davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2020-11-20
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)

AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit score was lowered by 19 points due to XXXX raising my credit score, and when I did not use the available credit, they lowered the credit line which caused my credit score to drop. It look as if the company lowered my credit line. My payments have been on time for the entire time the account has been oprn.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?
Consumer complaint received 2022-09-09
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: Credit & Collection Recovery Services, Inc. (AL)

This information has been incorrect since XXXX please remove the following credit and collections regional paramedic services amount of {$870.00}. I have filed several reports to have this removed from my account. This is A result of identity Theft and it is still on my account I have filed a complaint with the FTC about this matter 3  times now and I am extremely upset that is still reflecting on my account. Another account XXXX  XXXX  for the amount of {$1200.00} has been reporting his XXXX and needs to be removed immediately and result of fraudulent activity and also identity theft
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (AZ)

THIS IS NOT A DUPLICATE they ignored everything I said on my previous complaint. The original contract DOES NOT have my name on any of the pages. which is a major violation under the FCRA. Im making this complaint direct to the original creditor because AD ASTRA say they don't own the debt they just collect on the behalf of Speedy Cash which was confirm by one of the SPEEY CASH employees, that confirm they are the current owners. 

So I repeat the original contract does not have my name on any of the pages, but they claim it was 100 percent accurate, which is false because the name in the contract was " XXXX '' which is not my name, and another name they have is " XXXX '' which is not my name, these are errors on their behalf. SO how is the account is 100 percent accurate nor consistent when they have two names that's not mines.I will upload every page of the contract that has a printed name on it to prove my case. I will attach documents that show the inaccurate & inconsistent errors. 

PLEASE STAY ON SUBJECT TO THIS MATTER OF THESE FCRA VIOLATIONS THANK YOU
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

Okay so I was charged for {$170.00} on on XX/XX/2024 of of {$170.00} and the charges were from XXXX and cash app I went to the XXXX XXXX XXXX and cash app said that there's nothing that they can do and my money is in limbo between XXXX and cash app cash apps telling me to go to XXXX and XXXX is telling me go back to cash app and they're both telling me that there's nothing that they can do somebody's got my money and I don't know what else to do I've done went to the XXXX XXXX XXXX  and they just basically telling me I'm out of {$170.00}
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I received a notification from my credit managing company that 'Ability Recovery Services ' has stated that I owe {$750.00} from a 2016 hospital visit and has put this account in collections. This is now affecting my credit score. I spoke with a rep at this Ability company and the woman stated that I could 'pay {$300.00} for this to all go away '. I stated that this debt is not valid and that this hospital account was closed 5 years ago.

After further research I discovered that this specific company buys closed medical accounts and attempts to collect money from unexpecting people. I have requested my medical records through a medical release form to prove the validity of my statements. I have also discovered via a XXXX search that Ability Recovery Services is involved within several law suits due to their fraudulent activity. I am disputed these claims and I am filing this complaint because my credit manager with XXXX  recommended I do so. Please feel free to contact me if there is further questions. Thank You
Consumer complaint received 2017-07-12
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. (LA)

Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (LA)

I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Chase XXXX rewards deducted XXXX XXXX points dated XX/XX/XXXX for a reverse of a bogus charge - but they never gave me the XXXX when the bogus charge was initially made. The XXXX points were earned and are mine and never should have been deducted. 
I have been communicating with XXXX XXXX at Chase Executive offices since XX/XX/XXXX and the last communication was XX/XX/XXXX. About a week prior to that XXXX advised his marketing department did not want to return my points because my card was closed. I only closed the card because Chase could not prevent the bogus charges that the XXXX was putting on my card. 
Now XXXX is not taking my calls and is not calling me back.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

On XX/XX/2024, I experienced two unauthorized transactions totaling {$270.00} and {$200.00}, withdrawn from my Cash App account. Following prompt communication with Cash App and the submission of a dispute form, I received an email notifying me that my claim was denied, accompanied by an absence of detailed explanation.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
Consumer complaint received 2018-01-11
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX certified letter was sent to Experian asking them to provide verification of the following debt reporting on my credit report. Another letter was issued in XX/XX/XXXX stating that the items where in non compliance of the FCRA section 609. On XX/XX/XXXX a phone call was placed to Experian asking where the response letter was and that they by law were non contempt. Representative XXXX from team ( XXXX ) stated that the response was mailed to an address that I did not provide. As of today the items still remain on my credit and the illegal unauthorized distribution of my credit report has put me in a vulnerable position.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I spoke with a representative at the collection agency on XX/XX/year> regarding this matter and asked them to verify this debt as well as send me verification of this debt. They informed me that they would and they would dispute it with the original company who reported the debt. I have not received anything from the company nor heard anything back from them
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (NY)

