davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

I completed a police report on XX/XX/XXXX. sent a certified letter to I.C. Systems on XX/XX/XXXX and XX/XX/XXXX for validation of the debt and got no response. active fraud alert is on file with all XXXX credit bureau 's
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the creditors ( XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCC Business Services, Inc. (VA)

I received a voicemail asking me to return a call, which I did. The person I spoke to told me that I owed outstanding hospital bills. Part of the bills have been paid and I am waiting for a settlement in the case to pay of the remaining XXXX expenses. My lawyer has been in contact with the hospital. 

The debt collector became very hostile and abusive as I tried to explain this and kept insisting that I had to pay. I ended the call because it was very upsetting to be yelled at. 

NCC Business Services is the name of the debt collector.
Consumer complaint received 2022-01-12
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)

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (TX)

Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

Prior to complaint # XXXX. I received a letter dated XX/XX/XXXX, from Equifax stating the company could not locate me in their database and I need to send additional information to be located in the database and my request for reinvestigation will be process. 

Per the letter request, I`m submitting my response though CFPB website because I want this matter to be handle properly. I have attached my social security card, driver license, and pictures copies of the inaccurate account that need to be removed from my report. 

Per bureaus guidelines, I have already submitted a complete report from all 3 bureaus showing the inaccurate accounts reporting in XX/XX/XXXX by certified mail. 

Per my request, please reopen complain # XXXX and reinvestigate this matter.
Consumer complaint received 2018-10-04
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. (MN)

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX., XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX - XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX,
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 120 days late in XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore is falsely reporting information to the credit bureau regarding a Loan Modification as of XX/XX/2021 and we never requested a Loan Modification. They are negatively impacting our Credit Scores due to this false accusation and misrepresentation on all 3 Credit Bureaus! We did not request a Loan Modification under COVID-19 and have been paying our Mortgage bill every month before 30 days. We have never requested a Loan Modification for XXXX XXXX  during COVID-19 and this is a form of Discriminatory practices against XXXX XXXX American Homeowners who are attempting to Refinance their homes. They always attempt to block XXXX XXXX Americans and negatively impact their credit and we are submitting this complaint to have them remove the FALSE Flag they have placed on my husbands credit file as of XX/XX/2021 and my credit file as well! This is pure Greed and Discrimination exhibited by Rushmore Loan Management Services. You have no right negatively impacting our Credit scores and we did not request a loan modification under COVID-19 nor did we sign any agreement or paperwork requesting this falsified request!!!!
Consumer complaint received 2021-05-06
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. (VA)

I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted Transunion on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

From XX/XX/XXXX to XXXX of XXXX i lost my job but contacted capital one for payment arrangements. Everything was set but yet they still reported me as late, despite them informing me on the calls that this will not be the case.
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: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
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. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

None is the questions in the beginning of complaint really relates to my chief complaint. My complaint is that I have a XXXX XXXX  credit card, I make all payments on time with Regions bank! My payment history are exceptional!! Well on XX/XX/2021 I made my XXXX XXXX  credit card monthly payment in the amount of {$290.00} via phone. Then on XXXX XXXX I made a double up payment to my XXXX credit card account in the amount of {$930.00}. However, since making the payment, I haven't noticed my payments made in XXXX being reported by XXXX XXXX credit card accordingly. Them not reporting my payments aren't helping my credit or my score but tearing it down and depriving me of a potential elevation in my score as well being recognized for making not only my monthly payment on time but I have made in addition to my regular monthly payment a triple payment to my account and I deserve the right to have my payments recorded in the proper time frame but routinely every 30 days.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I was notified by my ID credit reporting company of a negative report being filed by XXXX XXXX XXXX. I am  requesting in writing an explanation as to how my active disputed acct balance,  since, XX/XX/XXXXHas now been "expressed tracked" to a negative hit on my credit.My deputed balance has not been resolved due to Banks on- going avoidances to address my dispute if balance and handling of my acct.Please respond in writing thru reffering agency, as you company has no reporting person, for me to work with, to address concerns.Hx with company: cfpbXXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My attachments will describe the issues which involve : 1. XXXX  failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (TN)

Approx. XX/XX/2022, {$400.00} from XXXXXXXX XXXX  XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.
Consumer complaint received 2022-04-29
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: CL Holdings LLC (AR)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1668B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for an purpose
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to Transunion, XXXX XXXX XXXX  XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. 

Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/XXXX
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MN)

My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX   repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX  XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (CA)

Our loan servicer, Midwest Loan Services, has applied a charge of {$760.00} to our home loan with XXXX XXXX XXXX XXXX XXXX. This fee was charged because our insurance provider dropped our earthquake insurance. We were unaware of the drop in coverage, but quickly re-established the coverage. 

On XX/XX/2018, I called Midwest Loan Service and stated that we restored insurance coverage. Our loan servicer has acknowledged that we restored insurance coverage, but that there was a lapse of coverage for two months. Our loan servicer stated that Midwest Loan Service will charge us {$760.00} for the lapse of two months. We complained that the drop in coverage was not because we did not have a lapse in payment, but because our insurance provider decided not to provide earthquake insurance for our area. I then emailed our bank, XXXX, and asked them to resolve this matter. 

On XX/XX/2018, I made another call to Midwest Loan Service, and asked for a supervisor. I demanded to remove this fee. Our loan servicer explicitly stated, " NO! '' I then demanded to reduce the fee to something commensurate to two months of coverage. The loan servicing supervisor explicitly stated, " NO, we will not do this for you! '' Please help us resolve this matter. Charging {$760.00} for a two-month lapse in hazard insurance coverage that occurred in the past is punitive. This amounts to over {$4600.00} annually. This is crazy!! 

Please help.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (PA)

On XX/XX/27, late evening, I was trying to purchase rare livestock and was planning to use Venmo to secure the purchase. 

I had driven all the way to the location to pick up the animal and tried accessing the app to pay the other party, but the app refused to send my money stating there was internet issues, even though we tried two wifis and data only, restarted the device, tried force stopping the app, tried uninstalling and reinstalling the app... Nothing worked and in fact, when attempting to log back in to the app, the app refused to accept my password, and then refused to send me a password reset link for several hours... I believe you can clearly see evidence of damages here and when attempting to have the company address the issue, the denied any issues on their end even though they admitted that the app sometimes doesn't work if your phones normal device settings are on ... i.e. you can not have WiFi and data turned on sometimes... The app does not have this info posted anywhere for consumers to access nor is that solution viable to what I experienced.

The app owes me money and I would like them to do the right thing for making a costly mistake that only affected me.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I contacted my current lender to refinance my current mortgage, to free up room on my line of credit, with a cash out 15 year loan. 
Throughout the process I made it clear that I wanted to keep the HELOC ( 2nd ) and pay it off. This {$200000.00} line of credit is very important as I am a XXXX XXXX and need to expand. 
At the signing of closing documents we noticed a form to terminate the HELOC. We declined to sign and we immediately called our mortgage broker who stated just to decline signing the form. We did not sign the form and wrote 'declined ' as instructed. 
One week after closing we find that the lender requested termination of our HELOC. They stated it was their error but that there was nothing they could do to correct it and our timeframe for the right to cancel had expired. 
We went up the chain of command but was told nothing could be done to correct the error. 
We are now without any line of credit We feel they completed this loan process fraudulently.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC (VA)

I purchased a used vehicle in XX/XX/XXXX, then got a divorce and my child support impacted me being able to pay for my vehicle around XX/XX/XXXX and called to voluntarily turn the vehicle in. They had the vehicle picked up and said they would send it to auction and I haven't heard from them since XX/XX/XXXX. Now in XX/XX/XXXX I receive a subpoena to court and reports to my credit that I owe them a balance of $XXXX.
Consumer complaint received 2022-10-26
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: OneMain Finance Corporation (MI)

My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Consumer complaint received 2022-04-28
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: STATE EMPLOYEES CREDIT UNION (NC)

This Credit Union of North Carolina State Employees to be exact is reporting old information. They have received the property back plus, charged off the account, and is still reporting on since XX/XX/2014. This account has been written off why is SECU violating me on this matter of still be compensated for an account that has been written off plus has received property back over 7 years ago. Please cease with the illegally furnishing allowing me to still lose on deals because of this matter
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (OH)

At this very moment this collection is hindering my husband and I from moving into a home that we can afford. It's very stressful and hard jumping from apartment to apartment and still maintaining two car loans. I'm very stressed out and this is really affecting my ability to succeed in society as well as it's affecting my relationship with my husband. Being in this position does not allow me to put my children in a good schoo, get them assistance they need when visiting hospitals, on top of that I'm on falling deeper into debt due to my credit because of having to pay higher than normal fees. I currently have no criminal history no felony or misdemenaor. But yet I'm unable to purchase the home of my family 's dream. I hope your day is going well, but I need your help. I noticed the following issue with this account on my credit report. I did not authorize nor know anything about this account listed. This is a fraudalent account. I know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )