davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MA)

I noticed a collection on my report and called the credit agency. I was told a company called National Recoveey Agency had put the collection on my report. I have never received any communication from this company, no dunning letter or opportunity to dispute. This is against debt collection laws. Moreover, the debt alleges that I had an account that went into collection with XXXX XXXX  in 2018. I did not have an account with XXXX XXXX in 2018 so the reporting is wrong as well. 
I was prejudiced by this lack of notice.
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX these hard inquiries have 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.
Consumer complaint received 2018-03-21
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: TD BANK US HOLDING COMPANY (NV)

After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Nordstrom/TD Bank. I have tried multiple times to have this item removed from my XXXX credit file, but it has not been. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. Nordstrom/TD  Bank ... balance : {$6400.00} ... date opened : XX/XX/2016. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
Consumer complaint received 2022-09-07
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 XXXX  account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have 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.
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: EQUIFAX, INC. (TX)

I am writing to express my urgent concern regarding the presence of fraudulent items on my account and to demand their immediate removal. As a victim of fraudulent activity, I expect your company to take swift and decisive action to rectify this situation and protect my financial well-being. 

Upon reviewing my account statement, I discovered several unauthorized transactions and charges that I did not initiate. These fraudulent items not only compromise my financial security but also erode my trust in your company 's ability to safeguard its customers ' accounts. 

I demand that these fraudulent items be promptly removed from my account without further delay. It is imperative that your company takes proactive measures to investigate these unauthorized transactions and prevent any further unauthorized activity from occurring. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

I also expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

My loan servicing company is Loancare and I have been reaching out to the company since XXXX of last year to request that my account be put on bi-weekly payments. I want the option to pay my mortgage in two payments. I received an email on XX/XX/XXXX stating that they do allow it and all I have to is submit a request in writing. So I sent an email back requesting it ( XX/XX/XXXX ) and no response. I sent another request on XX/XX/XXXX and again I was told that it could be done and that I would need to send back a request. I sent another request XX/XX/XXXX and they responded that I would have to send a separate request. That request was sent and here we are in XXXX and I still don't have the option to pay biweekly. Ive contacted the Customer Service number and a young lady told me that the company doesn't allow biweekly payments. That was on XX/XX/XXXX. I then hung up and emailed the company again requesting to be put on a biweekly scheduled and here we are XX/XX/XXXX and they have yet to respond to me. I don't like that this company is keeping me from being able to save on interest and make an extra payment a year by doing biweekly payments.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.
Consumer complaint received 2017-07-23
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. (VA)

I have tried twice through Equifax to get this debt from XXXX XXXX XXXXXXXX validated because i have never had any business connection to them. It states that they are collecting a bill for XXXX XXXX of XXXX from XXXX of 2016. Both times they return the bill as valid but no proof. I have XXXX service for the last 6 years and my XXXX service is over 10 to 15 years old. This is affecting my credit score and i want it removed. I believe this debt has been sold several times and XXXX refuses to send me any info validating the true debt. Balance {$490.00} Highest Balance {$490.00} Opened XXXX XXXX, 2016 ( 1 yr, 2 mos ) Account status open Type - Responsibility Individual Remarks Consumer disputes account information Original Creditor Name XXXX Thanks XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.
Consumer complaint received 2017-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Regarding Santander Bank ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Regarding XXXX : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from the previously mentioned Santander Bank to XXXX. I notified XXXX of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the Santander auto-payment to XXXX, and nothing as been remedied yet. Neither bank seems willing to help remedy this situation, and Santander Bank continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-06-21
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. (GA)

The information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.
Consumer complaint received 2017-04-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (CA)

I received a statement from Paypal Credit saying I owe {$840.00}. I never applied nor received nor used a credit card from Paypal Credit. When I called, they wanted " personal information '' which I would not give. I ended up hanging up on them. I am XXXX years old and on Social security. I do n't need this aggravation.
Consumer complaint received 2016-01-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

We had Greentree for our second mortgage and they would call constantly about payments even after explaining our situatio due to an adjustable rate first mortgage. This continued to the point it was in default and we late included them in out Chapter XXXX plan in XXXX. I have read there was a settlement with green tre on XXXX XXXX XXXX and hopefully we can qualify for something from this settlement.
Consumer complaint received 2018-03-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (CA)

Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.
Consumer complaint received 2019-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (SC)

They are taking advantage of people! Advertising quick small loans. Back in XXXX, I thought I was just applying and would here back so when the agreement came up online I clicked I agree. I never received anything that said I was approved, just saw {$500.00} deposited In my account. At the time, I thought I would pay back within a couple payments because the next week a payment was drafted out of my account for XXXX to which I thought that will be paid off in no time. I only needed quick money for XXXX. Sadly, I just found out after inquiring that the interest on this is 700 % which is absolutely ridiculous and taking advantage of people! I dont understand how this company is even allowed to be in business. I want this reported because its robbery. I will end up paying {$2300.00} for what was to be a simple and quick loan for the holidays Your help is appreciated. If you can tell me how to go further with this complaint. They dont need to be in business and taking advantage of people! 

XXXX XXXX
Consumer complaint received 2018-12-01
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. (MD)

This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account XXXX
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

The company XXXX XXXX  has refused to remove XXXX  XXXX and refund excess payments according to state and federal regulations. At the time of closing XXXX XXXX  down was provided yet the company is denying refund and removal of XXXX  and XXXX. The company denied initially they were collecting XXXX  on the phone which lead to further investigation on my behalf. At that time I said the company had reported collecting it on the annual statement yet it didn't appear on the website. I notified the CFPB immediately upon contacting XXXX to remove XXXX  XXXX and refund the overcharges. 

In addition the company did not uphold an agreement to forebear mortgage payments during a XXXX related reduction in pay. Forcing me to pay back payments rather than fulfill their agreement of forbearance. XXXX XXXX XXXX. 

This is now the third occurrence of the organization attempting to defraud it's lenders and I wish to have another mortgage servicing company in the future.
Consumer complaint received 2022-09-07
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. (LA)

In accordance with the Fair Credit act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-19
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. (AL)

on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( TRANSUNION, XXXX, AND XXXX ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.