davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SCENIC OAKS FUNDING (CA)

I went in to sign the documents for the transfer of the home to my Dad.s name and the loan officer XXXX XXXX XXXX NMLS # XXXX told me not to make the current mortgage payment, he stated that since it was transferring to my dad 's name I did not have to make a payment. In good faith, I trusted him due to him being a professional in the mortgage industry. Taking his advice I did not make the payment. 
I then got a notification from my credit apps that my credit score dropped XXXX points due to late mortgage payments. I was so upset due to my goal of always having good credit. I always pay all my bills on time. I let Mr. XXXX know of the situation, he let me know he was going to fix it and to give him until XX/XX/2020. He told me this on XX/XX/2020. 
I later found out he opened an account with the jewelry store in front of the office he works at. Mr. XXXX took me as a fool and said he contacted the credit department to fix my credit when in reality he opened an account under my name with my social security number without my permission. This behavior is completely unacceptable. I was furious with his actions. I never gave him permission to do that and to top it off him lying to me and telling me to give him more time, I have text message proof that Mr. XXXX lied to me and opened an account without my permission. I have contacted his office manager XXXX at Scenic Oaks Funding XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX. They continue to make excuses to meet with me. I am completely exhausted in this situation and am tired and disgusted with their practices and behavior. 
I sold this property due to my goal of buying a house and getting a school loan at the beginning of this year. this is a huge derogatory mark on my credit and now ruined my goal to buy a home due to Mr. XXXX 's unethical behavior. 
I do have proof of what Mr. XXXX has done through text messages he has sent me.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Action Collection Agencies, Inc. (CA)

First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!
Consumer complaint received 2022-09-08
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lazega & Johanson LLC (GA)

REGARDING XXXX, The information provided by XXXX XXXX XXXX XXXX. We ar requesting a complete XXXX o all payments sent to L and J and all communcation regarding from the XXXX XXXX regarding previous outstanding amounts. All claims filed within the XXXX by L and J!
Consumer complaint received 2022-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been calling XXXX ( XXXX XXXX  XXXX ) since XX/XX/2022. I sent them a written statement through fax # XXXX. I have not received any information regarding any update. As of XX/XX/2022 I had made XXXX more attempts to send in my letter but they have been stating they never received it. I sent it 2 times through fax again & another through email. Every time that I call them EVERY representative gives me different information regarding the situation & I dont know what to believe anymore. I spoke to 2 supervisors name XXXX ( badge/employee # XXXX ) & XXXX ( XXXX # XXXX ) & they both said they would expedite the problem but NO response at all yet. Nothing has been resolved. I am trying to get something removed from my credit report by this merchant so I can get a home mortgage.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NE)

Purchased cell phone from XXXX and they are using T D Retail for the financing. This is a interest free account. When I opened up the account they gave the option for emailed statements, the failed to send statements the just sent a website link. I was unable to get in their website, wirh the link they sent, there was no contact information. I was unable to get payment information or where to send payment. I was out of town due to covid and wasn't traveling. When I got home I contacted T D Retail and payed the principle payments current and disputed the late fees due to their website issues and not emailing me the real statement as promised. They have not resolved my dispute they just give a canned response to call their customer service folks. They are unable to resolve the dispute and they can't transfer me to a supervisor or director who can escalate my dispute to. Meanwhile, I keep getting charged late fees even though the charges are disputed and I am paying the principal charges.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

A guy XXXX continues to call at my work, from number : ( XXXX ) XXXX-XXXX, this is a fraud account and need to stop calling at my work office. 

He calls my number at : ( XXXX ) XXXX-XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (PA)

In reference to complaint number XXXX where i was not able to open the attachment. I finally did get to the attachment and opened it but it was a duplicate response of another complaint and did not address the tactics of calls being received on my cell phone number XXXX so it did not address the problem at all. The response again was a duplicate to this complaint number XXXX and i am not satisfied due to issue not ever being addressed about receiving calls to my cell phone number which is not allowed. Thanks, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have called Experian and XXXX multiple times to correct the personal information they are reporting on me over 60 days ago. Both times I called and spoke with a representative. Both times the representatives stated they would delete the incorrect information. After reviewing my credit report I see the incorrect information is still reporting on my credit report.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC (NY)

I am writing to request your help. I tried to solve this issue with CrossCountry Mortgage back on XX/XX/2019. I requested this company to start an investigation about a late payment that is being reported to the credit bureaus. In the request I also clarified that I was disputing the payment history they are reporting to the credit bureaus. 

40 days after, I checked my credit reports and they did not even mark the account as disputed, they did not start any investigation as they are supposed to under the FCRA. 

Please help me to solve this issue since they are committing multiple violation such as reporting incomplete and incorrect information to the credit bureaus, unfair business practices and negligence, etc. 

See documents attached.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-09-29
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. (IL)

I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I purchased an XXXX XXXX XXXX XXXX in XXXX and returned it XX/XX/XXXX for the new XXXX XXXX XXXX XXXX. The XXXX program said you pay 12 payments and then return the XXXX, they pay off the remaining loan balance and start a few loan for the XXXX XXXX XXXX XXXX. 

I did just that abs returned my XXXX to XXXX, I have the trade in email I attempted to provide to both XXXX XXXX and Customer Service who refused. 

Now theyre claiming theres a balance owed on the XXXX I returned, I know that because I have 4 other loans that are in good standing and Ive sent in the old iPhones to have the loans closed. 

Thats clearly an XXXX and Citizens One issue and not mines, no one is willing to help so I need to file a CFPB complaint
Consumer complaint received 2017-09-29
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: Diversified Consultants, Inc. (OK)

On XX/XX/XXXX, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has  ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/XXXX I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. 

Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )
Consumer complaint received 2021-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, XXXX I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now ( XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to TransUnions PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and TransUnion has misled me with bad information in regard to getting it resolved.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS
Consumer complaint received 2022-03-10
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$18000.00}
Consumer complaint received 2021-09-07
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (MI)

I have contacted pro collect to try to settle/pay debt off owed. they gave me a settlement amount to pay, that is still more than I can afford in a one time payment. I tried to pay a lower amount and they refused to take it saying I do not qualify for payment plan. I accept this, but would still like to pay something so I can begin to lower the debt and they refuse to take any payment other than full amount. they told me that due to the fact I can not pay now they will be pursuing other collection actions. when asking what they were going to do and trying to ask questions they informed me that they did not have to answer my questions. XXXX XXXX has since began calling me to collect and I still can not pay the amount in full since it has been two days.
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. (CA)

I disputed this back in XXXX and haven't heard back from XXXX until yesterday, I also disputed with Experian. XXXX continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.
Consumer complaint received 2017-09-28
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. (CT)

DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. 

This is horrible customer service.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

On aprox XXXX XX/XX/2021 i was scammed out of XXXX on my Coinbase account,,, on that date i seeked help on Coinbase support page and a box came up they said they was Coinbase support, ,keep in mind this happened on Coinbase support line. Anyhow it was a first time to contact Coinbase so i didnt know how it worked they have no phone just the support line which i was using,,, i wanted to know if i could change a withdraw i just made. They said yes so i went thru the process yes i gave my password but i question it, they said they are Coinbase and if i wanted the help i needed to do so they also said i was typing the password into a bot which no human can see. After that my account was froze and over a 3 day period withdrew XXXX out of my account.I contacted Coinbase after may times and no help... Like i said they have no phone, the only thing they have for customers is a support line which is what i got scammed on. i can prove this as i took parts of their scam i took screen shots, Also after i was scammed they added support to the support line meaning now you need to submit a code from your e mail to send a support question. If that was in place i never would of got scammed,,, they also added a somewhat phone support meaning you apply for a card from Coinbase and when you get the card you can call them now,, which if that was in place i wouldnt of got scammed i would have called first. Thanks XXXX XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.