davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-21
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: ID Analytics, Inc. (PA)

SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info
Consumer complaint received 2020-07-21
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. (UT)

Equifax has failed to remove an account that has fraudulent balances. Equifax not only has ignored valid police reports but has continued to verify inaccurate information under my consumer profile. XXXX XXXX  has willfully verified fraudulent balances with Equifax ignored valid police reports including reporting these balances to the credit bureaus as complete and accurate but continued to send out fraud claim forms. The claim forms were completed and police reports sent to them. XXXX XXXX  continues to break the law and violate my rights under the FCRA.
Consumer complaint received 2022-09-14
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. (MI)

i will like the following inquiries thats listed in this statement aswell as the the inquiries listed in my FTC REPORT deleted and removed from my credit report as these inquiries was not auothrized by me { XXXX  ) inquiry date ( XX/XX/2022 ) ( XXXX XXXX ) inquiry date ( XX/XX/2022 ) ... ... ... ......
Consumer complaint received 2022-09-14
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser PLC of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. Glasser also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly 8900 dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. Glasser refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to Glasser and Glasser and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (UT)

I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2020 Attention : Customer Advocacy Department. 
CC : Consumer Financial Protection Beureau. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX I'm very upset, Agent XXXX   # ( XXXX ) really upset me with her lock of professionalism and willingness to help during this difficult times we are all facing, completely unacceptable! Someone like this should not be the face of Capital One. I believe she is located in VA. 

I had made a phone call on XX/XX/2020 to inform that I had been affected and I had been temporarily furlough from my job due to Covid-19 and requested an extension. I called again on XX/XX/XXXX to informed the situation remain the same and to ask for an additional extension because the state/county I live in still closed. Come to find out I had been charge a late fee for XXXX which I was not aware of, I explained to her my situation and she didnt help me and as a supervisor she was rood and didnt even take the approach to do whats right. I encourage you to listen to our conversation if it was recorded. How could I be charge a late fee if Im not back to work yet??? however, since I called back in XXXX I thought it had been taken care of, she stated I should have called back for XXXX as well, I really thought it had been handled, I wasnt aware I needed to or I dont remember being informed at this point to be honest, with the call I made in XXXX which I mentioned to her and tried to explain but she didnt listen. She refused to work with me on neither removing late fee or willing to work with me by giving me another extension, I have been very stressed and frustrated dealing with unemployment payment delays and I was only asking to work with me and to prospone payments, she was completely apathetic. For the record I have 2 other major credit card companies that have worked with me and even sent me a letter without a request extending as far as XXXX, showing how they are sympathetic and care about their customers. I cant believe that someone as Agent XXXX who is a ( manager/supervisor ) showed so little/none effort to help and she represents Capital One. It really affected me after I hung up the phone I was very very upset and disappointing that I had to battle with her to get some forgiveness until the situation in the country goes back to normal with no success at all. I thought capital One was a reputable institution. I advise that this Agent needs either coaching or be disciplined. With that being said, I will try to pay the balance as soon as I possibly can, as I have done in the past and I will cancel my Card with Capital One immediately after that. I will not use Capital One or recommend to anyone in the future. Very bad experience!! 

FYI I will also follow a formal complaint to the Consumer Financial Protection Bureau. 

Regards, XXXX. XXXX XXXX XXXX : XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2017-08-01
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. (IN)

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports TransUnion, XXXX and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

They continue to call my phone several time a day, i have a due date and and also have a date to pay more if its late. But this company call after one day pass the due date not the late date and they call all day they also use several different Phone numbers
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I requested to have XXXX XXXX XXXX account updated on my credit report with equifax and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Consumer complaint received 2018-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (IL)

Received letter from Penn Credit on XX/XX/XXXX about a delinquent XXXX bill originating in XXXX XXXX, FL. It is impossible for me to have been charged for this service as I was going to school full time in XXXX XXXX, FL on the date in question ( XX/XX/XXXX ). Also, I have never received any mail prior to this point regarding any debt concerning an XXXX bill. I will be contacting Penn Credit tomorrow to request documentation on the debt. 

On a minor note, I find it questionable that the hours listed on the bill I was sent do not match the hours listed for the company online.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per 15 U.S.C. 6802. As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I may have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions.

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm so done right now with this craziness hers is my police report that prove that someone stole my identity and this situation needs to be resolved I'm about to hire in attorneys, if these Fraudulent account is not removed from my credit ASAP I'm trying to be patient but I will sue these companies for allowing these fraud accounts on my credit theses Account need to be removed from my Credit
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Mortgage.

I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe.

I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''.

I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me.

I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan.

I even file a complaint with your bureau during that time because they would not give me a straight answer.

You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan.

I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment.

I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good.

2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good.

Can you help me once again.

Thanks XXXX XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NC)

IC Systems is showing a charged off account on my credit report. Stating that I opened the account in XXXX of 2019. They show they are with XXXX< I have been sith XXXX for 3 yrs. They refuse to delete the account.
Consumer complaint received 2020-08-22
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: TOYOTA MOTOR CREDIT CORPORATION (KS)

I bought the new car XXXX XXXX XXXX at Toyota Motor Credit Corpcompany, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ 3k.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

This agency located at NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. Is refusing to respond to my validation request of providing proof I owe this debt to this agency, signature, license to collect in the state of Florida, signature and address proof this debt is mine, a lot of violation is committed by this agency per Federal Credit Report Commission.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (NY)

Hello. On XX/XX/2020 I wrote a letter to Experian to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

In XX/XX/2020, Two collections showed up on my credit report from Congress Collections out of no where. I disputed the first one for XXXX and it was immediately removed. I try disputing the second one for the amount of XXXX. Two different credit report agencies came back saying the account is accurate. I have never heard of XXXX XXXX XXXX nor have they ever contacted me to collect a debt so how could this just show up on my credit report. How can i prove a debt is not mine when i am unaware it even exists. The credit agency XXXX XXXX XXXX and Experian XXXX came back saying its accurate. How? Wouldn't i receive a bill at some point before a collection on my credit report. I dont know if this is fraud or what. Not sure what i need to do to get this removed.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

THE ACCOUNT LISTED DOES NOT BELONG TO ME THIS IS NOT MY DEBT I am writing to request and initiate a formal complaint against CREDENCE RESOURCE MANA, XXXX, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-15
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. (TN)

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I sent another letter. still no response. It has been 3 months now.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (KS)

I received two unsolicited credit cards from two banks. They told that the applications were received via phone calls. I have not responded or accepted any new credit card offer via call initiated by those banks. My phone numbers were not changed in the past 6 years. They were not supposed to issue a card when there is no way to verify the person 's identity.