davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
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. (NE)

I have sent letter to Equifax following FTC identity theft guidelines and included police report which Equifax received around XX/XX/XXXX. Also, uploaded it though Equifax website on XX/XX/XXXX with the same info that was sent through USPS. Received a letter today XX/XX/XXXX. That states " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute ''. The Two accounts were circled on credit report provided by Equifax and on website were picked specifically for fraud. I would like those two accounts removed from my credit report per FTC should have been done within 4 days of notification and material which was provided. Equifax was contacted XX/XX/XXXX I contacted the fraud department and told the operator I specifically did not want a fraud report on my account because I would have loans going though and could affect them. Since XX/XX/XXXX Equifax has put a 90 day fraud report on and now a 5 year. I would like them removed and the other two major credit bureaus notified that these were not at my request and removed immediately.
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

On XXXX Presolve collections placed a collection on my XXXX  credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. Presolve Collections has failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, Presolve Collections has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXXI attempted to use them to make a purchase to find they had both expired. I called the customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.
Consumer complaint received 2017-11-28
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. (MO)

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have tried to remove the Extended fraud alert from Experian and XXXX. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NC)

XXXX XXXX Complaint On XX/XX/XXXX I submitted an application for an income based repayment plan. As of XX/XX/XXXX my application has still not been processed. I have made several calls over the last 4 months with no resolution. I have confirmed XXXX XXXX  has received my completed application and no other documents are needed. I made the appropriate {$5.00} payment to switch repayment plans, but my monthly payments have not been reduced. My loans are close to being reported on my credit report as past due. I ONLY WANT TO MAKE A LOWER PAYMENT ON MY ACCOUNT!
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX has just destroyed every credit report ( XXXX XXXX, experian ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. Credit acceptance is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX and XX/XX/XXXX I had sent a money transfer online through money gram. On XX/XX/XXXX I had cancelled the transactions because my daughter was not able to pick them up. I called money gram and they had advised me that the reason why my daughter couldn't pick up the money was because money gram doesn't accept prepaid debit cards. So at that time I was told to wait 3-10 business days for a refund. Well that time had come and gone and I called them back and they had told me that the refund date had passed and that it would have to go to the escalation department. At that time they told me to wait two business days and the money would be returned. Well I waited 3 business days and called back and they said that it was still in process and I would have to call back in another 2 business days. I have been calling everyday with the same result. Nothing is being done about my refund. I asked to speak to a supervisor and I then was asked " even if you're not going to get your money back today ''? I was super upset and still no supervisor or refund.
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (MS)

rec XXXX XXXX XXXX, XX/XX/XXXX, paid, XXXX XXXX XXXX XX/XX/XXXX, PAID, XXXX XXXX XXXX XXXX XX/XX/XXXX PAID. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX.PAID. XXXX XXXX XXXX XX/XX/XXXX OVER 10 YEARS OLD XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX  XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XXXX, XX/XX/XXXX, PAID XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On or about XX/XX/2021 XXXXapitol One credit card telephoned me and asked if I applied for a Capitol Card on-line with them? I said " No, I already have a card with you. '' They acknowledged my open account and denied the online application. They also suggested I contact the 3 credit reporting bureaus and the Federal trade Commission to file a report. 

A couple of months ago someone applied for unemployment benefits with the Oregon Unemployment Division in my name too. I had received a written request from the Oregon Unemployment Division for additional information via mail. I did file an on-line form with them stating I did not apply for any unemployment benefits. 

I have not applied for any credit cards, services or other loans except when I refinanced my home earlier this year.
Consumer complaint received 2018-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. 

Hello. 
I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment.

In XX/XX/XXXX I made

3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my
{$700.00} from XX/XX/XXXX because I made 13 payment.

2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. 

Please call me if there is any question. I have receipts. 

thanks
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

XXXX XXXX
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NV)

Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone was happy to extend my payments out by a few months except Victorias Secret and XXXX. I was told that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.
Consumer complaint received 2017-11-23
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: SYNCHRONY FINANCIAL (MA)

I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

# 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. 

# 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
No response. 

# 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. 

I am disputing the amount that added up to {$540.00}
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I received a letter from Dovenmuehle Mortgage XXXX XXXX on XX/XX/XXXX. The letter was mailed on XX/XX/XXXX and stated that an unclaimed property amount of {$480.00} is due to me and must have contacted them at XXXX or fax at XXXX within XXXX business days from due date of XX/XX/XXXX. The letter stated within XXXX business days of contact a new check will be issued. I faxed and signed a letter claiming my check on XX/XX/XXXX, once I opened letter and realized they had my money since XX/XX/XXXX. I received a letter back from them on XX/XX/XXXX stating they would resolve this issue promptly. On XX/XX/XXXX I called and spoke with XXXX for updates and she stated that the check was not processed but with me calling that would get the check in a stage to be sent out. No check received. Called back again on XX/XX/XXXX with another rep, unknown name, stating check is still being held and to follow-up if not received in 30 days by law. No check received. On XX/XX/XXXX spoke with another rep and asked for XXXX. Spoke with XXXX, XXXX, Supv and she promised she would send yet another message to claims/unclaimed dept, stating that lawfully they have up to 90 business days for check to be mailed out. I informed her that is not what the letter said and she stated she would send another message to claims/unclaimed money dept for rush. She stated within that time I would hear back from her within 2 business days, no later than Friday XX/XX/XXXX. She never called back. I called on XX/XX/XXXX and spoke with rep that gave me to XXXX, Supv. I asked for her ID and she did not give it to me. I inquired about how the unclaimed check services work and she stated they have a certain number of days by law to send out check once everything is verified. She did not say how many days. She informed me that she will send another letter because nothing is showing in system that check has been released, and call back in 48 hours. I wanted to file a complaint. She told me to email to XXXX I went there and it brought me to a link that you have to register online for. I felt like I have gotten nothing but the run-around. I turned in my information within a timely manner and they claim to still have the check but it has not been released, The company sent me a confirmation letter that I still have along with original letter. I am asking for this to be reported because I do not recall getting an original letter from them after 3 years of them holding money that is owed to me. So now I am reaching out for help.
Consumer complaint received 2017-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to LVNV Resurgent Capital Services by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , LVNV Resurgent Capital Services is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). LVNV Resurgent Capital Services communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). 

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. LVNV Resurgent Capital Services has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. LVNV Resurgent Capital Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My complaint is with Experian credit bureau. I noticed a inaccurate public record on my credit report. So I sent my first dispute letter to experian asking for validation of this public record. This was on XX/XX/XXXX. Experian response was it was verified and not validated. I sent a second letter XX/XX/XXXX Stating that according to the FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. Also asking for documents bearing my signature. Experian respond with another verification saying its from a third party, but not validating anything or sending any proof. To make a long story short I send more letters on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I also send a letter to the CEO of experian on XX/XX/XXXX.  Experian failed to provide documents bearing my signature, they completely ignored federal law section 623 ( a ) ( 5 ). They have yet to validated this public record of a bankruptcy on my credit report. I also sent them a letter from XXXX stating that they have remove the bankruptcy from there file and they could not validate the said information on my report. This is my complaint against Experian reporting agency.