davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates (CO)

I voluntarily relinquished a vehicle that was a lemon years ago that I bought with a loan from XXXX loan at XXXX XXXX in XXXX Co. They sold the car and the remainder of the loan became my debt which Stafford and Associates became the owners of that debt. They contacted me using a name and the gender I no longer use for I had my legal name change and gender marker change completed 8 years ago. I explained to them to use my correct information and I set up a pay arrangement of {$200.00} a month. If I was late one or two days based on my pay dates, they would call me 2-3 times a day using the wrong name and pronouns repeatedly. I made 3 payments and in XXXX I missed my payment because I fell behind. My intention was to call them in the new year now that I have a new job and do a different pay arrangement that I can afford. They called me 4 times on my number and began to call my family in both XXXX and XXXX harassing them for my information. They got a hold of my sisters partner somehow who does not know my gender identity and proceeded to ask for me with the wrong name and pronouns. This is private information that this new family member does not know and was for me to tell not for XXXX or XXXX who called 4 times to my sisters house in XXXX. I have called angrily to Stafford and Associates to all the numbers I have on file and could find letting them know that this was inappropriate and that my private information was not to be shared with anyone.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (MO)

I transferred {$300.00} FROM my XXXX account to an external account on XXXX, confirmation # XXXX, and it still isnt showing up in the other account as of XXXX, but it WAS taken out of my XXXX account on the same day I made the transfer. 

XXXX made first call, was told to wait 3-5 business days. 

XXXX made second call, was transferred from person to person, until finally a member of their executive team spoke with me, and said I would be receiving an email regarding trace # XXXX, Ive yet to receive said email. 

XXXX called again, transferred multiple times, then finally to a member of their executive team, to be told theyd look into it. 

XXXX still no email re trace number I was given on XXXX XXXX called again, spoke to XXXX at XXXXXXXX XXXX via live chat. He then phoned ME at XXXX. Assured me that he would send an email. 

XXXX received an email from XXXX with a reference number of XXXX, and a request to reply to that email with a screenshot of the trace number that I was given previously. I replied to that email, explained again that I was never sent an email regarding a trace number, that the trace number was given to me via telephone call. I included the trace number, along with a copy of the confirmation I received on XXXX when I originally made the transfer. 

XXXX called yet again to try to get this matter resolved, and still nothing.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not. 

Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund. 

They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account.

This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC {$390.00} debt is showing and this account has been paid and is inaccurately being reported. I requested immediate deletion but they only added a remark saying " customer disputes this account information ''
Consumer complaint received 2021-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2018-03-04
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. (TX)

I received credit inquires from XXXX XXXX of Texas and I haven't applied for any loans or any credit applications. I only opened a savings account and nowhere did it mention that my credit was going to be ran or used for the savings accounts.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX  XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I have been getting calls for a person XXXX XXXX for 1 month. The collector asked me for my social security number. The phone number they call from is XXXX. I was told last week they wouldnt call me anymore since I have no debt with them. I got another call this morning.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (SC)

Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Ive been applying monthly for loss mitigation with Freedom Mortgage since XXXX Ive reported this to CFPB several times. First Freedom Mortgage told me I received 3 loan modifications from them so they denied me. Freedom Mortgage said they crossed my file with someone else file, their mistake they told me. Called me so we 3 way XXXX XXXX XXXX to verify my non existent checking account, My last application was for the pandemic unemployment loan modification, even though my only qualification is to be receiving unemployment I was still denied, yet placed in forbearance. I NEVER ASKED FOR FORBEARANCE, IVE BEEN APPLYING FOR A LOAN MODIFICATION AFTER SUFFERING FROM A DOUBLE FINANCIAL LOSS. First in XXXX of 2020 then COVID-19. I feel that Freedom Mortgage does not have a loss mitigation program in which they claim to have. Its a scam and my mortgage is in the middle of it. Ive never missed a payment.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
Consumer complaint received 2020-08-26
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. (LA)

Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Recently, I filed a dispute with Chex systems informing them that an account that has been reported to them under my name and social security number should be deleted from my report and from their database due to the fact that this debt was incurred prior to my Official Bankruptcy filing date which had occurred on XX/XX/2022. They responded with a letter stating that they refused to remove this negative account information from my report because the Financial Institution that had reported this information to them had reported this information to Chex systems AFTER the date of filing of my Bankruptcy. They are wrong about why they had justified to keep this negative and damaging account information in their database and to continue to report this information after I brought the issue to their attention. It is against the Federal Bankruptcy Laws to continue to report an owed balance and to keep this information on my credit report because it does not matter when the financial institution ends up getting around to sending their information over to Chex systems, but the date they should be concerned about is when the actually debt had been incurred and then if it was prior to the date of the bankruptcy being filed, they should remove this information from my report with them and update their database to reflect that this is the case. However, if the debt was incurred after the bankruptcy filing date with the Federal Courts, then by all means, keep reporting this information. This is not the case however, in my situation because the balance was incurred prior to the bankruptcy filing and thus should be removed at once and without failure because if they don't, they are now in violation of several bankruptcy and other federal laws that govern this particular issue. The FINANCIAL INSTITUTION that had reported this negative information to Chex Systems is : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Per the FCRA as a Federally protected consumer. I am now opted-out of any and all authorization I the consumer may have given you ( written, unwritten, verbal and nonverbal ) per 15 USC 6802.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MO)

Called in XXXX of last year to get a mailing address this company refused to send me a return envelope so called and ask for address to send check and I was informed that they have turned me my account over to collections I ask for the address and name of collection agency and the guy would not tell me so the address he gave me was the address to the credit card company when he ask for my number I informed him that he was not to call then XX/XX/XXXX I get yet another call from the collection
Consumer complaint received 2022-04-28
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. (DC)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Employer : XXXX Date Updated : XX/XX/2019
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

A bankruptcy dispute was submitted on XX/XX/2024. Enclosed with the dispute was a letter from the court stating that the courts did not verify bankruptcies with the credit bureaus. This matter was not investigated nor was this account verified with the courts, despite stating the account was verified with the court on my credit report.
Consumer complaint received 2020-12-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-10
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX ). Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done in previous dispute 30days ago its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX   DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX  DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX  DOS was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ) .After what is known as an investigation that was conducted and completed by the CRA , my dispute results from that investigation shows the DOS date didn't change/update.
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (WA)

I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX  XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( Experian, XXXX, XXXX  ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in 2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu