davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IL)

I had a medical balance that was paid in full XX/XX/2020. RMP services opened a negative hit on my credit report for {$100.00} on XX/XX/2020 for debt to my doctors office. A balance I have no record of? I have reached out to my doctors office and no one has gotten back to me. I am very upset because I have excellent credit and we are looking to refinance and I now have this nose dive in my score for a debt I have no idea about. 

1. RMP Services has never mailed me anything, called me or tried to contact me in anyway to collect this, I only know about it because the mortgage company ran my credit! 

2. My doctors office has never called me about an outstanding balance! 

3. If I do owe {$100.00} for healthcare services ... how can healthcare debt of any sort go on my credit report? I believe that is unlawful. 

4. RMP Services is impossible to contact, they have terrible reviews they certainly do not seem like a quality ethical company.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (CA)

I filed a complaint against this company for harassment of my daughter on her cell phone and the company used that opportunity and the CFPB response system inn order to attempt to verify this debt instead of using proper practices to do so. Using the complaint system as a way to verify possible debts with consumers.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

My lease with Toyota Financial Services was up so my husband and I decided to lease another vehicle with Toyota. My husband ONLY had filed for bankruptcy chapter XXXX but the lease was Not included in it. At the end we received a bill for over {$800.00} for excessive damage I knew theses charges could not be legitimate as this vehicle was barley used and we were way under the allowed amount of miles. I called them on XX/XX/19 to dispute the charges. The first person was telling me that she didnt see any bill and I didnt owe anything. I kept pushing and telling her to check with someone else because I had the bill in my hand. Then she hung up on me. I called again and spoke to someone else and he found the information and had the so called evidence reviewed. They dropped the charges down to {$150.00} and advised I would receive an updated bill in the mail within 5-7 business days. I waited and had not received the bill so again I called on XX/XX/19 and this time was told that they could not send me a bill because my husband had a bankruptcy on his account. I questioned them stating if that was he case why did they send me a $ 800+ bill in the 1st place. The agent tried to tell me they never sent me a bill. At that point I asked for a manager and I was placed on hold for over 30 minutes only for the agent to come back on the line to tell me there was no manager available. He insisted a manger would call me back. It is now XX/XX/XXXX and yet NO one has called me back. I just want to pay my final amount due but want the document showing the amount so that I can have a record of it. I have wasted over 3 hours on the phone for absolutely no resolution. I called again today XX/XX/XXXX and just keep getting transferred around and no resolution.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done. 
I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
Consumer complaint received 2021-07-01
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (OH)

wells fargo placed me on a loan modification program and at the end of the 6 month trial after I made all payments and on time, they marked the credit report as 120 days. I need wells fargo to make this correction
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

This bank is horrible Im loyal and they charged my account stop Oayment fees ans dont want to reimburse me when I had called they never told me they would charge me those fees and then they refuse to credit me back my money and the non sufficient funds fees as a courtesy
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

My mortgage company with out letting me know. Changed my interest, changed the duration of the mortgage, Changed my address ( sent my bills to NJ for years ) I called them up waited for someone to answer a couple of times. Every time they hung up on me after I tell them why Im calling.
Consumer complaint received 2017-09-14
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. (CA)

Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

This has happened twice with making AMEX payments using my XXXX electronic payments. 
My AMEX bill ( {$400.00} ) was due on XXXX XXXX. I scheduled the payment, as I have for many years, to arrive on XXXX XXXX. 
XXXX XXXX transaction register shows the payment being issued on XX/XX/XXXX and that AMEX received the payment on XX/XX/XXXX. AMEX did not post the payment until XX/XX/XXXX and applied a {$29.00} Late Fee to my AMEX account. 
AMEX refuses to accept the blame for the " Late '' payment and refuses to remove the late fee. 
Speaking with XXXX, I was told by their Senior Technical Specialist, that XXXX has been made aware that AMEX has a two-day processing process. This two-day processing is not mentioned on the AMEX payment notification. Because XXXX knows of this two-day process, XXXX moves it's transmission date back two days from the due date. In the case of my complaint, XXXX moved the transmission date two-days back from the XXXX and sent the payment on the XXXX. 
Because AMEX did not accept payment until the XXXX, it therefore took two days for them to process the transaction and posted on the XXXX causing the late fee. 
Proof of payment attached.
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

I was using PayPal for my online store to receive funds. I clicked instant transfer to transfer money from PayPal to my bank and Paypal put my money on hold for XXXX hours. After XXXX hours they place another hold on the same money, and sent me a message saying I cant receive my funds until I upload a picture of my Id. I uploaded my drivers license and they sent another message saying my account is permanently limited for 180 days and I am unable to transfer my money to my bank account they will not allow me to until XXXX days is up. I am very fair with my customers and have a very flexible return policy. I have children and bills to pay I need access to my money. PayPal is impossible to reach over the phone, and only communicate through generic automated messages.
Consumer complaint received 2020-11-27
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: Shellpoint Partners, LLC (AZ)

Checking my credit report from XXXX? XXXX  credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " Shellpoint Mortgage services. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from Shellpoint Mortgage Services ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX XXXX and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of Shellpoint but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

i was sent a us bank reliacard in the mail. i have no idea why, as i am not on any govt benefits or unemployment. i suspect it is fraud. i called us bank fraud dept, and was told that they could not help me and my call was forwarded to a number that tried to get me to put in my social security number to activate the card. there is nothing on their menu for fraud. after sitting on the call on hold for over an hour, it was disconnected for no reason. called back in, and same thing happened again. around an hour on hold and then disconnected for no reason. so not only has someone potentially committed fraud in my name, the horrible customer service of the bank has no willingness to look into the matter. i have lost now 3 hours of my work day trying to deal with this mess.
Consumer complaint received 2019-11-05
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. (FL)

Transunion and XXXX  are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (FL)

Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2019-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (MD)

We have requested a loan Payoff from the Servicer of the loan, as requested by those who are helping us. That Payoff amount has been received as of date. The people who are helping had asked also for the loan document, which was the Promissory Note. We sent them the exact same copy that was provided to us from the debt owner. The requestor wanted to see the original terms of the loan, with the intent to possible negotiate a settlement amount on the balance if possible. Sometime after receiving the Promissory Note we were told that the main terms of the Note was missing, or not assigned to the paperwork we provided and this may explain the blurred page that I've asked about before. We had mentioned that we were made aware that something was wrong with the Promissory Note several times over but were never told what the problem was. Only to not sign the loan modification because it would fix the problem. We're also told that the alterations on the stamp section of the page, if not there when we signed the Promissory Note, to include the blurred page and missing TERMS, would need to have our assent to make the document not being VOID. They mentioned other stuff, but what is really important is to know where the terms are and why are they not showing on the document. They ask for the following : Interest rate -- Payment Amount -- Maturity date -- Due date -- Number of years term. Two other things I'm not able to make out, but one looks like Promise to pay. Please examine the attached copy as to verify that it's the same received. I've copied a part of an article they shared with me from a recent case overturned in Maryland this past summer. 

" The Court of Special Appeals was particularly concerned that the lender did not comply with Maryland Rule 14-207 ( a ) ( 1 ), which requires a certification that the loan documents filed with the order to docket suit are true and accurate copies. Instead, the papers appended to the order to docket suit were alterations. 

Further, the court noted that foreclosure proceedings are equitable in nature and that courts of equity require that litigants have clean hands. Because the court found that the lender in this case did not meet that standard, the Court of Special Appeals reversed the order of the circuit court '' Hopefully this would be our last request
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX continues to furnish credit inquiries on credit file from XX/XX/2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.
Consumer complaint received 2019-11-07
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: ONEMAIN FINANCE CORPORATION (PA)

One Main Financial continues to furnish credit inquiries on credit file from XX/XX/ 2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.
Consumer complaint received 2019-11-07
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. (PA)

XXXXXXXX XXXX continues to report incorrect information. Account satisfied with company. XXXX XXXX  violates FCRA Guidelines. Continuing to place incorrect amount and removing tradeline is a violation to my rights.
Consumer complaint received 2019-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My complaint is with Carrington Mortgage Services. The company is charging property inspection payments of XXXX along with mortgage of XXXX the dates are from XX/XX/XXXX until present, also attorney fees. This makes my payments double. Carrington is also Charges a fee of XXXX unknown.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.