davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (NC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-03-10
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: First Advantage LNS Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We are trying to close a line of credit that we never used or had a balance on. We have called XXXX to cancel so Huntington will not charge us {$60.00} fee to renew. We dont want to renew. They make us wait XXXX minutes now for the third time to try to cancel. The last mortgage agent was extremely rude and put us on hold XXXX minutes to speak with his supervisor we finally just gave up. Please help us. We want to cancel our account we are afraid they are going to hurt our credit because of the renewal fee. The account was open for XXXX years and has expired. It should be cancelled and we should not be charged
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

I applied for Covid relief, and my application was accepted. I contacted them to begin re-payment, and in two week they applied for foreclosure. I contacted them and they had me to complete a lengthy application and turn in numerous documents. They stated that my documents were not accepted.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

On XX/XX/XXXX I received a robo-call from Revenue Group of XXXX Ohio. As I have no accounts in collections and an excellent credit score, I returned the call to inquire what it was in regards to and ensure no liability. I reached a man on the phone, I'm unsure if he told me his name, and he recited the standard 'attempt to collect a debt ' speech. After verifying my information ( I've since remarried but didn't give him my new name, I did provide him an updated address for mailing purposes ), he informed me the debt was for XXXX XXXX from XXXX for {$120.00}. I informed him that 10 years have passed on the debt, if I even owed it but I certainly can't remember a medical bill from that long ago, but regardless it wasn't collectable.

He INSISTED that medical debt in Ohio was collectable for 25 years and that I would be sued over this debt, which I know not to be true. 

I requested debt validation to show me a copy of an original contract or some other information proving that I owe a debt, and that all future contact should be via mail only, at which point he hung up on me.
Consumer complaint received 2019-08-30
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. (NC)

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, Equifax and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the  negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, Equifax and XXXX  remedy these errors
Consumer complaint received 2019-03-16
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. (CA)

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in XX/XX/2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NJ)

I recieved an email in the form of an invoice from Paypal stating that I purchased bitcon in the amount of {$590.00} which is not true. I never purchased XXXX. Paypal issued an invoice to me via email for a debt I do not owe. I have reported this as fraud on the ftc website report # XXXX.
Consumer complaint received 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MI)

An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the COVID-19 national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
Self lender is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.
Consumer complaint received 2018-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. 

XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX  and XXXX medications. I truly thought that these nice people were trying to help me.. 
This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. 
XXXX XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (PA)

During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was one of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except Synchrony Bank ( PEP BOYS ), assisted me in paying all of my debts. Synchrony stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. Synchrony locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by Synchrony through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact Synchrony and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with Synchrony, through Synchrony. I have paid off ALL of my other debts due to the pandemic, why would I not do so with one final creditor?
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

Back in XX/XX/year> I received a call from a telemarketer selling me a vacation discount service plan, over the phone it sounded great, however a day later I realized this was crazy and I did not want to be involved, I took all the accurate steps to cancel the membership in the time frame allocated followed the directions and emailed their cancelation letter as it stated to do. I have been trying to clear this off my credit report for 2 years now, I have sent proof of original emails, letters and communication to the collection agency and they still refuse to take action and remove this from my credit report. I have no collection accounts on my report except this and this is ruining my credit rating, which is not fair I did everything I was instructed to do back in XXXX  to cancel the membership in the allocated time but they still want me to pay for a service I never used.
Consumer complaint received 2019-03-16
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. (FL)

On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I was on a standard repayment plan and applied for an income driven repayment plan on XX/XX/19. I completed the initial application through FSA.gov and then submitted my pay stubs and the rest of a paper application to Edfinancial,  my student loan servicer, as required. I requested I be put into whatever income driven plan I qualified for, NOT forbearance. I received a message on XX/XX/19 that my income driven repayment request was approved. However, today, XX/XX//19 I checked my account, and instead of an income driven plan, they have put my loans into forbearance, which is a terrible outcome for me and absolutely not what I requested. I understand this is a common issue with student loan servicers and I did everything I could to avoid this outcome by following the directions I was given, and it still happened. I have sent a message to customer service via Edfinancial 's website as there is no phone customer service on the weekend, and am submitting this complaint not in the hopes this issue is rectified as soon as possible. 

Every day this continues is another day that interest is going to be capitalized on my original balances, and I am worse off than just staying in the standard repayment plan.
Consumer complaint received 2019-03-16
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. (OH)

Equifax is refusing to fix the innacurate information reported on two closed charge off accounts from XXXX XXXX. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and XXXX XXXX reported {$0.00} balance paid after charge off. However in XX/XX/XXXX XXXX XXXX reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called Equifax and XXXX XXXX both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.
Consumer complaint received 2023-03-10
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: Recreational Holdings Corp. (OH)

Ironhorse Funding LLC ( Finance ) show inquired on my credit report XX/XX/XXXX. I did not authorize this. I attempted to call them on XX/XX/XXXX. As soon as I hello, I have a question about my credit inquiry, they hung up. I believe it's fraudulent inquiry. thank you.
Consumer complaint received 2022-11-19
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. (NJ)

I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (FL)

I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and Experian ). All the 4 collection accounts where deleted by XX/XX/ but XXXX  XXXX  and Experian continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on XX/XX/ and i did not get any reply from them ( XXXX XXXX and Experian ) and i sent a second follow up letter on the XX/XX/XXXXand still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.