davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have repeatedly requested for documentation from XXXX to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Equifax. Equifax informed me that their investigation consists on them taking the word of XXXX that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the XXXX company at their word. XXXX is subject to a True Consent order imposed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

XXXX, XXXX are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.
Consumer complaint received 2017-06-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on my credit report
Consumer complaint received 2023-01-27
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)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (TX)

I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!
Consumer complaint received 2017-09-06
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: LEXISNEXIS (TN)

lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.
Consumer complaint received 2017-09-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC ()

To whom it may concern, I have a student loan from XXXX, at the moment I live in XXXX, XXXX and the financial loan has been directed to be paid through XXXX XXXX, a collection agency to process international payments. 

They have created a new website and the last month I tried to pay but the website was not loading correctly. This month I have a late payment fee plus the new payment for this month and the XXXX   payment option is not working. I asked them when they will fix it but they say that they dont know. They give you the option to pay through your bank account but my bank account is in XXXX and does not have a routing number and I need to pay via XXXX. There is another option for international payments which is more costly but it does not work in their website. 

I am afraid that I will get a new late fee. I am trying to pay and the system is not allowing me to do so. This was a federal student loan and I do not understand why they hire this service that does not work properly. 

I want that XXXX  XXXX fixes the XXXX  option so that we can make payments with the XXXX  card. 

Thank you very much,
Consumer complaint received 2017-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX. XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact Transunion XXXX/2017, XXXX2017, XXXX/2017, XXXX XXXX/2017, XXXX/2017, XXXX/2017 and XXXX  XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
Consumer complaint received 2017-10-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Capital Home Advocacy Center (GA)

I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company Portfolio Recovery located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.
Consumer complaint received 2019-05-11
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. (NY)

I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX  and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 XXXX XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 6 yrs, 4 mos XXXX amount {$0.00} 2 XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 2 yrs, 5 mos XXXX amount {$280.00} 3 XXXX XXXX XXXX -opened- XXXX XXXX XXXX XXXX 7 mos XXXX amount {$550.00}
Consumer complaint received 2021-06-23
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. (KY)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Consumer complaint received 2017-04-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX I am starting to take this personally Freedom mortgage still has not reported my good payment history to all XXXX credit reporting agencies!!!!! 

they lied to me in a letter stating they would report it by now What am it to think about a mortgage company that will not report good payment history or any payment history at all???? 

Company responded Freedom Mortgage said : Explanation of closure XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Your Complaint to the CFPB Dear XXXX XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding the credit reporting of your payment history. 

You loan was transferred to Freedom Mortgage on XX/XX/XXXX from XXXX. Due to RESPA ( Real Estate Settlement Procedure Act ) guidelines, when the servicing of a loan is transferred, lenders are prohibited from reporting during the first 60 days after the transfer. Your payments will be reported beginning with the XX/XX/XXXX payment but reporting is done on the XXXX of each month for the previous month. Therefore, the XX/XX/XXXX payment will be reported on XX/XX/XXXX and all payments thereafter will be reported approximately the XXXX of the next month. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Dispute Response Explained that due to RESPA regulations, Freedom can not report to the credit bureaus fro 60 days after servicing transfer. 


What happened Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 







Making payments This is about VA mortgage Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies report my good payment history to XXXX XXXX and XXXX My information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX VA XXXX United States Email XXXXXXXXXXXX Phone XXXX I am submitting on behalf of Myself Product information Property address is the same as mailing address. 

XXXX number XXXX Information about the company Freedom Mortgage United States Supporting documents HTML document freedom mortgage is not reporting my good payment history to the XXXX reporting agencies .msg ( XXXX )
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I requested to borrow money from Cash App. Somehow the account the money was sent to is not mine and they have refused to assist me with contacting where they sent the money. They verbally told me over the phone to go to my local sheriffs department because they did nothing wrong. I am not saying the fraudulently sent my money somewhere. I am saying whatever account it went to is not mine and need to get this money sent back to Cash App. I did contact the bank where they supposedly sent the money. The only information they could give me was that the account that Cash App says they sent the money to does not exist. At this point no one is helping me and Cash App wants me to repay the money " borrowed ''. I never got it. Please help me locate these funds.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dispute a dismissed and discharge bankruptcy with TransUnion. TransUnion say that they verified these 2 bankruptcy with XXXX Bankruptcy Court of Florida using my full social security number. This is not true because XXXX Bankruptcy Court do not release no info to credit bureaus or third parties ( attached is a letter from the courts saying so ). TransUnion is in violation of the Fair Credit Reporting Act. Attached is a copy of TransUnion Investigation Procedure they send to me. They clearly is not obeying they own rules and the rule of the FCRA
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Dealing with MOHELA, the servicer of XXXX student loans. I have 2 student loans currently serviced by MOHELA. I signed up for auto-draft with the first loan. When my second loan began to be serviced by MOHELA the auto-draft did not update to include the second loan, nor is there an option online to include the second loan in the auto-draft. To make a payment, which is now late, I can only make individual payments at the loan level which is also confusing since my summary page shows only a snapshot of loan # 1 and thus makes it look like I have no overdue amount or payment due. I 've called the company multiple times and was informed that the only way I can sign up the second loan for auto-draft is to call the company and ask them to send me an additional form, which is not made available online. After calling and requesting this form 3 times I have yet to receive it.
Consumer complaint received 2017-06-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing because I am a victim of Transunions credit error in their system where they deleted my inquiries. They about a week later they reinserted them back but didnt folllow the legal procedure to do that. I did not get a letter from them saying that they were doing so. After this I called Transunion to get them removed. I listed to the agent all of my inquiries. She put me on hold to do an investigation. She came back on the phone and said that I would have to get letter of deletions from every company that I had an inquiries from. As well as send them a letter saying that I want them to remove all of the inquiries. Companies will not send me letter of deletions because they say I made those inquiries. Transunion would not resolve my issue. I would like the all of these inquiries removed. Here is a list of the inquiries along with the dates. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX   XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I have been scammed on Cash App by a scammer who has been on there for almost 5 years. I have sent XXXX transactions, each one being {$10.00}, on XX/XX/2024 at XXXX XXXX and XXXX XXXX My {$20.00} are gone from my bank account and I have immediately reported these transactions as a scam on XX/XX/2024 at XXXX XXXX for both {$10.00} transactions once I've noticed that this is not the person who I was talking to when making an online purchase, and could possibly be an impersonator of a random person. I have attempted to reach out to Cash App support on XX/XX/2024 regarding this issue of me being scammed, but I've received no helpful response or attempt at getting this resolved. I'm planning to initiate a charge back with my bank if I don't get this resolved soon. I really want my money back and I do not appreciate that Cash App has decided to not step in and help me.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.