davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (MO)

In accordance with the Fair Credit Reporting Act, Account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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 an account without my written instructions
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (GA)

I was facing foreclosure in XXXX and the XXXX XXXX through XXXX XXXX began the process. However, it was stopped and I began making payments of XXXX with the understanding that I would be placed in a program to bring my loan current ( 6 months trial ). In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX XXXX XXXX XXXX and because I was late with one payment, they began the foreclosure process. Even as I continued to make payments, XXXX XXXX sent them back to me and informed me that they were no longer accepting my payments. I've enclosed information that I received from XXXX XXXX.
Consumer complaint received 2017-08-02
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. (MI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2021-11-01
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: SYNCHRONY FINANCIAL (MD)

On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( Synchrony Bank ) charged me {$300.00} on XX/XX/XXXX For last two weeks I have made several calls and sent several notifications to Paypal and Paupal credit about this issue and seems like no one is willing to help.
Consumer complaint received 2020-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CA)

I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. 
From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. 
I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. 
However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. 
Eventually I cancelled the extended warranty since I was unable to use it. 
I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. 
Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. 
I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX
Consumer complaint received 2023-03-22
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: Resurgent Capital Services L.P. (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
XXXX XXXX XXXXis reporting I owe a debt of {$2400.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

I had an accident at work on XX/XX/XXXX and was ordered to go to XXXX ( at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) by my former employer, XXXX, through workers comp. I have since been harassed by this third party creditor ( Merchants Credit Guide ), who has been falsely accusing me of this debt which falls under the responsibility of XXXX. I called XXXX and they even provided me with a claim number : XXXX and a dedicated line to XXXX XXXX XXXX XXXX for XXXX employees : XXXX XXXX XXXX XXXX XXXX. The XXXX representative confirmed that various charges can be handled under one claim. On XXXX and XX/XX/XXXX, I disputed the two charges that Merchants Credit Guide placed on my credit reports. Under my XXXX  report, they only removed the one that was for {$230.00} and kept the one for {$1000.00}, even though they ( Merchants Credit Guide ) listed the same account creation date of XX/XX/XXXX for both. They also only removed the ( opposite ) charge of {$1000.00} on my XXXX  report and kept both on my XXXX  report, even though I disputed all ( 2 ) of the charges, via all three bureaus. There are so many inconsistencies. I dont know how they can confirm that I dont owe a certain amount to one bureau, and yet confirm that I do under another bureau. Lastly, the creditor needs to handle this issue with XXXX and not me because I do not owe this debt. The creditor has even gone so far, as to call my partners relative to discuss the debt ( this, in itself, is already in violation of the Fair Debt Collection Practices Act ).
Consumer complaint received 2018-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score.  My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TX)

We i was a victim of false certification for a loan by XXXX XXXX XXXX XXXX. 
Which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Found the school wrong XX/XX/2018 and Discharged my and issue a refund .Also requested that it be removed for my credit reports .. Now Edfinancial service was the load serving company, Which also reported to my report .Sent me letter on XX/XX/18 that they will HONOR the XXXX XXXX XXXX XXXX ruling and will remove the loan from my credit report. 

I recieved a letter on XX/XX/2018 from EDfinancial Service stating that there reporting is accurated .But in there letter date XX/XX/2018 states the checked with the XXXXXXXX XXXX XXXX XXXX .. Which the load was false and need to be removed.. I have contact them twice about this matter ..
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc (FL)

Service link did my deed and XXXX  In XX/XX/2019 and I would like to get a copy of all the signed paperwork. I need all agreements for XXXX XXXX XXXX  and XXXX  and the information of the Notary used to come to my house.
Consumer complaint received 2022-05-02
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. (MO)

On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, XXXX and Experian I have not received a response from either about inaccurate reporting information.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Reiteration of the following legal right of due process under the Cares Act : Per the Presidents Memorandum, via the XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act FORBEARANCE : 1.Execute the months remaining of forbearance ; as depicted in your response here with the CFPB. More importantly, as it is disclosed under the Presidents Memorandum, XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act, CFPB posting - see attachments 2.Forbearance/Post Forbearance ( 12 months ) 3.Re-requesting Extended Forbearance ( 6 months ) 4.Borrower Eligibility - we qualify per continued Hardships/Covid-19, loan qualifies for XXXX XXXX Loan Forbearance Plan 5.Re-requesting complete forbearance time allotments per XXXX XXXX due to my ongoing hardship, full not partial arrearages onto the loan, lastly loan modification with an affordable modified monthly payment NOTE : Please be advised that I continuously have met all requirements ( qualifications : hardships/loan type, requests, are all referenced in my calls, emails sent to SPS ) including and not limited to communicating directly with my servicer Select Portfolio Servicing in accordance with the stipulations depicted in the attachments set forth by Congress and the President of the United States.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (VA)

This is an update and a continuation from a formal and closed complaint filed with the CFPB for this same collection company that is continuing to harass me and continue to collect a debt that is not mine and that this company agreed to close and remove any negative notes to my credit file ( which they did ). 

Beginning on Friday, XX/XX/XXXX, I received an auto dialed recording to my place of employment ( federal government ) at exactly XXXX XXXX. After a simple XXXX search of the number, I found that it is it is tied to AR Resources and consumers have complained of these same types of calling coming from the same number on their XXXX page. Today, Monday XX/XX/XXXX. I received the same time call at XXXX XXXX. Both have been saved in my work phone inn the case legal action has to be taken. I had to XXXX the number because the recording does not inform you of who is calling and jut says to " please call XXXX '' In CFPB complaint XXXX, AR Resources responded to the CFPB agreeing to close this account so for them to start attempting to collect a debt I have no knowledge of over a year later is very surprising. What is more surprising is that they were sent a validation letter on XX/XX/XXXX which clearly informed them that they were not to contact me by phone so this is a clear violation and a backdoor attempt to try to continue to harass me for a debt that is not mine. Since this case was closed through the CFPB investigation process, I have heard nothing from this company by mail or any other communication until they started auto dialing my job on XX/XX/XXXX.
Consumer complaint received 2020-12-12
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. (OK)

I put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XX/XX/2020,XX/XX/XXXX. 
The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. 

On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. 
I called in again since now it has been well over 30 days to delete those from my account. 
I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. 
She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. 
She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. 
She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). 

I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! 
All I want them to do is update and DELETE those addresses from my credit report!!!
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon PLC Attorneys & Counselors (MI)

Receiving threatening letters from an attorneys office demanding payment of a debt I did not incur. No court documents or original documents or any verifiable information relating to alleged debt provided. No outstanding debt amounts or any other information relating to this issue showing on my credit report. Letters claim that I owe a total of {$4300.00} indebtedness from two separate future receivables sales agreements that went into default on XX/XX/XXXX andXX/XX/XXXX.

I have never entered into any agreements of this type with these people.

Letters are from : Simon PLC Attorneys & Counselors XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MI XXXX  For TBF Financial LLC Accounts XXXX and XXXX No information other than amounts of alleged debt and redacted account numbers were provided by the attorneys letter.
Consumer complaint received 2018-03-08
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. (CA)

XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.