc. (TX)

XXXX has continuously and falsely verified this alleged account. XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2022-01-11
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. (TX)

About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: G. Reynolds Sims & Associates, P. C. (MI)

In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now XXXX XXXX. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX,  through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting another person on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (CA)

Lending Club Bank formerly XXXX XXXX Account was frozen unknown time frame of when my checking account was first frozen. I attempted to log in but the system would not allow me to as shown in screen shots. I also tried a password reset but that did not work either. I also tried to use my debit card but that also doesnt work. 

Spoke to XXXX on XXXX did not have an answer for me said someone will get back to you in a few days I did not like that answer so she said she would talk to a manager to un freeze my account the same days. She advised me that she would get back to me within a few minutes that never happened. 

I called again on XXXX and spoke to a XXXX and all she did was put in a ticket to some mysterious review department and said the same thing that XXXX said, that someone would get back to me in a few days via email. 

I am not sure what operation they are running here but a normal bank would allow me to speak to someone and advise me of whats going on I am not sure what type of review I am under as they can not explain to me why my account is on hold.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was told by a Bank of America representative over the phone that as long as I made my payment by XX/XX/2020 ( COVID RELATED ) it would NOT negatively impact my credit. I was relying on BOA 's reps and warranties to be true and accurate. I later found out that the info that I was given was not accurate which then caused my credit to be negatively impacted because of this. The damage was already done by the time I was eventually told that this was not accurate. As a consumer I was/am relying on BOA 'S reps and warranties to be accurate and fully disclose any and all information at the time of speaking them. Especially during a PANDEMIC!!!!!!
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oracle Financial Group LLC. (TX)

First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. 
On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. 
This company is calling people to scare them into paying a debt they've purchased unvalidated debts.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX  a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX  ) XXXX Account # XXXX. Thank you
Consumer complaint received 2022-07-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

I have been violated by Discover on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc. (FL)

on or about XX/XX/XXXX or XX/XX/XXXX i was saposed to have went to the hospital an had a XXXX copay which with me being XXXX an XXXX level living i dont pay copays ..this is an attempt to steal from me in an unethical way ..i tried to explain this to the women who then said quote we will see what it does to youre credit.then she hung up..