There was a double payment made to my target card. Target claim I made a phone payment that I did not make that caused a bunch of confusion. I need them to prove that I made a phone payment I want to hear the recording that I made a phone payment. This caused all the issue and now I am being held responsible for a returned payment. I will file with the court house if I don't have clarity.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX XXXX my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Mortgage servicer ( Pennymac ) is in clear violation of 12 CFR 1024.17. Pennymac is illegally withholding a significantly larger tax escrow payment then allowed under 12 CFR 1024.17 ( c ) ( 1 ) ( i ). I contacted Pennymac in XXXX and XX/XX/2022 and they have failed to reduce my monthly escrow payment, even though documentation was submitted to Pennymac to support the correct escrow amount. 

The loan originator estimated my annual property taxes at {$14000.00} ( {$12000.00} annual taxes + {$2000.00} selected reserve ). The monthly escrow payment is {$1000.00} of which approximately {$1000.00} go towards the estimated tax payment. 

The 2022 actual tax amount is {$5200.00}. Pennymac has knowingly collected at least 238 % of my actual annual tax payments. Under no circumstance is Pennymac 's escrow analysis reasonable, nor consistent with 12 CFR 1024.17 ( c ) ( 1 ) ( i ) or ( c ) ( 7 ).

As this property was a new build, the Loan Originator and Pennymac have an obligation to " In cases of unassessed new construction, the servicer may base an estimate on the assessment of comparable residential property in the market area. '' 12 CFR 1024 ( c ) ( 7 ). Armed with appraised value of {$740000.00} and known published millage rates for the areas, the Originator grossly failed to comply with 12 CFR 1024 ( c ) ( 7 ) by estimating an outrageous home value or clearly wrong millage rate.

My mortgage payment is approximately {$700.00} higher than it should be, solely due to this escrow issue. Pennymac refuses to update my escrow account and return to me the monies that they are in illegal possession of.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Komyatte & Casbon, P.C. (IN)

I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (CA)

In XXXX XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XXXX XXXX, XXXX, XXXX XXXX XXXX updated my trade line as current. 
On XXXX XXXX, XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XXXX XXXX, XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XXXX XXXX, XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XXXX XXXX, XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XXXX XXXX, XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MD)

A customer service member from the XXXX company called me in XXXX / XX/XX/XXXX to indicate that I was owing a balance of {$470.00}. I responded that I was no longer living in the address and i moved out of the house several months ago. And that I am separated from my wife who was residing in the house at that time. I explained that my wife 's name was on the account and should be responsible for paying the amount owed. The staf member insisted that I was responsbile for the debt because I was the primary account holder. So, I had no option than to include the amount owed to my total debt with the credit repair company working with me. In XX/XX/XXXX, I consulted with a customer service meber of my repair company and indicated that I would pay {$100.00} out of the settled {$200.00} owed to XXXX and this month, XX/XX/XXXX, I paid the remaining balance of {$100.00}. So, I was surprised to note that Wayresgrp collection agency indicated that I am owning the full amount of the debt ( {$470.00} ) even though i have paid it off. This action has adversely affected my credit score. I do not know the rational for this action than to see it as a punitive measure by this collection agency to damage law abiding citizens credit scores. This is sad because the report in this case is grossly inaccurate and misleading. I would appreciate if you could please investigate this injustice by this collection agency which unfairly tarnish credit scores of law abiding hard working citizens like me.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard inquiry on my credit report, I was approved for a credit card from the company and did not appear as a hard inquiry. A few weeks later, randomly, a hard inquiry from capital one appeared on my credit report. Tried to fix this problem with the bank, they Can not help me. It i
Consumer complaint received 2017-07-12
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: CURO Intermediate Holdings (TX)

Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.