davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Checking my credit report this year I see XXXX inquiries from Auto dealerships in Illinois I did not make ( I do not live in Il, and never have ), on my TransUnion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 I previously received Email requests for test drives as well, and replied to them saying I did not make these requests, but continued to get them. <P/>I also received this email request to XXXXXXXXXXXX Hi XXXX , please click on the blue link below which will take you to our website. You can apply for the mortgage there. Make sure you select me as your loan officer and your information will be sent to me. <P/>Thank you, XXXX XXXX | Mortgage Loan Originator | XXXX # : XXXX XXXX XXXX XXXX | XXXX, MI XXXX Direct : XXXX XXXX | Fax : XXXX | XXXX XXXX XXXX XXXX # : XXXX Which is also fraudulent.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Continental Finance Company, LLC (CA)

Continental Identity Monitoring Credit Protection XXXX Website : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Connected with my Continental Credit FIT Card added this service and I do not remember ever adding it. However, I have attempted to cancel it numerous times. Today I spoke with agent maned XXXX and she stated she could not cancel over the phone and I needed to do it in-line. But we could not locate WHERE to do it online. 

Every time I apply for credit it demands I send proof of identity numerous paperwork Identifying such as drivers listens, social security card, proof of residence etc. very annoying and is preventing me from applying for credit. I believe this bordered on fraud and or spam as I did not order this and have no means to cancel it. 

Please tell me what I can do or if you can contact them to cancel this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC (TX)

I established a loan with West Side Lending XX/XX/2021 for {$200.00}. It was a payday loan. Their website offers a " Member '' selection option to login, make a payment, sign your agreement. However none of the options are working and haven't worked from the time the loan was approved. I was never sent the loan agreement or payment schedule and have no visibility into the status of my repayment. Their communication is lacking in that the phone number is not working and they are slow in responding to email communications. I believe I've repaid my loan in full but they are still withdrawing money from my account.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

Nationwide Credit & Collection is inaccurately reporting a debt on my XXXX Credit Bureau report, in the amount of {$790.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Nationwide Credit and Collection Inc., I do not owe any XXXX debt to anyone. I requested Nationwide Credit and Collection to validate the debt belongs to me by providing me with a document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature. I have repeatedly asked for evidence to support their reporting on my credit report. Nationwide Credit & Collection have failed to provide me with a copy of viable evidence to support their false claims.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Services Collections, Inc (TX)

On XX/XX/19 the debt collector called 3 times within an hour. After my husband answered, they would not give a company or employee name, simply that they are " Account Services. '' On XX/XX/19 the debt collector called twice in a row, lending to the belief that something was amiss. As I'm home alone, I quickly answered to a number without a name ( a.k.a " unknown caller. '' ) The person asked to speak with my husband, and after asking who they were, I was told they are " Account Services '' and they need to speak with him. After asking what it's in regards to, the man calling said " is he home or not? '' I then asked if he was a debt collector, to which he responded he could not discuss anything with me. To which I responded it is illegal to call back to back ; that it's considered harrassment. He said " ha, uh yeah thanks for your help '' and hung up on me.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Receivables Performance Management, LLC (NY)

There are reported accounts ( original creditor was allegedly ) by the Creditor receivables performance management ( XXXX from here on ) on each of the three major credit bureaus that have not been validated with my correct address, name, or personal information. They are reported with the same owed amount, but have several Non matching dates of being opened. i.e 2 accounts for {$880.00} one opened in XX/XX/XXXX and the other in XX/XX/XXXX. ( One I  've never had, and the other is an amount I 've never owed at all. ) One of said accounts is reported as being opened inXX/XX/XXXX. I have never owned any account, or opened an account with XXXX within the last several years. When attempting to contact them, they say submitting a claim will NOT result in a formal investigation, but will be handed to a creditor who will attempt to find a resolution. I believe they are attempting to buy debts and assign them to whomever they please without due diligence. I have contacted the credit bureaus via certified mail to formally complain and dispute all accounts. They should n't be allowed to do this to people, especially people unaware.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My XXXX XXXX XXXX credit card XXXX XXXX Statement said that I needed to pay {$200.00} in order to avoid the deferred interest on my account. 

I paid {$210.00} on XXXX XXXX. My due date was XXXX XXXX. 

The company distributed my payment between three different balances, but nowhere in the statement, nor in the terms and conditions, was this business practice explained. 

I am therefore filing complaint for lack of transparency in the company 's method for allocating payments. In most credit cards, all transactions are added together and the minimum payment amount applies to the entire account, not individual transactions. I thought that I was paying both the minimum payment and the remaining balance on my transaction whose promotional period ended on XXXX I have consistently paid in excess of my monthly minimums. If the amount needed to pay off my expiring balance was clearly and transparently stated, I would have provided a large enough payment on XXXX XXXX to pay off the balance. 

I now have {$510.00} of interest charged to my account although my remaining balance was less than {$30.00}. 

I called the company and was told to formally file a complaint since the line manager does not have authority to reverse the charge.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My Name is XXXX XXXX and I had a Mortgage that was paid 13 years ago with a company called Select Portfolio Servicing old loan # XXXX Once a mortgage is paid off, the company had a duty and obligation to record the mortgage as satisfied with the county. About 3 months ago, it was discovered that the company did not properly record the satisfaction of mortgage with the county. Select Portfolio Servicing Inc recorded the satisfaction with the wrong instrument number, therefore not acceptable to the current title company to issue title. I was delayed from conducting the real estate transaction for the last 60 days. The new title company pulled a copy of the original mortgage and the satisfaction instrument and it was clearly recorded incorrectly. All was presented in a nice clean file to the Select Portfolio Servicing Inc 80 days ago. To this day, there is no resolution on this case. When you call in, you have to explain yourself over and over again. I just get the run around. I made 47 phone calls and have spent over 6 hours on the phone. They keep on blaming this issue on their reconveyance department. I need to sell this house ASAP. Please help me
Consumer complaint received 2019-02-23
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. (FL)

The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
Consumer complaint received 2021-04-01
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: CITIBANK, N.A. (TX)

XXXX XXXX INVEST Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX - CARD SERVICE Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

PHH purchased my mortgage each month I do not get statements ; I am unable to view any acct info online and their customer Svs dept always says the system is updating or down.. I need an actual company that services the loan Instead of some fly by night company that does not know what they are doing. 

My loan number is XXXX My name is XXXX XXXX I want a statement and I want to see my payments credited to my account.
Consumer complaint received 2021-02-24
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: CITIBANK, N.A. (CA)

I have been joked and toy with by Citi They refuse to fix what they did wrong They just want to confuse me and focus the issue on XXXX ftom last year They accused me of Laing They failed to apply the {$1000.00} payment And they think I am XXXX  and they do everything not to own their mistake Why would I suddenly make a {$1000.00} payment???????? 

Yesterday guy called me He was rude discriminatory So I told the executive office his not allow to call me of send me of email me I called the executive office and I was told XXXX is the person working on my case and she will call me they laid Now executive office lai to me she is no where to be found She never called I got this ridiculous email
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

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 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TN)

Fraudulent charges. 
XX/XX/2022 XXXX XXXXXXXX XXXX XXXX TX {$94.00} Thursday, XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX {$94.00} I am also unable to use my account and they are changing me interest on the fraudulent charge. I have attempted to call multiple times no one answers, I have sent a request via online- no response and have tried to reach out via social media and private message and was only told to call. They claim they were not hacked but a large group of us were met with fraudulent charges on our accounts during the system upgrade and there has been no assistance for Bread / Comenity.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-07
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. (TX)

Hello, my name is XXXX XXXX and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CHASE BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2023-03-05
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. (PA)

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX Amount : {$150.00}
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TN)

A personal loan was advertised to me through XXXX XXXX from XXXX XXXX. The application was filled out and approved on XX/XX/2022. 
XXXX XXXX has been sending me statements every month for this account. According to XXXX 's XXXX XXXX, a " Billing Statement '' is a written record prepared by a financial institution, usually once a month, listing all credit card transactions for an account, including purchases, payments, fees and finance charges. It may be mailed to consumers or provided electronically online. Also called a monthly statement or periodic statement. 
Accepting payment directly from me and redeeming the coupon/check is double dipping and is illegal. 
On XX/XX/2022 I sent the XXXX of Lending Point, XXXX XXXX, a letter with instructions and full payment for the remaining balance of the loan. That same letter was sent back to me on XX/XX/2022 along with a copy of the loan agreement and account statements. 
The payment was not sent back. The payment was kept. 
The balance does not reflect the account being fully satisfied. 
Lending Point has failed to uphold it's responsibility as the trustee to the trust and have not acted in the best interest of the beneficiary which is considered fraud. Lending Point has refused to accept my Negotiable Instrument as payment, however, Lending Point has never returned the negotiable instrument sent via certified mail therefore that is acceptance of value per UCC 3-603.

The payment has been made and Lending Point has refused to place a {$0.00} balance on the ledge paid by XXXX XXXX.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX .... 

XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on XXXX credit report has the account listed as a profit/loss writeoff
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE